Revenue: As of FY2025, the actual value is USD 659.7 M, beating the estimate of USD 559.03 M.EPS: As of FY2025, the actual value is USD -1.14, missing the estimate of USD -0.78.EBIT: As of FY2025, the actual value is USD -8.243 M.<h3>Segment Revenue</h3><ul><li>Merchant Segment: Revenue increased by 15% to $526.6 million, driven by the inclusion of Adumo and higher volume of ADP provided (Pinless Airtime and gaming).</li><li>Consumer Segment: Revenue increased by 39% to $96.0 million, primarily due to higher transaction fees, insurance premiums collected, and lending revenues following higher loan originations.</li><li>Enterprise Segment: Revenue decreased by 9% to $42.6 million, primarily due to fewer ad hoc hardware sales and lower revenue from prepaid airtime vouchers, partially offset by the inclusion of Recharger.</li></ul><h3>Operational Metrics</h3><ul><li>Operating Income: Operating loss of $27.1 million compared to an operating income of $3.6 million in the previous year, primarily due to transaction costs related to acquisitions and increased amortization of acquisition-related intangible assets.</li><li>Impairment Loss: Recorded an impairment loss of $18.9 million, including $17.0 million related to goodwill impairment.</li></ul><h3>Cash Flow</h3><ul><li>Operating Cash Flow: Net cash used in operating activities was $9.1 million, impacted by settlement of working capital movements and growth in finance loans receivable books.</li><li>Investing Cash Flow: Net cash used in investing activities was $11.3 million, including capital expenditures of $17.2 million and acquisition-related payments.</li></ul><h3>Unique Metrics</h3><ul><li>Merchant Lending: Total lending origination volume increased by 28% to ZAR 917 million, with a net loan book outstanding at period end of ZAR 479 million, reflecting a 69% increase.</li><li>Consumer Lending: Gross advances in the year increased by 48% to ZAR 2,500 million, with a loan book size before allowances at year end of ZAR 996 million, reflecting an 82% increase.</li></ul><h3>Outlook / Guidance</h3><ul><li>The company plans to continue integrating acquisitions and optimizing its balance sheet through refinancing and strategic partnerships. The acquisition of Bank Zero is expected to enhance the company’s fintech platform and offer synergies across Consumer, Merchant, and Enterprise segments.</li></ul>

Lesaka Tech | 10-K: FY2025 Revenue Beats Estimate at USD 659.7 M