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Cantaloupe, Inc.. (CTLPP) Stock Fundamental Analysis & AI Rating 2026

CTLPP Nasdaq Calculating & Accounting Machines (No Electronic Computers) PA CIK: 0000896429
Updated This Month • Analysis: Mar 23, 2026 • SEC Data: 2025-12-31
Combined AI Rating
HOLD
70% Confidence
STRONG AGREEMENT
HOLD
62% Conf
HOLD
79% Conf

📊 CTLPP Key Takeaways

Revenue: $159.6M
Net Margin: -0.6%
Free Cash Flow: $2.9M
Current Ratio: 1.92x
Debt/Equity: 0.15x
EPS: $-0.02
AI Rating: HOLD with 62% confidence
Cantaloupe, Inc.. (CTLPP) receives a HOLD rating with 70% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $159.6M, net profit margin of -0.6%, and return on equity (ROE) of -0.4%, Cantaloupe, Inc.. demonstrates mixed fundamentals in the Technology sector. Below is our complete CTLPP stock analysis for 2026.

Is Cantaloupe, Inc.. (CTLPP) a Good Investment?

Claude

Cantaloupe demonstrates solid revenue growth of 12.6% YoY and maintains healthy gross margins of 47.3%, indicating strong operational efficiency in its core business. However, the company is unprofitable at the net income level with a -0.6% net margin and minimal operating leverage (2.0% operating margin), raising concerns about the sustainability of current margins and management's ability to convert growing revenue into profits.

ChatGPT

Cantaloupe shows decent top-line momentum and healthy gross margins, but that revenue growth is not yet translating into durable profitability. The balance sheet is solid and free cash flow is positive, yet thin operating margins, a small net loss, and weak interest coverage suggest the business is still in a transition phase rather than a clearly proven earnings compounder.

Why Buy Cantaloupe, Inc.. Stock? CTLPP Key Strengths

Claude
  • + Double-digit revenue growth (12.6% YoY) demonstrating market demand
  • + Strong gross margin of 47.3% indicating pricing power and operational efficiency
  • + Solid balance sheet with debt-to-equity ratio of 0.15x and current ratio of 1.92x showing financial stability
  • + Positive free cash flow of $2.9M despite net losses, suggesting underlying business cash generation
ChatGPT
  • + Revenue growth of 12.6% YoY indicates continued demand expansion
  • + Gross margin of 47.3% suggests a structurally attractive product and service mix
  • + Low leverage with debt/equity of 0.15x and solid liquidity ratios supports financial flexibility

CTLPP Stock Risks: Cantaloupe, Inc.. Investment Risks

Claude
  • ! Unprofitable operations with net loss of $989K despite $159.6M revenue, indicating structural margin compression issues
  • ! Critically low operating margin of 2.0% leaves minimal room for error and suggests SG&A expenses are consuming most gross profit
  • ! Weak interest coverage ratio of 1.4x indicates limited cushion for debt service obligations
  • ! Near-zero returns on equity (-0.4%) and assets (-0.3%) despite substantial capital base, signaling poor capital deployment efficiency
ChatGPT
  • ! Operating margin of 2.0% and net margin of -0.6% show limited earnings resilience
  • ! Interest coverage of 1.4x leaves little room if profits weaken or financing costs stay elevated
  • ! Free cash flow margin of 1.8% is positive but still thin, raising questions about cash conversion quality

Key Metrics to Watch

Claude
  • * Operating margin expansion - critical to achieving profitability at scale
  • * SG&A expense ratio as percentage of revenue - key to understanding margin compression
  • * Free cash flow sustainability and conversion of operating cash to net income
  • * Gross margin maintenance as revenue grows - monitor for pricing pressure or cost inflation
ChatGPT
  • * Operating margin and net income progression
  • * Free cash flow growth relative to revenue growth

Cantaloupe, Inc.. (CTLPP) Financial Metrics & Key Ratios

Revenue
$159.6M
Net Income
$-989.0K
EPS (Diluted)
$-0.02
Free Cash Flow
$2.9M
Total Assets
$381.9M
Cash Position
$53.0M

💡 AI Analyst Insight

The relatively thin 1.8% FCF margin may limit capital allocation flexibility.

CTLPP Profit Margin, ROE & Profitability Analysis

Gross Margin 47.3%
Operating Margin 2.0%
Net Margin -0.6%
ROE -0.4%
ROA -0.3%
FCF Margin 1.8%

CTLPP vs Technology Sector: How Cantaloupe, Inc.. Compares

How Cantaloupe, Inc.. compares to Technology sector averages

Net Margin
CTLPP -0.6%
vs
Sector Avg 18.0%
CTLPP Sector
ROE
CTLPP -0.4%
vs
Sector Avg 22.0%
CTLPP Sector
Current Ratio
CTLPP 1.9x
vs
Sector Avg 2.5x
CTLPP Sector
Debt/Equity
CTLPP 0.1x
vs
Sector Avg 0.5x
CTLPP Sector

Sector benchmarks are approximate industry averages. Actual sector performance may vary.

Is Cantaloupe, Inc.. Stock Overvalued? CTLPP Valuation Analysis 2026

Based on fundamental analysis, Cantaloupe, Inc.. has mixed fundamental signals relative to the Technology sector in 2026.

