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Upturn AI SWOT - About
LSAK 
Lesaka Technologies Inc (LSAK)
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Upturn Advisory Summary
09/17/2025: LSAK (1-star) is a SELL. SELL since 4 days. Simulated Profits (-6.32%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $8
1 Year Target Price $8
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.31% | Avg. Invested days 37 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 349.37M USD | Price to earnings Ratio - | 1Y Target Price 8 |
Price to earnings Ratio - | 1Y Target Price 8 | ||
Volume (30-day avg) 1 | Beta 0.69 | 52 Weeks Range 3.39 - 5.60 | Updated Date 09/17/2025 |
52 Weeks Range 3.39 - 5.60 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.14 |
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 2025-09-10 | When - | Estimate 0.05 | Actual 0.05 |
Profitability
Profit Margin - | Operating Margin (TTM) 6.64% |
Management Effectiveness
Return on Assets (TTM) -2.79% | Return on Equity (TTM) -50.32% |
Valuation
Trailing PE - | Forward PE 15.92 | Enterprise Value 498090420 | Price to Sales(TTM) 0.49 |
Enterprise Value 498090420 | Price to Sales(TTM) 0.49 | ||
Enterprise Value to Revenue 0.7 | Enterprise Value to EBITDA 13.27 | Shares Outstanding 81249400 | Shares Floating 47213718 |
Shares Outstanding 81249400 | Shares Floating 47213718 | ||
Percent Insiders 23.54 | Percent Institutions 42.62 |
Upturn AI SWOT
Lesaka Technologies Inc
Company Overview
History and Background
Lesaka Technologies Inc., formerly known as Net1 UEPS Technologies, has evolved from providing payment solutions to unbanked populations to focusing on financial technology solutions in Southern Africa. The company was founded in 1989 and has undergone significant transformations.
Core Business Areas
- Merchant Solutions: Provides payment processing and financial services to merchants, including point-of-sale devices, payment gateways, and value-added services. Target are primarily small to medium businesses (SMBs).
- Consumer Solutions: Offers financial products and services directly to consumers, including microloans, insurance products, and prepaid services.
- Connect Distribution: The core distribution channel with approximately 75 000 micro merchant points of sale throughout South Africa.
Leadership and Structure
The leadership team consists of Chris Meyer as Group CEO, alongside other executives overseeing finance, operations, and technology. The organizational structure follows a functional model with specialized departments.
Top Products and Market Share
Key Offerings
- Connect Distribution: A key digital distribution platform, facilitating various digital transactions. Market share is difficult to pinpoint as a whole, but Lesaka aims for significant penetration within its target SMB sector in Southern Africa. Competitors are numerous small local digital distribution companies, as well as larger players such as Blue Label Telecoms.
- EPE: Payment solution provider in Southern Africa targeting the informal market. Competitors are other payment providers such as Yoco.
- Kazang: A mobile point-of-sale (mPOS) solution for informal merchants, enabling them to offer various digital services to consumers. No specific, reliable market share data are publicly available, although it services 75,000 micro merchant points of sale throughout South Africa. Main competitors are Yoco and iKhokha.
- Market Share: Unknown
Market Dynamics
Industry Overview
The fintech industry in Southern Africa is experiencing rapid growth due to increasing smartphone penetration and a large unbanked population. Mobile payments and digital financial services are driving the market.
Positioning
Lesaka Technologies Inc. is positioned as a key player in providing financial solutions to the unbanked and underbanked populations in Southern Africa, leveraging its technological infrastructure and partnerships.
Total Addressable Market (TAM)
The TAM for fintech in Southern Africa is estimated to be in the billions of dollars. Lesaka is positioned to capture a significant share through its focus on the underserved market segments. The current market size for fintech in South Africa is estimated at $5.5 Billion for 2024.
Upturn SWOT Analysis
Strengths
- Established presence in Southern Africa
- Technological infrastructure
- Focus on underserved markets
- Partnerships with key players
Weaknesses
- Past controversies and reputational damage
- Dependence on the South African market
- Regulatory risks
- Profitability challenge
Opportunities
- Expansion into other African markets
- Development of new financial products and services
- Increased smartphone penetration and digital adoption
- Partnerships with government and NGOs
Threats
- Increasing competition from other fintech companies
- Economic instability in Southern Africa
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Capital Appreciation Ltd (CAL.JO)
- Prosus (PRX.JO)
- African Rainbow Capital Investments Limited (AIL.JO)
Competitive Landscape
Lesaka faces competition from both established financial institutions and emerging fintech startups. It's competitive advantage lies in its understanding of the Southern African market.
Major Acquisitions
Connect Group
- Year: 2022
- Acquisition Price (USD millions): 36.9
- Strategic Rationale: Expanded Lesaka's distribution network and product offerings.
Growth Trajectory and Initiatives
Historical Growth: Lesaka's historical growth has been marked by both successes and challenges, reflecting changes in strategy and market conditions.
Future Projections: Analysts project moderate growth, contingent on successful execution of their strategic initiatives and favorable market conditions. The consensus target is between $4-$5 per share.
Recent Initiatives: Recent initiatives include the restructuring of operations, investment in technology infrastructure, and expansion of product offerings.
Summary
Lesaka Technologies Inc. is undergoing a transformation focused on becoming a leading fintech player in Southern Africa. It faces competition and challenges, but its established presence and focus on underserved markets provide opportunities for growth. The company needs to improve its profitability and manage its risks effectively to achieve its long-term goals. The company must show sustained revenue growth while increasing the bottom line to generate shareholder value.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on available information and is subject to change. It is not financial advice.
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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