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Vera Capiso

Research Analyst at Morgan Stanley

Vera Capiso is a Research Analyst at RMB Morgan Stanley, specializing in financial technology and payments as demonstrated by her coverage of Lesaka Technologies, a listed fintech firm focused on integrated merchant solutions across southern Africa. While precise quantitative performance metrics such as TipRanks rankings or average returns are not publicly available, her active participation in earnings calls for Lesaka Technologies indicates a direct involvement with this company, though no broader publicly available track record of sector-leading stock calls could be found. Capiso’s career history, aside from her current role at RMB Morgan Stanley, lacks detailed public documentation on previous firms, tenure, or dates of joining, and there is no explicit information about her professional credentials, such as FINRA registration or securities licenses, or notable industry recognitions or awards.

Vera Capiso's questions to LESAKA TECHNOLOGIES (LSAK) leadership

Question · Q4 2025

Vera Capiso inquired about the main risks to achieving over 100% EPS growth and positive net income in FY2026, especially given the macroeconomic environment. She also asked about current trends in credit quality and loss rates for both consumer and merchant lending books, and if any early warning signs of stress were observed.

Answer

Ali Mazanderani (Executive Chairman, Lesaka technologies) stated that Lesaka is not a proxy for the macro environment, benefiting from digitization tailwinds and serving the underserved, with consistent profitability guidance delivery. Lincoln Mali (CEO, Lesaka technologies) reported no stress in the consumer lending book, maintaining a loan loss ratio below 6% despite product changes. Steven Heilbron (CEO, Connect Group South Africa) noted merchant impairment ratios at about 1.4% of originated debt, consistent with history and showing slight improvement, with origination and scaling being the primary focus.

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