Lesaka Technologies (LSAK)
NASDAQ:LSAK
Want to see LSAK full AI Analyst Report?
Earnings Data
Report Date
Sep 10, 2026After Close (Confirmed)
Period Ending
2026 (Q4)Consensus EPS Forecast
0.09Last Year’s EPS
0.05Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a strongly positive operational and financial story: robust top‑line growth, record and materially improved profitability (group adjusted EBITDA +45%; adjusted EPS +247%), strong cash generation and tighter, upgraded guidance for EPS and profitability for FY26. Consumer and Enterprise divisions were standout performers, driving much of the improvement. Key transitional issues remain in the Merchant division (revenue/ARPU pressure, lower lending originations) and there were several one‑off impairments and rebrand/transition costs, but these are framed as strategic, non‑recurring or deliberate (portfolio optimization, conservative credit posture, integration investments). Overall, the positive operational momentum, balance‑sheet improvement and upgraded guidance materially outweigh the headwinds described.Company Guidance
Group revenue and profitability growth
Net revenue rose 16% year‑on‑year to ZAR 1.58 billion for Q3 FY26; group adjusted EBITDA reached an all‑time quarterly high of ZAR 337 million, up 45% YoY and at the top end of guidance. Adjusted earnings increased 246% to ZAR 148 million and adjusted EPS rose from ZAR 0.52 to ZAR 1.80 (+247%).
Strong Consumer division performance
Consumer net revenue grew 41% YoY to ZAR 627 million (all‑time quarterly high). Active consumers increased 19% to over 2.0 million, ARPU rose 19% to ZAR 99/month, lending originations were ~ZAR 856 million (+33% YoY) and the outstanding consumer lending book grew 73% to ~ZAR 1.4 billion. Consumer segment adjusted EBITDA increased 81% to ZAR 213 million.
Enterprise division momentum
Enterprise net revenue grew 51% YoY to ZAR 220 million and the division contributed ZAR 35 million (approx. 10%) to group adjusted EBITDA. ADP TPV increased 19% YoY, bill payments rose 12.5% to ZAR 9 billion, prepaid solutions grew >50% to ZAR 2.8 billion, ADP take rate improved 22% to 1.3%, and Utilities TPV increased 18% to ZAR 477 million (active meters 368,000).
Cash generation and balance sheet improvement
Cash generated from operations was ZAR 365 million; seasonal working capital release of ZAR 320 million contributed to aggregate operating cash flow of ZAR 608 million. Net debt to group adjusted EBITDA improved to 2.1x, nearing the stated medium‑term target of 2.0x. Cash interest paid was ZAR 98 million.
Operational leverage and capital efficiency
Group operating margin rose from 17.2% a year ago to 21.4% this quarter. CapEx for the quarter was ZAR 76 million; CapEx as a percentage of EBITDA reduced from ~46% a year ago to 29% this quarter, and annual CapEx guidance remains below ZAR 400 million.
Merchant product traction and volumes
Active merchants increased 6% YoY (community merchants +8%); card TPV rose 7% to ZAR 10.6 billion; active acquiring merchants up 9% to 74,000; ADP TPV up 30%; prepaid solutions +11% and supplier‑enabled payments +47%. Merchant segment adjusted EBITDA increased 3% to ZAR 151 million with margin above 20%.
Tighter guidance and upgraded EPS outlook
Updated FY26 net revenue guidance of ZAR 6.2–6.5 billion (midpoint ≈ 20% YoY growth). Group adjusted EBITDA guidance tightened to ZAR 1.25–1.35 billion (midpoint implies ~43% YoY growth). Adjusted EPS guidance raised from at least ZAR 4.60 to ZAR 5.50–6.00 per share; company expects FY26 net income profitability (first time since formation).
Strategic initiatives and inorganic growth
Rebrand to One Lesaka underway, Bank Zero acquisition expected to close in coming months (to be included in FY27 guidance), and strategic investments in blockchain (ZARU stablecoin use cases), AI, platform consolidation and cross‑sell initiatives highlighted as growth enablers.
LSAK Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
LSAK Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 06, 2026 | $4.90 | $4.97 | +1.43% |
Feb 04, 2026 | $4.56 | $4.48 | -1.75% |
Nov 05, 2025 | $4.20 | $4.15 | -1.19% |
Sep 10, 2025 | $4.73 | $4.25 | -10.15% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Lesaka Technologies (LSAK) report earnings?
Lesaka Technologies (LSAK) is schdueled to report earning on Sep 10, 2026, After Close (Confirmed).
What is Lesaka Technologies (LSAK) earnings time?
Lesaka Technologies (LSAK) earnings time is at Sep 10, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is LSAK EPS forecast?
LSAK EPS forecast for the fiscal quarter 2026 (Q4) is 0.09.