vs
LESAKA TECHNOLOGIES INC（LSAK）与Usio, Inc.（USIO）财务数据对比。点击上方公司名可切换其他公司
LESAKA TECHNOLOGIES INC的季度营收约是Usio, Inc.的8.0倍（$178.7M vs $22.2M）。LESAKA TECHNOLOGIES INC净利率更高（2.0% vs -6.7%，领先8.8%）。LESAKA TECHNOLOGIES INC同比增速更快（21.7% vs 8.2%）。Usio, Inc.自由现金流更多（$-42.8K vs $-14.8M）。过去两年LESAKA TECHNOLOGIES INC的营收复合增速更高（13.7% vs 3.0%）
莱萨卡科技是一家总部位于南非的金融科技公司，目前同时在纳斯达克交易所与约翰内斯堡证券交易所挂牌上市。公司核心业务聚焦于金融普惠，面向此前金融服务覆盖不足的社区与商户提供各类金融服务。
Usio, Inc.是总部位于美国得克萨斯州圣安东尼奥的金融科技企业，主打综合电子支付服务，业务涵盖ACH交易处理、信用卡与借记卡收单、为软件平台提供支付便利、预付卡发行，同时还经营文件打印邮寄业务。
LSAK vs USIO — 直观对比
营收规模更大
LSAK
是对方的8.0倍
$22.2M
营收增速更快
LSAK
高出13.6%
8.2%
净利率更高
LSAK
高出8.8%
-6.7%
自由现金流更多
USIO
多$14.8M
$-14.8M
两年增速更快
LSAK
近两年复合增速
3.0%
损益表 — Q2 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $178.7M | $22.2M |
| 净利润 | $3.6M | $-1.5M |
| 毛利率 | 31.4% | 21.9% |
| 营业利润率 | 1.2% | -5.7% |
| 净利率 | 2.0% | -6.7% |
| 营收同比 | 21.7% | 8.2% |
| 净利润同比 | 111.3% | -337.8% |
| 每股收益（稀释后） | $0.04 | $-0.05 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收LSAKUSIO
| Q4 25 | $178.7M | $22.2M | ||
| Q3 25 | $171.4M | $21.2M | ||
| Q2 25 | $168.5M | $20.0M | ||
| Q1 25 | $161.4M | $22.0M | ||
| Q4 24 | $176.2M | $20.6M | ||
| Q3 24 | $153.6M | $21.3M | ||
| Q2 24 | $146.0M | $20.1M | ||
| Q1 24 | $138.2M | $21.0M |
净利润LSAKUSIO
| Q4 25 | $3.6M | $-1.5M | ||
| Q3 25 | $-4.3M | $-415.1K | ||
| Q2 25 | $-28.4M | $-366.7K | ||
| Q1 25 | $-22.1M | $-235.0K | ||
| Q4 24 | $-32.5M | $628.9K | ||
| Q3 24 | $-4.5M | $2.9M | ||
| Q2 24 | $-5.0M | $75.5K | ||
| Q1 24 | $-4.0M | $-250.2K |
毛利率LSAKUSIO
| Q4 25 | 31.4% | 21.9% | ||
| Q3 25 | 30.9% | 23.0% | ||
| Q2 25 | 28.9% | 25.8% | ||
| Q1 25 | 27.5% | 21.9% | ||
| Q4 24 | 25.7% | 24.6% | ||
| Q3 24 | 22.6% | 23.0% | ||
| Q2 24 | 22.6% | 23.9% | ||
| Q1 24 | 22.0% | 23.1% |
营业利润率LSAKUSIO
| Q4 25 | 1.2% | -5.7% | ||
| Q3 25 | 0.2% | -2.2% | ||
| Q2 25 | -16.7% | -2.0% | ||
| Q1 25 | 0.4% | -1.1% | ||
| Q4 24 | 0.3% | -2.9% | ||
| Q3 24 | -0.0% | -1.8% | ||
| Q2 24 | 0.2% | -1.0% | ||
| Q1 24 | 0.6% | -1.3% |
净利率LSAKUSIO
| Q4 25 | 2.0% | -6.7% | ||
| Q3 25 | -2.5% | -2.0% | ||
| Q2 25 | -16.9% | -1.8% | ||
| Q1 25 | -13.7% | -1.1% | ||
| Q4 24 | -18.4% | 3.1% | ||
| Q3 24 | -3.0% | 13.4% | ||
| Q2 24 | -3.4% | 0.4% | ||
| Q1 24 | -2.9% | -1.2% |
每股收益（稀释后）LSAKUSIO
| Q4 25 | $0.04 | $-0.05 | ||
| Q3 25 | $-0.05 | $-0.02 | ||
| Q2 25 | $-0.40 | $-0.01 | ||
| Q1 25 | $-0.27 | $-0.01 | ||
| Q4 24 | $-0.40 | $0.03 | ||
| Q3 24 | $-0.07 | $0.10 | ||
| Q2 24 | $-0.08 | $0.00 | ||
| Q1 24 | $-0.06 | $-0.01 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $69.5M | $7.4M |
| 总债务越低越好 | $216.8M | $1.4M |
| 股东权益账面价值 | $180.6M | $17.9M |
| 总资产 | $704.6M | $134.9M |
| 负债/权益比越低杠杆越低 | 1.20× | 0.08× |
8季度趋势，按日历期对齐
现金及短期投资LSAKUSIO
| Q4 25 | $69.5M | $7.4M | ||
| Q3 25 | $72.2M | $7.7M | ||
| Q2 25 | $76.5M | $8.1M | ||
| Q1 25 | $71.0M | $8.7M | ||
| Q4 24 | $60.6M | $8.1M | ||
| Q3 24 | $49.7M | $8.4M | ||
| Q2 24 | $59.1M | $7.2M | ||
| Q1 24 | $55.2M | $7.1M |
总债务LSAKUSIO
| Q4 25 | $216.8M | $1.4M | ||
