CTLP

Technology

Cantaloupe, Inc. · Information Technology Services · $830M

UQS Score — Balanced Preset
39.5
Below Average

Cantaloupe, Inc. scores 39.5/100 using the Balanced preset.

UQS vs Technology Sector
CTLP
39.5
Sector avg
38.0
Quality
Weak
Moat
Weak
Growth
Weak
Risk
Good
Valuation
Neutral

What is Cantaloupe, Inc.?

Cantaloupe, Inc. is a digital payment and software services company focused on the unattended retail market. Formerly known as USA Technologies, it powers cashless transactions across vending, car wash, laundry, and similar self-service environments.

Cantaloupe generates revenue by providing integrated payment processing, logistics management, and back-office software to operators of unattended retail equipment. Its flagship ePort device enables cashless payments at vending machines, kiosks, amusement units, and more. The company also offers wireless software services that allow remote management of payment devices in the field, reducing the operational burden on its customers.

Incorporated in 1992 and headquartered in Malvern, Pennsylvania, Cantaloupe has spent decades building infrastructure for the unattended commerce space.

  • ePort cashless payment devices for self-service machines
  • Integrated back-office and logistics management software
  • Wireless payment device management and updates
  • Micro-market and kiosk technology solutions
  • Digital asset payment integration via Bakkt partnership

Is CTLP a Good Stock to Buy?

UQS Score rates CTLP as Below Average overall, reflecting meaningful challenges across several key quality dimensions.

The Risk pillar stands out as the relative bright spot in Cantaloupe's profile, suggesting the company's financial structure carries a more manageable risk profile than its overall score might imply. Valuation comes in at a Neutral rating, meaning the stock is neither clearly cheap nor obviously expensive relative to what the business delivers.

Both the Moat and Growth pillars register as Weak, pointing to limited competitive differentiation and subdued business expansion — two factors that weigh heavily on long-term quality assessments.

See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →

Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.

Does CTLP pay dividends?

No — Cantaloupe, Inc. does not currently pay a dividend.

Cantaloupe does not currently pay a dividend. As a small-cap technology company still working to scale its platform, capital is directed toward product development, partnerships, and expanding its footprint in the unattended retail market rather than returned to shareholders as income.

When does CTLP report earnings?

Cantaloupe reports earnings on a quarterly cadence, consistent with standard practice for US-listed equities.

The company's Growth pillar rates as Weak, suggesting recent financial results have not demonstrated the kind of expansion trajectory that would meaningfully re-rate the stock. Revenue trends in the unattended retail technology space remain tied to operator adoption and macro spending patterns.

For the most recent quarter's results and guidance, visit Cantaloupe's investor relations page directly.

CTLP Price History

-11.8% over 5Y

Monthly close, adjusted for stock splits and dividend reinvestment.

Return Calculator

What if I invested in Cantaloupe, Inc.?

$
Today it would be worth
$9,456
That's a -5.4% total return, or -1.1% annualized.

Based on Cantaloupe, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

CTLP Long-term Outlook

Cantaloupe's fundamental outlook is tempered by Weak ratings in both Growth and Moat, indicating that near-term expansion may be limited and that the company has not yet established a durable competitive edge. The Good Risk rating provides some stability to the picture, suggesting the business is not in acute financial distress. The path to a stronger UQS profile likely depends on accelerating platform adoption and deepening its technology differentiation in the unattended retail space.

Growth drivers

  • Expanding cashless payment adoption across vending and self-service verticals
  • Strategic partnerships such as Bakkt enabling digital asset payments at unattended devices
  • Growing demand for back-office software among unattended retail operators

Key risks

  • Weak Moat rating signals limited pricing power and vulnerability to larger payment platform competitors
  • Weak Growth rating suggests the business has not yet demonstrated consistent revenue acceleration
  • Small-cap status and niche market focus may limit scale advantages over time

CTLP vs Peers

Cantaloupe operates in a competitive landscape that includes companies offering adjacent payment, software, and technology services.

VYXCTLP scores higher
NCR Voyix Corporation

NCR Voyix serves a broader range of commerce verticals including retail and hospitality, giving it a wider addressable market than Cantaloupe's unattended retail focus.

TASKCTLP scores lower
TaskUs, Inc.

TaskUs focuses on outsourced digital services and customer experience rather than payment hardware, representing a different approach to technology-enabled business operations.

