Net1UEPS Technologies Financials

$301 M

Revenue Q2, 2018

$510 M

Mkt cap, 31-Oct-2017
Net income (Q2, 2018)29.7 M
EBIT (Q2, 2018)41.3 M
Closing share price, 2017-10-319.1
Cash, 31-Dec-201764.9 M
EV465 M

Revenue/Financials

Income Statement

Annual

USDFY, 2015FY, 2016FY, 2017

Revenue

626 m590.7 m610.1 m

Revenue growth, %

(6%)3%

EBIT

114.4 m

EBIT margin, %

19%

Interest expense

3.4 m

Interest income

15.3 m

Pre tax profit

126.2 m

Income tax expense

42.1 m

Net Income

84.8 m

Quarterly

USDQ1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q2, 2018

Revenue

156.4 m154.1 m151.1 m154.5 m150.3 m134.7 m155.6 m151.4 m147.9 m301 m

Depreciation and amortization

17.7 m

EBIT

33.1 m30.8 m32 m31.2 m24.8 m26.2 m32.2 m25.6 m24.5 m41.3 m

EBIT margin, %

21%20%21%20%16%19%21%17%17%14%

Interest expense

1.3 m1.1 m941 k974 k1.1 m852 k796 k510 k467 k4.4 m

Interest income

4.1 m3.6 m4.2 m4.3 m3.7 m3.3 m4.3 m5.1 m5.1 m9.7 m

Pre tax profit

35.9 m33.3 m35.2 m27.4 m28.7 m35.7 m30.1 m29.2 m46.6 m

Income tax expense

11.6 m10.2 m10.3 m10.9 m10.6 m9.8 m11.1 m11 m10.2 m20.3 m

Net Income

24.3 m23.2 m25 m23.8 m17.2 m18.9 m25.2 m19.2 m19 m29.7 m

Balance Sheet

Annual

USDFY, 2016

Cash

223.6 m

Accounts Receivable

107.8 m

Inventories

10 m

Current Assets

923.7 m

PP&E

55 m

Goodwill

179.5 m

Total Assets

1.3 b

Accounts Payable

14.1 m

Current Liabilities

602.2 m

Long-term debt

43.1 m

Total Debt

43.1 m

Total Liabilities

660.3 m

Additional Paid-in Capital

224 m

Retained Earnings

700.3 m

Total Equity

603.2 m

Debt to Equity Ratio

0.1 x

Debt to Assets Ratio

0 x

Financial Leverage

2.1 x

Quarterly

USDQ1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q2, 2018

Cash

81.2 m71 m111 m125.6 m101.4 m123.3 m205.3 m223 m64.9 m

Inventories

12.2 m12.5 m12.1 m12.3 m10.6 m11.6 m10.7 m14.1 m10.6 m12.5 m

Current Assets

1 b765.6 m965.8 m933.8 m633.3 m781.9 m965.8 m696 m966.5 m727.1 m

Goodwill

179 m172.2 m169.4 m154.3 m152.3 m163.3 m187.9 m180.7 m190.2 m199.5 m

Total Assets

1.3 b1.1 b1.3 b1.2 b903.5 m1.1 b1.3 b1 b1.3 b1.4 b

Accounts Payable

14.9 m15.8 m15.3 m15.5 m13.5 m14.9 m14 m10.6 m13.6 m17 m

Current Liabilities

810.4 m539.2 m718.3 m685.9 m390.1 m560.9 m675.6 m397.8 m585.8 m559.7 m

Long-term debt

61.3 m59.7 m60 m48.6 m50.1 m52.3 m18.2 m14.9 m16.3 m19.9 m

Total Debt

19.9 m

Total Liabilities

591.9 m

Additional Paid-in Capital

210.7 m211.7 m213.3 m218.4 m219.4 m224.3 m222.6 m223.3 m269.5 m275 m

Retained Earnings

547.2 m569.6 m594 m640.9 m657.5 m676 m725 m743.6 m762 m802.4 m

Total Equity

439.3 m447.1 m461.7 m463.4 m453.5 m479.6 m617.3 m616.3 m705.7 m670.7 m

Financial Leverage

3.1 x2.4 x2.8 x2.6 x2 x2.3 x2.1 x1.7 x1.9 x2 x

Cash Flow

Annual

USDFY, 2016

Net Income

84.8 m

Depreciation and Amortization

40.4 m

Inventories

1 m

Accounts Payable

1.8 m

Cash From Operating Activities

116.6 m

Cash From Investing Activities

(5.8 m)

Cash From Financing Activities

13.6 m

Free Cash Flow

80.8 m

Quarterly

USDQ1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q2, 2018

Net Income

24.3 m23.2 m25 m23.8 m17.2 m18.9 m25.2 m19.2 m19 m29.7 m

Depreciation and Amortization

10.2 m10.2 m10.1 m10.1 m10.6 m9.3 m10.2 m10.6 m10.3 m17.7 m

Inventories

12.2 m12.5 m12.1 m10.6 m11.6 m10.7 m14.1 m10.6 m

Accounts Payable

14.9 m15.8 m15.3 m709 k13.5 m14.9 m14 m10.6 m13.6 m(247 k)

Cash From Operating Activities

28.1 m12.5 m

Cash From Investing Activities

(31.9 m)(39.9 m)

Cash From Financing Activities

26.1 m(169.2 m)

Free Cash Flow

17.4 m8.9 m

Ratios

USDY, 2017

EV/EBIT

11.3 x

EV/CFO

37.1 x

EV/FCF

52 x

Revenue/Employee

56.2 k

Financial Leverage

2 x
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Operating Metrics

Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017Q3, 2017FY, 2017

ATMs

798 827 904 909 936 940 980

Active Accounts

830 k1.09 m1.43 m1.60 m1.80 m1.95 m2 m

Bank Branches

113 118 140 142 142 147 149

Policies Sold

160 k250 k
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