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LETS.BT Consumer Lending

Letshego Africa Holdings Ltd

$0,85
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About

Letshego Africa Holdings Ltd provides consumer lending and banking services in Africa, primarily through mobile and digital platforms.

Business. Letshego Africa Holdings Ltd (LETS.BT) is a financial services company operating in the consumer lending industry within the Banking & Investment Services sector. The firm generates revenue primarily through a fee-income model associated with banking activities. Specific details regarding operating segments, headquarters location, and primary listing exchanges are not provided in the available data.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryConsumer Lending
ActivityBanking
Generated · model-assisted
Sell-side consensus
consensus pending
— buy— hold— sell
Avg 12m price target
Upcoming events
— missing data
See all catalysts →

At a glance

Score
not yet scored
Valuation
valuation pending
Analysts
not yet wired
Ownership
not yet wired
Profitability
not yet wired
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning LETS.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to LETS.BT. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    Letshego Africa Holdings Ltd (LETS.BT) is a financial services company operating in the consumer lending industry within the Banking & Investment Services sector. The firm generates revenue primarily through a fee-income model associated with banking activities. Specific details regarding operating segments, headquarters location, and primary listing exchanges are not provided in the available data.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryConsumer Lending
    ActivityBanking
    AI synthesis
    GENERATED

    ### Capital Structure and Liquidity The company has 2,146,140,903 basic and diluted shares outstanding, indicating no immediate dilution pressure from share-based compensation or convertible instruments. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents.

    ### Profitability and Returns No profitability metrics or returns data are available for comparison against industry benchmarks, as the valuation snapshot remains unpopulated. This limits the ability to assess the company’s performance relative to its peers in the Consumer Lending industry.

    ### Segments and Geographic Exposure The company operates in the African consumer lending market, with a focus on mobile and digital platforms. No detailed segment or geographic revenue breakdown is available in the current dataset, limiting visibility into revenue concentration or regional exposure.

    ### Growth Trajectory No growth trajectory data is available, as the outlook section remains unpopulated. Historical revenue data is also not accessible in the current dataset, preventing an assessment of the company’s growth performance.

    ### Risk Factors The primary risk identified is the inability to assess liquidity risk due to missing balance-sheet data and no going-concern language in source documents. Dilution risk is currently low, as basic and diluted shares outstanding are equal, and no dilution sources are disclosed.

    ### Recent Events No recent events, filings, or transcripts are available in the current dataset to inform recent developments or strategic shifts.

    Key takeaways
    • The company has no immediate dilution pressure, as basic and diluted shares are equal.
    • Liquidity risk could not be assessed due to missing balance-sheet data.
    • No profitability or returns data is available for benchmarking against industry standards.
    • The company operates in the African consumer lending market, with a focus on mobile and digital platforms.
    • No recent events or strategic updates are available in the current dataset.

    Bull / Bear case

    Generated · model-assisted
    BULL CASE · 3

    Total assets grew 7.3% year-over-year to BWP 19.3 billion, indicating continued balance sheet expansion despite recent profitability challenges.

    Revenue increased 3.6% year-over-year to BWP 2.8 billion, demonstrating modest top-line growth in the latest fiscal period.

    Dilution risk is assessed as low, suggesting limited immediate threat to existing shareholder equity value from share issuance.

    BEAR CASE · 2

    Revenue has contracted at a 5.4% compound annual growth rate over the last four years, indicating long-term top-line weakness.

    Long-term debt stands at BWP 10.5 billion, creating significant leverage pressure amidst declining equity and negative net income.

    In focus — financials by report

    Annual
    ANNUALFiled 2024-03-22
    FY 2024 · Full-year highlights

    Revenue BWP 3.48B, +7,6% YoY; Operating income −82,2% YoY.

    RevenueBWP 3.48B+7,6 % YoY
    Operating incomeBWP 121.5M−82,2 % YoY
    Net income-BWP 201.0M−169,8 % YoY
    Free cash flow-BWP 512.1M−176,6 % YoY
    EPS
    Operating cash flow-BWP 616.5M−55,1 % YoY
    Financials
    Income statement
    RevenueBWP 3.48B
    Gross profit
    Operating incomeBWP 121.5M
    Net income-BWP 201.0M
    Margins
    Gross margin
    Operating margin3.5%
    Net margin-5.8%
    FCF margin-14.7%
    Balance sheet
    Total assetsBWP 18.11B
    Total liabilitiesBWP 13.63B
    Total equityBWP 4.48B
    Cash & equivalents
    Long-term debtBWP 11.26B
    Cash flow
    Operating cash flow-BWP 616.5M
    CapEx-BWP 146.1M
    Free cash flow-BWP 512.1M
    SBC
    P&L flow · revenue → net income
    Revenue BWP 3.48BOperating costs BWP 3.36BTax BWP 322.5MNet income BWP 201.0M
    Highlights
    • Revenue BWP 3.48B, +7,6% YoY
    • Operating income −82,2% YoY
    • Net income −169,8% YoY
    • Free cash flow −176,6% YoY
    • Net margin -5.8%

    Valuation FY

    Market price
    $0,85
    Market cap
    Enterprise value
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    P / B
    P / Tangible book
    Tangible book
    Net cash
    Current ratio
    Debt / equity
    ROA
    ROE
    Cash conversion
    CapEx / revenue
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    — missing data

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskUnknown

    Benchmarks vs cohort

    No cohort benchmark data available for this issuer yet.

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    Source documents
    • Letshego Africa Holdings Ltd Market data — financials · 2026-05-28

    Ownership & reference

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    LETS.BTCanonical
    — · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskUnknown

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2024-03-22 12:16 UTCEARNINGSAnnual results — FY 2024 Revenue BWP 3.48B · Net BWP -201.0M
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage