Cashlez Worldwide Indonesia (IDX:CASH) - Share price, News & Analysis

CASH fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	0/6
Financial Health	3/6
Dividends	0/6

CASH Stock Overview

PT Cashlez Worldwide Indonesia Tbk provides digital financial technology and payment services in Indonesia.

Risk Analysis

Earnings have declined by 4.4% per year over past 5 years

Has less than 1 year of cash runway

Does not have a meaningful market cap (IDR245B)

Cashlez Worldwide Indonesia Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Cashlez Worldwide Indonesia
Historical stock prices
Current Share Price	Rp171.00
52 Week High	Rp464.00
52 Week Low	Rp129.00
Beta	-0.38
1 Month Change	-4.47%
3 Month Change	-41.44%
1 Year Change	-44.12%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-55.47%

Shareholder Returns

	CASH	ID IT	ID Market
7D	-3.9%	-1.6%	2.2%
1Y	-44.1%	166.0%	17.3%

Return vs Industry: CASH underperformed the ID IT industry which returned 166% over the past year.

Return vs Market: CASH underperformed the ID Market which returned 17.3% over the past year.

Price Volatility

Is CASH's price volatile compared to industry and market?
CASH volatility
CASH Average Weekly Movement	8.0%
IT Industry Average Movement	6.1%
Market Average Movement	6.2%
10% most volatile stocks in ID Market	12.0%
10% least volatile stocks in ID Market	2.9%

Stable Share Price: CASH is not significantly more volatile than the rest of ID stocks over the past 3 months, typically moving +/- 8% a week.

Volatility Over Time: CASH's weekly volatility (8%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2015	153	- Suwandi	https://www.cashlez.com

PT Cashlez Worldwide Indonesia Tbk provides digital financial technology and payment services in Indonesia. It creates mPOS (mobile point of sales) system, a concept of accepting payments using credit and debit cards or application-based debit cards on smartphones connected by a card reader through Bluetooth. The company provides solution for various payment transactions that can facilitate merchants to process other digital payments, such as payment by QR Code, Cashlez Link, OVO, and GO-PAY.

Cashlez Worldwide Indonesia Fundamentals Summary

How do Cashlez Worldwide Indonesia's earnings and revenue compare to its market cap?
CASH fundamental statistics
Market Cap	Rp244.72b
Earnings (TTM)	-Rp10.30b
Revenue (TTM)	Rp140.85b

1.7x

P/S Ratio

-23.8x

P/E Ratio

Is CASH overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
CASH income statement (TTM)
Revenue	Rp140.85b
Cost of Revenue	Rp104.23b
Gross Profit	Rp36.63b
Other Expenses	Rp46.93b
Earnings	-Rp10.30b

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)	-7.20
Gross Margin	26.00%
Net Profit Margin	-7.31%
Debt/Equity Ratio	1.4%

How did CASH perform over the long term?

See historical performance and comparison

Valuation

Is Cashlez Worldwide Indonesia undervalued compared to its fair value and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry

2.51x

Price to Book (PB) ratio

Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate CASH's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate CASH's fair value for valuation analysis.

Price To Earnings Ratio

PE vs Industry: CASH is unprofitable, so we can't compare its Price-To-Earnings Ratio to the ID IT industry average.

PE vs Market: CASH is unprofitable, so we can't compare its Price-To-Earnings Ratio to the ID market.

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CASH's PEG Ratio to determine if it is good value.

Price to Book Ratio

PB vs Industry: CASH is good value based on its Price-To-Book Ratio (2.5x) compared to the ID IT industry average (7.5x).

Future Growth

How is Cashlez Worldwide Indonesia forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE

13.0%

Forecasted Software industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Cashlez Worldwide Indonesia has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

Past Performance

How has Cashlez Worldwide Indonesia performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE

-4.4%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: CASH is currently unprofitable.

Growing Profit Margin: CASH is currently unprofitable.

Past Earnings Growth Analysis

Earnings Trend: CASH is unprofitable, and losses have increased over the past 5 years at a rate of 4.4% per year.

Accelerating Growth: Unable to compare CASH's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: CASH is unprofitable, making it difficult to compare its past year earnings growth to the IT industry (42.8%).

Return on Equity

High ROE: CASH has a negative Return on Equity (-8.26%), as it is currently unprofitable.

Financial Health

How is Cashlez Worldwide Indonesia's financial position?

Financial Health Score

3/6

Financial Health Score 3/6

Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Stable Cash Runway
Forecast Cash Runway

Financial Position Analysis

Short Term Liabilities: CASH's short term assets (IDR86.7B) exceed its short term liabilities (IDR48.2B).

Long Term Liabilities: CASH's short term assets (IDR86.7B) exceed its long term liabilities (IDR1.7B).

Debt to Equity History and Analysis

Debt Level: CASH has more cash than its total debt.

Reducing Debt: Insufficient data to determine if CASH's debt to equity ratio has reduced over the past 5 years.

Balance Sheet

Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: CASH has less than a year of cash runway based on its current free cash flow.

Forecast Cash Runway: CASH has less than a year of cash runway if free cash flow continues to reduce at historical rates of 25.5% each year

Dividend

What is Cashlez Worldwide Indonesia current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate CASH's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate CASH's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.

Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if CASH's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CASH's dividend payments have been increasing.

Earnings Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.

Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as CASH has not reported any payouts.

Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

0.6yrs

Average management tenure

CEO

- Suwandi (39 yo)

1.42yrs

Tenure

Mr. Suwandi is Director at PT Cashlez Worldwide Indonesia Tbk, and served as its Finance Director. He serves as the President Director at PT Cashlez Worldwide Indonesia Tbk since December 21, 2020.

Leadership Team

Experienced Management: CASH's management team is not considered experienced ( 0.6 years average tenure), which suggests a new team.

Board Members

Experienced Board: CASH's board of directors are not considered experienced ( 1.4 years average tenure), which suggests a new board.

Ownership

Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Data	Last Updated (UTC time)
Company Analysis	2022/05/24 00:00
End of Day Share Price	2022/05/23 00:00
Earnings	2021/12/31
Annual Earnings	2021/12/31