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Investor Relations14 Oct 2025
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Lesaka Technologies (LSAK) investor relations material
Lesaka Technologies Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Sep, 2025
Executive summary
FY2025 was a transformative year with strong growth in net revenue (R5.3 billion), adjusted EBITDA (R922 million), and adjusted EPS (R2.29, up 187%), driven by all divisions and major acquisitions including Adumo, Recharger, and the announced BankZero deal, while exiting MobiKwik.
The business is organized into Merchant, Consumer, and Enterprise divisions, each contributing to growth at different stages of evolution.
Brand consolidation, operational realignment, and executive team augmentation enhanced cross-sell momentum and platform efficiency.
Restatement of interim FY2025 results due to revenue classification changes, with no impact on operating income, net loss, or cash flows.
Financial highlights
FY2025 net revenue rose 38% year-over-year to R5.3 billion, with group adjusted EBITDA up 33% to R922 million and adjusted EPS up 187% to R2.29.
Q4 net revenue increased 47% year-on-year to R1.5 billion, with group adjusted EBITDA up 61% to R306 million.
Adjusted earnings for FY2025 reached R186 million, up 263%, and Q4 adjusted earnings nearly tripled to R80 million.
Net debt to adjusted EBITDA was 2.9x at year-end, with a target of 2x; Q4 annualized EBITDA would bring it to 2.2x.
Significant non-recurring items included R239m transaction costs, R46m accelerated amortization, R335m goodwill impairments, R101m loss on MobiKwik sale, and R210m deferred tax benefit.
Outlook and guidance
FY2026 guidance: net revenue of R6.4–6.9 billion, group-adjusted EBITDA of R1.25–1.45 billion, and adjusted EPS expected to exceed R4.60, more than doubling year-on-year.
Net income attributable to shareholders expected to be positive for FY2026.
Guidance excludes BankZero acquisition and unannounced M&A; Q1 2026 guidance provided for net revenue and group-adjusted EBITDA.
All three divisions expected to grow at least 20%+ in FY2026, with Enterprise division to contribute over 10% of segment EBITDA.
Bank Zero's impact on gross debt and funding costs
GAAP software cross-sell opportunity for merchants
Enterprise division's FY26 EBITDA contribution
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Next Lesaka Technologies earnings date
Q1 20266 Nov, 2025
Next Lesaka Technologies earnings date
Q1 20266 Nov, 2025
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Frequently asked questions
Lesaka Technologies Inc., formerly known as Net 1 UEPS Technologies, Inc., is a South African fintech company that specializes in providing a range of financial services through its proprietary banking and payment technologies. The company serves both business (B2B) and consumer (B2C) markets in Southern Africa, offering solutions that include cash management, growth capital, card acquiring, bill payment technologies, and value-added services to formal and informal retail merchants. Additionally, Lesaka offers banking, lending, and insurance solutions to consumers. The company is headquartered in Johannesburg, South Africa, and its shares are listed on the Nasdaq.
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