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    Frank

    Research Analyst at Not specified

    Frank is an equity research analyst with a specialization in financial markets and company analysis. While details on his exact coverage universe and company focus are not provided, he is known for his analytical acumen and careful performance tracking. Frank's career timeline and professional credentials, including FINRA registrations or securities licenses, are not specified. Without further information from his LinkedIn profile or industry rankings, specific achievements, success metrics, and prior firm affiliations remain unavailable.

    Frank's questions to LESAKA TECHNOLOGIES (LSAK) leadership

    Frank's questions to LESAKA TECHNOLOGIES (LSAK) leadership • Q3 2025

    Question

    Asked about the drivers of growth in the Consumer division and the EBITDA to net revenue margin targets for the group and its segments.

    Answer

    Consumer division growth is driven by strategic investments in people, technology, and value proposition, leading to a 70% year-on-year customer base increase to 1.5 million and ARPU growth from ZAR 90 to ZAR 106. Future growth is expected from continued account acquisition and expanding insurance cross-sell. For margins, the group targets an increase from ~18% in FY25 to over 20% in FY26, with a medium-term goal of 30%. This is supported by expected margin expansion in the Consumer (to >30%), Merchant (to 30%), and Enterprise (to >20%) divisions.

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