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Upturn AI SWOT - About
Lesaka Technologies Inc (LSAK)
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Upturn Advisory Summary
03/27/2025: LSAK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -3.71% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 383.48M USD | Price to earnings Ratio - | 1Y Target Price 8 |
Price to earnings Ratio - | 1Y Target Price 8 | ||
Volume (30-day avg) 24633 | Beta 0.82 | 52 Weeks Range 3.83 - 5.60 | Updated Date 04/1/2025 |
52 Weeks Range 3.83 - 5.60 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.65 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -7.94% | Operating Margin (TTM) 0.53% |
Management Effectiveness
Return on Assets (TTM) 0.62% | Return on Equity (TTM) -24.02% |
Valuation
Trailing PE - | Forward PE 17.83 | Enterprise Value 542091749 | Price to Sales(TTM) 0.67 |
Enterprise Value 542091749 | Price to Sales(TTM) 0.67 | ||
Enterprise Value to Revenue 0.94 | Enterprise Value to EBITDA 13.27 | Shares Outstanding 79124600 | Shares Floating 43512260 |
Shares Outstanding 79124600 | Shares Floating 43512260 | ||
Percent Insiders 24 | Percent Institutions 41.15 |
Analyst Ratings
Rating 5 | Target Price 8 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Lesaka Technologies Inc
Company Overview
History and Background
Lesaka Technologies, formerly Net1 UEPS Technologies, was founded in 1997. Initially focused on payment solutions for unbanked populations in South Africa, it has evolved to offer financial technology solutions globally. Key milestones include expansion into other emerging markets and diversification into adjacent fintech services.
Core Business Areas
- Merchant Solutions: Provides point-of-sale (POS) devices, payment processing, and value-added services to merchants, primarily in emerging markets.
- Consumer Financial Services: Offers microloans, insurance products, and other financial services to consumers, often through digital platforms.
- Fintech Platform: Delivers end-to-end solutions that include the integration of payments, lending, and insurance technologies for businesses
Leadership and Structure
The leadership team consists of CEO Chris Meyer, and other key executives leading finance, operations, and technology. The organizational structure includes functional departments and regional operating divisions.
Top Products and Market Share
Key Offerings
- Connect POS: Point of sale devices and software solutions tailored for small businesses in emerging markets. Competitors include Adyen, Block (SQ), and PayPal (PYPL). Market share information specific to Connect POS is not publicly available.
- Kazang: A mobile payment and value-added services platform used by merchants and consumers. Competitors include MTN Mobile Money (Africa), Vodafone M-Pesa (Africa). Market share information specific to Kazang is not publicly available.
- EasyDebit: Offers debit payment solutions. Competitors include Global Payments (GPN) and Fiserv (FI).
Market Dynamics
Industry Overview
The fintech industry is experiencing rapid growth, driven by increasing adoption of digital payments, rising demand for financial services in emerging markets, and technological innovation. Regulatory changes and cybersecurity concerns are also shaping the industry.
Positioning
Lesaka Technologies Inc positions itself as a leading provider of financial technology solutions for underserved populations and small businesses in emerging markets. Its competitive advantage lies in its established presence, localized expertise, and integrated platform.
Total Addressable Market (TAM)
The TAM for fintech solutions in emerging markets is estimated to be in the hundreds of billions of dollars. Lesaka is positioned to capture a portion of this TAM through its diverse product offerings and market presence.
Upturn SWOT Analysis
Strengths
- Established presence in emerging markets
- Integrated fintech platform
- Proprietary technology
- Experience in serving underserved populations
- Experienced management team
Weaknesses
- High reliance on emerging markets
- Exposure to regulatory risks
- Competition from larger, more established players
- Fluctuations in currency valuations
- History of losses
Opportunities
- Expansion into new emerging markets
- Strategic acquisitions and partnerships
- Development of new fintech solutions
- Increased adoption of digital payments
- Growing demand for financial services in emerging markets
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Cybersecurity threats
- Geopolitical instability
Competitors and Market Share
Key Competitors
- Adyen (ADYEN.AS)
- Block (SQ)
- Fiserv (FI)
- Global Payments (GPN)
- PayPal (PYPL)
Competitive Landscape
Lesaka Technologies Inc faces competition from larger, more established players. Its competitive advantage lies in its emerging market focus, localized expertise, and integrated platform.
Major Acquisitions
Connect Group
- Year: 2022
- Acquisition Price (USD millions): 31.4
- Strategic Rationale: To strengthen its merchant solutions offering and expand its presence in South Africa.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been impacted by economic conditions in South Africa and the company's strategic shifts. The company has divested some lines of business, impacting reported revenue.
Future Projections: Future growth is projected to come from expansion into new markets, increased adoption of digital payments, and development of new fintech solutions. Analyst estimates vary depending on assumptions about market growth and Lesaka's ability to execute its strategy.
Recent Initiatives: Recent strategic initiatives include partnerships with financial institutions, expansion of digital payment platforms, and investments in new technologies.
Summary
Lesaka Technologies faces opportunities in emerging markets as fintech adoption continues. Success is dependent on Lesaka's ability to develop its competitive advantage, as well as implement sound risk management and compliance programs. The company needs to be aware of current trends in the industry and prepare for cyber risks and competition from larger businesses.
Similar Companies
- SQ
- PYPL
- FI
- GPN
- ADYEN.AS
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
- Press releases
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Lesaka Technologies Inc
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 1999-04-19 | CEO of Southern Africa & Director Mr. Lincoln Camagu Mali | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 2531 | Website https://www.lesakatech.com |
Full time employees 2531 | Website https://www.lesakatech.com | ||
Lesaka Technologies, Inc. operates as a Fintech company, provides financial services solutions and software in Southern Africa. The company operates through two divisions, B2C Consumer and B2B Merchant Division. It operates a full-service platform that offers a range of solutions, including transactional accounts, lending, insurance, cash management, card acceptance, supplier payments, software services, and bill payments, as well as payment solutions and value added services. The company also engages in the sale of POS devices, SIM cards, and other consumables; and licenses of right to use certain technology developed by the company. It provides its services to formal and informal consumers, micro-merchants, merchants, and enterprise clients. The company was formerly known as Net 1 UEPS Technologies, Inc. and changed its name to Lesaka Technologies, Inc. in May 2022. Lesaka Technologies, Inc. was incorporated in 1997 and is headquartered in Johannesburg, South Africa.
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