Earnings Call Summary | Lesaka Technologies(LSAK.US) Q2 2024 Earnings Conference
Earnings Call Summary | Lesaka Technologies(LSAK.US) Q2 2024 Earnings Conference
The following is a summary of the Lesaka Technologies, Inc. (LSAK) Q2 2024 Earnings Call Transcript:
以下是 Lesaka Technologies, Inc. (LSAK) 2024年第二季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
Lesaka reported a Q2 revenue of ZAR313 million, a 16% year-on-year growth and 8% quarter-on-quarter growth.
The company has seen a 450% year-on-year growth and a 19% quarter-on-quarter growth, with an adjusted EBITDA for Q2 at ZAR55 million.
The EasyPay loan book increased by 26% reaching ZAR503 million.
Gross advances for the quarter were ZAR447 million, up 32% compared to the same quarter last year.
The loan loss ratio remained stable at approximately 6% on an annualized basis.
The Average Revenue Per User (ARPU) improved from approximately ZAR74 per month a year ago to over ZAR85 per month at the end of this quarter.
Lesaka Technologies' recent acquisition of Touchside was fully funded from current resources.
Group adjusted EBITDA was ZAR181 million, up from ZAR130 million in Q2 2023, a 38% increase.
Net debt-to-EBITDA ratio fell to 2.7 times.
Lesaka報告稱，第二季度收入爲 ZAR313 百萬美元，同比增長16％，同比增長8％。
該公司的同比增長了450％，同比增長了19％，第二季度調整後的息稅折舊攤銷前利潤爲 ZAR55 百萬美元。
EasyPay的貸款賬面增長了26％，達到 ZAR503 百萬英鎊。
該季度的預付款總額爲 ZAR447 百萬美元，與去年同期相比增長了32％。
按年計算，貸款損失率穩定在6％左右。
每位用戶的平均收入（ARPU）從一年前的每月大約 ZAR74 提高到本季度末的每月超過 ZAR85。
Lesaka Technologies最近對Touchside的收購完全由現有資源提供資金。
集團調整後的息稅折舊攤銷前利潤爲 ZAR181 百萬美元，高於2023年第二季度的 ZAR130 百萬美元，增長了38％。
淨債務與息稅折舊攤銷前利潤的比率降至2.7倍。
Business Progress:
業務進展：
Lesaka's gross account activations rose from 60,000 to 122,000 in Q2 2024, a year-on-year increase of 188%.
Approximately 1.4 million active EPE customers were recorded at the end of the quarter, a 14% year-on-year and 7% quarter-on-quarter growth.
Policies associated with EasyPay insurance product increased to 384,000 at quarter end, up by 31% from last year and 7% over Q1 2024.
Significant interest has been registered in improving digital capabilities and service delivery, with a particular focus on the addition of relevant products and services.
Progress made with initiatives with Kazang to enhance merchant and consumer ecosystem.
The company is closely monitoring the progress of MobiKwik, considering an IPO in the Indian market.
Lesaka saw significant volume records in its Merchant and Consumer divisions, particularly with Kazang VAS and Kazang Pay Card.
Transformation of the Consumer division into a customer-oriented and sales-focused business has resulted in a record number of account activations, loan disbursements, and insurance policy sales.
Lesaka executed an acquisition of the Kazang business, Touchsides, focusing on the merchant business for further M&A opportunities.
The business expects a more favourable operating and trading environment for its merchants later in the year leading to a potential resumption in credit growth.
Lesaka expects its acquisition of Touchsides to strengthen their relationships with major clients such as AB InBev by providing valuable data insights.
萊薩卡的總賬戶激活量從6萬個增加到2024年第二季度的12.2萬個，同比增長188％。
截至本季度末，約有140萬活躍的EPE客戶，同比增長14％，同比增長7％。
與EasyPay保險產品相關的保單在本季度末增加到38.4萬份，比去年增長31％，比2024年第一季度增長7％。
人們對改善數字能力和服務交付表現出濃厚的興趣，特別側重於增加相關產品和服務。
與Kazang合作的增強商戶和消費者生態系統的舉措取得了進展。
該公司正在密切關注MobiKwik的進展，考慮在印度市場進行首次公開募股。
Lesaka的商業和消費者部門創下了可觀的交易量記錄，尤其是在Kazang VAS和Kazang Pay Card方面。
消費者部門轉型爲以客戶爲導向、以銷售爲中心的業務，使賬戶激活、貸款發放和保險單銷售數量創歷史新高。
Lesaka收購了Kazang業務Touchsides，專注於商業業務，以尋求進一步的併購機會。
該公司預計，今年晚些時候，其商戶的運營和交易環境將更加有利，從而有可能恢復信貸增長。
Lesaka預計，其對Touchsides的收購將通過提供有價值的數據見解來加強他們與百威英博等主要客戶的關係。
More details: Lesaka Technologies IR
更多詳情： 樂薩科技 IR
Tips: For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
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譯文內容由第三人軟體翻譯。