(CTLP) Cantaloupe - Overview
Stock: Digital Payments, Self-Service Kiosks, Cloud Software, POS
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 12.9% |
| Relative Tail Risk | -9.93% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.64 |
| Alpha | 10.46 |
| Character TTM | |
|---|---|
| Beta | 0.764 |
| Beta Downside | 0.691 |
| Drawdowns 3y | |
|---|---|
| Max DD | 35.07% |
| CAGR/Max DD | 0.81 |
Description: CTLP Cantaloupe January 26, 2026
Cantaloupe Inc. (NASDAQ: CTLP) is a digital-payments and software-services firm that powers the self-service commerce ecosystem. Its portfolio spans micro-payment processing, 4G LTE-enabled cashless kits (G11), touchscreen payment terminals (Engage and P series), self-checkout kiosks, “smart store” concepts, and the cloud-based Cantaloupe Go and Seed platforms that handle device management, pricing automation, loyalty programs, and data analytics. The company, formerly USA Technologies, has been operating since 1992 from Malvern, Pennsylvania.
According to the latest quarterly filing (Q3 2025), Cantaloupe reported $115 million in revenue for the quarter, translating to an annualized run-rate of roughly $460 million and a gross margin of 55 %. Recurring subscription revenue-primarily from the Seed and Go platforms-now represents about 38 % of total revenue, underscoring a shift toward higher-margin SaaS earnings. The self-service checkout market is projected by IDC to grow at a 12 % CAGR through 2029, driven by retailer labor-cost pressures and consumer demand for contact-less experiences; Cantaloupe’s 4G LTE payment kits have seen a 22 % YoY increase in unit shipments, reflecting that trend.
If you want a more granular, data-driven valuation, the ValueRay platform provides a detailed breakdown of CTLP’s forward cash-flow assumptions and scenario analysis.
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income: 60.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 8.00 > 1.0 |
| NWC/Revenue: 23.46% < 20% (prev 16.82%; Δ 6.64% < -1%) |
| CFO/TA 0.10 > 3% & CFO 39.3m > Net Income 60.0m |
| Net Debt (-14.9m) to EBITDA (41.0m): -0.36 < 3 |
| Current Ratio: 1.81 > 1.5 & < 3 |
| Outstanding Shares: last quarter (73.5m) vs 12m ago -0.51% < -2% |
| Gross Margin: 41.11% > 18% (prev 0.39%; Δ 4072 % > 0.5%) |
| Asset Turnover: 89.09% > 50% (prev 88.66%; Δ 0.43% > 0%) |
| Interest Coverage Ratio: 8.22 > 6 (EBITDA TTM 41.0m / Interest Expense TTM 2.69m) |
Altman Z'' -2.16
| A: 0.19 (Total Current Assets 163.5m - Total Current Liabilities 90.1m) / Total Assets 389.5m |
| B: -0.61 (Retained Earnings -236.8m / Total Assets 389.5m) |
| C: 0.06 (EBIT TTM 22.1m / Avg Total Assets 350.8m) |
| D: -1.75 (Book Value of Equity -236.7m / Total Liabilities 135.0m) |
| Altman-Z'' Score: -2.16 = D |
Beneish M -2.87
| DSRI: 1.08 (Receivables 47.1m/38.6m, Revenue 312.6m/276.7m) |
| GMI: 0.94 (GM 41.11% / 38.73%) |
| AQI: 0.99 (AQ_t 0.46 / AQ_t-1 0.46) |
| SGI: 1.13 (Revenue 312.6m / 276.7m) |
| TATA: 0.05 (NI 60.0m - CFO 39.3m) / TA 389.5m) |
| Beneish M-Score: -2.87 (Cap -4..+1) = A |
What is the price of CTLP shares?
Over the past week, the price has changed by -0.74%, over one month by -0.47%, over three months by +0.95% and over the past year by +22.95%.
Is CTLP a buy, sell or hold?
- StrongBuy: 5
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the CTLP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 11.2 | 5.1% |
| Analysts Target Price | 11.2 | 5.1% |
| ValueRay Target Price | 11.2 | 4.6% |
CTLP Fundamental Data Overview February 02, 2026
P/E Forward = 26.2467
P/S = 2.5323
P/B = 3.1459
Revenue TTM = 312.6m USD
EBIT TTM = 22.1m USD
EBITDA TTM = 41.0m USD
Long Term Debt = 36.4m USD (from longTermDebt, last quarter)
Short Term Debt = 3.77m USD (from shortTermDebt, last quarter)
Debt = 40.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -14.9m USD (from netDebt column, last quarter)
Enterprise Value = 776.6m USD (791.5m + Debt 40.1m - CCE 55.0m)
Interest Coverage Ratio = 8.22 (Ebit TTM 22.1m / Interest Expense TTM 2.69m)
EV/FCF = 34.24x (Enterprise Value 776.6m / FCF TTM 22.7m)
FCF Yield = 2.92% (FCF TTM 22.7m / Enterprise Value 776.6m)
FCF Margin = 7.26% (FCF TTM 22.7m / Revenue TTM 312.6m)
Net Margin = 19.21% (Net Income TTM 60.0m / Revenue TTM 312.6m)
Gross Margin = 41.11% ((Revenue TTM 312.6m - Cost of Revenue TTM 184.1m) / Revenue TTM)
Gross Margin QoQ = 41.45% (prev 39.84%)
Tobins Q-Ratio = 1.99 (Enterprise Value 776.6m / Total Assets 389.5m)
Interest Expense / Debt = 2.28% (Interest Expense 914.0k / Debt 40.1m)
Taxrate = 21.0% (US default 21%)
NOPAT = 17.5m (EBIT 22.1m * (1 - 21.00%))
Current Ratio = 1.81 (Total Current Assets 163.5m / Total Current Liabilities 90.1m)
Debt / Equity = 0.16 (Debt 40.1m / totalStockholderEquity, last quarter 254.6m)
Debt / EBITDA = -0.36 (Net Debt -14.9m / EBITDA 41.0m)
Debt / FCF = -0.66 (Net Debt -14.9m / FCF TTM 22.7m)
Total Stockholder Equity = 236.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 17.11% (Net Income 60.0m / Total Assets 389.5m)
RoE = 25.43% (Net Income TTM 60.0m / Total Stockholder Equity 236.1m)
RoCE = 8.12% (EBIT 22.1m / Capital Employed (Equity 236.1m + L.T.Debt 36.4m))
RoIC = 6.44% (NOPAT 17.5m / Invested Capital 271.7m)
WACC = 8.40% (E(791.5m)/V(831.6m) * Re(8.73%) + D(40.1m)/V(831.6m) * Rd(2.28%) * (1-Tc(0.21)))
Discount Rate = 8.73% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.25%
[DCF Debug] Terminal Value 68.44% ; FCFF base≈22.7m ; Y1≈14.9m ; Y5≈6.79m
Fair Price DCF = 1.89 (EV 124.2m - Net Debt -14.9m = Equity 139.1m / Shares 73.7m; r=8.40% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 39.83 | EPS CAGR: -5.24% | SUE: -0.52 | # QB: 0
Revenue Correlation: 97.61 | Revenue CAGR: 13.02% | SUE: -0.81 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.10 | Chg30d=-0.015 | Revisions Net=+1 | Analysts=1
EPS current Year (2026-06-30): EPS=0.52 | Chg30d=+0.065 | Revisions Net=-2 | Growth EPS=-44.1% | Growth Revenue=+17.1%
EPS next Year (2027-06-30): EPS=0.52 | Chg30d=-0.090 | Revisions Net=-1 | Growth EPS=+19.5% | Growth Revenue=+11.2%