| Q3 25 | $208.1M | $836.7K | ||
| Q2 25 | $200.8M | $647.1K | ||
| Q1 25 | $194.7M | $683.3K | ||
| Q4 24 | $148.7M | $719.4K | ||
| Q3 24 | $148.5M | — | ||
| Q2 24 | $143.2M | — | ||
| Q1 24 | $135.7M | — |
股东权益LSAKUSIO
| Q4 25 | $180.6M | $17.9M | ||
| Q3 25 | $170.4M | $18.7M | ||
| Q2 25 | $161.6M | $18.7M | ||
| Q1 25 | $185.2M | $19.0M | ||
| Q4 24 | $193.3M | $19.2M | ||
| Q3 24 | $184.2M | $18.9M | ||
| Q2 24 | $175.9M | $15.7M | ||
| Q1 24 | $173.1M | $15.3M |
总资产LSAKUSIO
| Q4 25 | $704.6M | $134.9M | ||
| Q3 25 | $652.9M | $99.4M | ||
| Q2 25 | $653.7M | $108.4M | ||
| Q1 25 | $649.2M | $109.6M | ||
| Q4 24 | $640.6M | $107.2M | ||
| Q3 24 | $551.9M | $114.6M | ||
| Q2 24 | $558.5M | $108.8M | ||
| Q1 24 | $551.5M | $99.1M |
负债/权益比LSAKUSIO
| Q4 25 | 1.20× | 0.08× | ||
| Q3 25 | 1.22× | 0.04× | ||
| Q2 25 | 1.24× | 0.03× | ||
| Q1 25 | 1.05× | 0.04× | ||
| Q4 24 | 0.77× | 0.04× | ||
| Q3 24 | 0.81× | — | ||
| Q2 24 | 0.81× | — | ||
| Q1 24 | 0.78× | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $-10.9M | $99.6K |
| 自由现金流经营现金流 - 资本支出 | $-14.8M | $-42.8K |
| 自由现金流率自由现金流/营收 | -8.3% | -0.2% |
| 资本支出强度资本支出/营收 | 2.2% | 0.6% |
| 现金转化率经营现金流/净利润 | -2.99× | — |
| 过去12个月自由现金流最近4个季度 | $-12.6M | $600.1K |
8季度趋势，按日历期对齐
经营现金流LSAKUSIO
| Q4 25 | $-10.9M | $99.6K | ||
| Q3 25 | $8.9M | $303.8K | ||
| Q2 25 | $-6.5M | $-263.9K | ||
| Q1 25 | $10.7M | $1.4M | ||
| Q4 24 | $-9.2M | $1.0M | ||
| Q3 24 | $-4.1M | $1.4M | ||
| Q2 24 | $5.7M | $369.1K | ||
| Q1 24 | $19.2M | $88.7K |
自由现金流LSAKUSIO
| Q4 25 | $-14.8M | $-42.8K | ||
| Q3 25 | $4.9M | $85.2K | ||
| Q2 25 | $-10.6M | $-503.2K | ||
| Q1 25 | $7.8M | $1.1M | ||
| Q4 24 | $-15.5M | $931.7K | ||
| Q3 24 | $-8.1M | $1.4M | ||
| Q2 24 | $937.0K | $246.3K | ||
| Q1 24 | $16.2M | $-88.1K |
自由现金流率LSAKUSIO
| Q4 25 | -8.3% | -0.2% | ||
| Q3 25 | 2.9% | 0.4% | ||
| Q2 25 | -6.3% | -2.5% | ||
| Q1 25 | 4.9% | 4.8% | ||
| Q4 24 | -8.8% | 4.5% | ||
| Q3 24 | -5.3% | 6.4% | ||
| Q2 24 | 0.6% | 1.2% | ||
| Q1 24 | 11.7% | -0.4% |
资本支出强度LSAKUSIO
| Q4 25 | 2.2% | 0.6% | ||
| Q3 25 | 2.3% | 1.0% | ||
| Q2 25 | 2.4% | 1.2% | ||
| Q1 25 | 1.7% | 1.4% | ||
| Q4 24 | 3.6% | 0.4% | ||
| Q3 24 | 2.6% | 0.3% | ||
| Q2 24 | 3.2% | 0.6% | ||
| Q1 24 | 2.1% | 0.8% |
现金转化率LSAKUSIO
| Q4 25 | -2.99× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.60× | ||
| Q3 24 | — | 0.50× | ||
| Q2 24 | — | 4.89× | ||
| Q1 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
LSAK
| Telecom Products And Services | $82.0M | 46% |
| Processing Fees | $37.6M | 21% |
| Enterprise Segment | $14.5M | 8% |
| Rest Of Africa | $10.9M | 6% |
| Technology Products | $8.6M | 5% |
| Insurance Revenue | $7.9M | 4% |
| Lending Revenue | $7.2M | 4% |
| Other | $6.7M | 4% |
| Interest From Customer | $2.1M | 1% |
| Other Products And Services | $1.2M | 1% |
USIO
| Credit Card Revenue | $7.7M | 35% |
| ACH And Complementary Service Revenue | $6.1M | 28% |
| Output Solutions | $5.4M | 24% |
| Prepaid Card Services Revenue | $2.6M | 12% |
