Cantaloupe, Inc.
$11.20
+0.0000%Cantaloupe, Inc., a digital payment and software services company, provides technology solutions for the unattended retail market. The company offers integrated solutions for payments processing, logistics, and back-office management. It also provides ePort, an integrated payment device that is deployed in self-service, unattended market applications, such as vending, amusement, arcade, commercial laundry, air/vacuum, car wash, and others, which facilitates digital payments; and integrated software services for payment devices in the field for the wireless transfer. The company serves vending machine, car wash, electric vehicle charging, amusement, commercial laundry, micro-market, kiosk, and entertainment companies. It has strategic partnership with Bakkt Holdings, LLC to bring a cashless experience for consumers to spend digital assets at unattended retail devices: and Castles Technology to introduce a next-generation cashless device solution. The company was formerly known as USA Technologies, Inc and changed its name to Cantaloupe, Inc. Cantaloupe Inc. was incorporated in 1992 and is headquartered in Malvern, Pennsylvania.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is compressed (P/E 12.5).
Valuation inputs: P/E 12.5, earnings yield +8.0%, momentum 0.0%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is strong (ROE +25.4%, ROIC +7.4%).
Profitability stack: net margin +21.3%, ROE +25.4%, ROIC +7.4%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile looks controlled across current risk inputs.
Risk factors: liabilities/assets +33.5%, momentum 0.0%, net margin +21.3%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Cantaloupe, Inc. Market vs Earnings Trajectory
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Cantaloupe, Inc. Fair Value Envelope
Cantaloupe, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Strong gross margins indicate healthy pricing and efficient production or service delivery.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Effective Tax Rate
Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
Cantaloupe, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Weak cash conversion. Significant portion of earnings not converting to cash—review working capital trends and capital intensity.
CapEx Intensity
Very high capital intensity consumes most operating cash flow. Limited flexibility for dividends or debt reduction.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Cash Flow Quality Insight
Deteriorating cash generation: Both declining FCF and weak conversion rate signal fundamental challenges. Investigate margin pressure, rising costs, or working capital issues.
Cantaloupe, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Strong liquidity. The company has adequate resources to meet short-term liabilities.
Debt-to-Equity Ratio
Conservative capital structure. The company relies primarily on equity financing, indicating low financial risk.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Balanced asset mix between current and non-current assets, typical of many stable businesses.
Financial Health Insight
Strong financial foundation: Excellent liquidity combined with conservative leverage suggests the company is well-positioned to weather economic uncertainties and fund growth opportunities.
Cantaloupe, Inc. Street Expectations Map
Wall Street analysts project that CTLP stock may see slight declines over the coming 12 months. The consensus 1-year price target stands at 11.00, with estimates ranging from a low of 11.00 to a high of 11.00.
The consensus 1-year price target stands at 11.00, with estimates ranging from a low of 11.00 to a high of 11.00.
Analyst Consensus Analysis
Upside Potential
Fair value territory. Stock trading near consensus target suggests limited near-term catalysts. Focus on fundamental developments.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Risk-Reward Profile
Balanced risk-reward. Upside and downside potential relatively symmetric. Suitable for moderate risk tolerance with conviction in thesis.
Analyst Conviction
Neutral sentiment. Fair value pricing with moderate agreement suggests wait-and-see approach or catalyst-driven opportunity.
Market Sentiment Insight
Efficient pricing: Stock trading at fair value with strong consensus suggests market has priced in expectations. Look for fundamental inflection points or new catalysts to drive meaningful moves.
Cantaloupe, Inc. Insider Positioning
During the last 12 months, insiders have purchased $654K and sold $822K worth of CTLP shares, resulting in $168K of net selling activity.
3 Months
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3-6 Months
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6-9 Months
200.0K
654.00K
77.4K
822.19K
-168K
-$168K
9-12 Months
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Top Buyers
Singal Gaurav
Officer: Chief Technology Officer
$654K
Top Sellers
Stewart Scott Matthew
Officer: Chief Financial Officer
$668K
Singal Gaurav
Officer: Chief Technology Officer
$154K
Insider Activity Analysis
Net Insider Sentiment
Slightly bearish with $168K net selling. Selling modestly exceeds buying, which could be routine diversification rather than concern.
Buy/Sell Ratio
Moderately negative ratio. Selling is roughly double the buying, which may be routine or signal caution.
Insider Participation
2 insider sellers vs. 1 buyers. More insiders selling than buying suggests cautious or negative sentiment.
ctlp Dividend History
Learning Layer
Related Guides
Build conviction on CTLP by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.