Return on Equity
-0.4%
Sector avg: 22%
Net Profit Margin
-0.6%
Sector avg: 18%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.15x
Sector avg: 0.5x

Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.

Cantaloupe, Inc.. Balance Sheet: CTLPP Debt, Cash & Liquidity

Current Ratio
1.92x
Quick Ratio
1.31x
Debt/Equity
0.15x
Debt/Assets
33.2%
Interest Coverage
1.39x
Long-term Debt
$37.7M

CTLPP Revenue & Earnings Growth: 5-Year Financial Trend

CTLPP 5-year financial data: Year 2020: Revenue $163.2M, Net Income -$11.3M, EPS $-0.23. Year 2021: Revenue $166.9M, Net Income -$29.9M, EPS $-0.51. Year 2023: Revenue $243.6M, Net Income -$8.7M, EPS $-0.14. Year 2024: Revenue $268.6M, Net Income -$1.7M, EPS $-0.03. Year 2025: Revenue $302.5M, Net Income $633.0K, EPS $0.00.
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: Cantaloupe, Inc..'s revenue has grown significantly by 85% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.00 indicates the company is currently unprofitable.

CTLPP Revenue Growth, EPS Growth & YoY Performance

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
1.8%
Free cash flow / Revenue

CTLPP Quarterly Earnings & Performance

Quarterly financial performance data for Cantaloupe, Inc.. including revenue, net income, and earnings per share.
Quarter Revenue Net Income EPS
Q2 2026 $73.7M -$70.0K $0.00
Q1 2026 $70.8M -$919.0K $-0.02
Q3 2025 $67.9M $4.7M $0.06
Q2 2025 $65.4M $2.0M $0.04
Q1 2025 $62.7M $2.0M $0.02
Q3 2024 $60.4M -$573.0K $-0.04
Q2 2024 $61.3M -$573.0K $-0.01
Q1 2024 $57.8M $2.0M $0.02

Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.

Cantaloupe, Inc.. Dividends, Buybacks & Capital Allocation

Operating Cash Flow
$10.1M
Cash generated from operations
Capital Expenditures
$7.2M
Investment in assets
Dividends
None
No dividend program

CTLPP SEC Filings: Latest 10-K & 10-Q Analysis

Access official SEC EDGAR filings for Cantaloupe, Inc.. (CIK: 0000896429)

📋 Recent SEC Filings

Date Form Document Action
Feb 6, 2026 10-Q ctlp-20251231.htm View →
Nov 21, 2025 8-K usat-20251119.htm View →
Nov 20, 2025 4 xslF345X05/wk-form4_1763643600.xml View →
Nov 6, 2025 10-Q ctlp-20250930.htm View →
Oct 10, 2025 DEF 14A ctlp-20251010.htm View →

Frequently Asked Questions about CTLPP

What is the AI rating for CTLPP?

Cantaloupe, Inc.. (CTLPP) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 70% combined confidence, based on fundamental analysis of SEC EDGAR filings.

What are CTLPP's key strengths?

Claude: Double-digit revenue growth (12.6% YoY) demonstrating market demand. Strong gross margin of 47.3% indicating pricing power and operational efficiency. ChatGPT: Revenue growth of 12.6% YoY indicates continued demand expansion. Gross margin of 47.3% suggests a structurally attractive product and service mix.

What are the risks of investing in CTLPP?

Claude: Unprofitable operations with net loss of $989K despite $159.6M revenue, indicating structural margin compression issues. Critically low operating margin of 2.0% leaves minimal room for error and suggests SG&A expenses are consuming most gross profit. ChatGPT: Operating margin of 2.0% and net margin of -0.6% show limited earnings resilience. Interest coverage of 1.4x leaves little room if profits weaken or financing costs stay elevated.

What is CTLPP's revenue and growth?

Cantaloupe, Inc.. reported revenue of $159.6M.

Does CTLPP pay dividends?

Cantaloupe, Inc.. does not currently pay dividends.

Where can I find CTLPP SEC filings?

Official SEC filings for Cantaloupe, Inc.. (CIK: 0000896429) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is CTLPP's EPS?

Cantaloupe, Inc.. has a diluted EPS of $-0.02.

How is the AI analysis conducted?

Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.

Is CTLPP a good stock to buy right now?

Based on our AI fundamental analysis in April 2026, Cantaloupe, Inc.. has a HOLD rating with 70% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.

Is CTLPP stock overvalued or undervalued?

Valuation metrics for CTLPP: ROE of -0.4% (sector avg: 22%), net margin of -0.6% (sector avg: 18%). Compare these metrics with sector averages to assess valuation.

Should I buy CTLPP stock in 2026?

Our dual AI analysis gives Cantaloupe, Inc.. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.

What is CTLPP's free cash flow?

Cantaloupe, Inc..'s operating cash flow is $10.1M, with capital expenditures of $7.2M. FCF margin is 1.8%.

How does CTLPP compare to other Technology stocks?

Vs Technology sector averages: Net margin -0.6% (avg: 18%), ROE -0.4% (avg: 22%), current ratio 1.92 (avg: 2.5).

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Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Mar 23, 2026 | Data as of: 2025-12-31 | Powered by Claude AI