NABLCTLP scores higher
N-able, Inc.

N-able provides IT management software for managed service providers, competing in the software services layer but targeting an entirely different end-market than unattended retail.

Frequently Asked Questions

What does Cantaloupe do?

Cantaloupe provides digital payment devices and software services for the unattended retail market. Its technology enables cashless transactions at vending machines, car washes, commercial laundry units, kiosks, and amusement equipment. The company also offers back-office management tools that help operators run their fleets of self-service machines more efficiently.

Does CTLP pay dividends?

Cantaloupe does not pay a dividend. The company reinvests available capital into growing its platform and expanding partnerships rather than distributing income to shareholders. Investors seeking dividend income should look elsewhere in the technology sector.

When does CTLP report earnings?

Cantaloupe follows a standard quarterly earnings cadence for US-listed companies. Specific upcoming report dates are not covered by our data source. For the latest schedule, check Cantaloupe's official investor relations page.

Is CTLP a good stock to buy?

UQS Score rates CTLP as Below Average, driven by Weak scores in both Moat and Growth. The Risk pillar is rated Good, which provides some stability. Whether the stock fits your portfolio depends on your risk tolerance and investment thesis — the full pillar breakdown is available to Pro members.

Is CTLP overvalued?

The UQS Valuation pillar for CTLP is rated Neutral, meaning the stock does not appear clearly overpriced or deeply discounted relative to its fundamentals. Valuation context is most useful when viewed alongside the Quality and Growth pillars, both of which are weaker for Cantaloupe.

How does CTLP compare to its competitors?

Cantaloupe occupies a niche in unattended retail technology, which differentiates it from broader payment and software peers like NCR Voyix. Its focused market position is both a potential advantage and a limitation, as it restricts the addressable market compared to competitors serving multiple verticals.

What is CTLP's market cap bracket?

Cantaloupe is classified as a small-cap company. This means it carries higher volatility risk and less analyst coverage than large- or mega-cap peers, but may also offer more room for growth if the business scales its platform successfully.

Who founded Cantaloupe?

The company was originally incorporated in 1992 under the name USA Technologies, Inc. before rebranding to Cantaloupe, Inc. Founding details are widely available through public records and the company's own corporate history disclosures.

Is CTLP a long-term quality investment?

As a long-term quality indicator, the UQS Score rates CTLP as Below Average. The Weak Moat and Growth pillars suggest the company has not yet established the durable competitive advantages typically associated with high-quality long-term holdings. The Good Risk rating is a positive signal, but it alone does not offset the other pillar weaknesses.

What is the main competitive advantage of Cantaloupe?

Cantaloupe's primary advantage lies in its integrated approach — combining payment hardware, wireless software management, and back-office tools into a single platform for unattended retail operators. However, the UQS Moat pillar rates this advantage as Weak, indicating it may not yet be sufficiently differentiated to fend off competition over the long run.

What sector does CTLP belong to?

Cantaloupe is classified in the Technology sector, specifically within digital payments and software services. Its end-market focus on unattended retail — vending, kiosks, car washes, and similar environments — gives it a more specialized profile than most broad-based technology companies.

Is CTLP a growth stock or value stock?

Based on UQS pillar labels, CTLP does not fit neatly into either category. The Growth pillar is rated Weak, meaning it lacks the expansion profile of a typical growth stock. The Valuation pillar is Neutral, so it does not screen as a deep-value opportunity either. It currently sits in an in-between position.

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Pro Analysis

CTLP — Score History

303540455055Apr 2Apr 12Apr 22May 2May 12May 22May 24v5
Score changes· 19 most recent
DateUQSQualityMoatGrowthRiskValueChange
May 22, 202639.516.738.037.878.043.7+0.2
May 21, 202639.316.738.037.878.042.5-0.1
May 16, 202639.416.738.037.878.043.4-0.1
May 11, 202639.516.738.037.878.043.7-5.7
May 3, 202645.241.338.037.873.045.8+0.1
May 1, 202645.141.338.037.873.045.5+0.1
Apr 26, 202645.041.338.037.873.044.30.0
Apr 25, 202645.041.338.037.873.044.8-0.1
Apr 24, 202645.141.338.037.873.045.2-0.1
Apr 23, 202645.241.338.037.873.046.0+0.1

CTLP — Pillar Breakdown

Quality

16.7/100 (25%)

Cantaloupe, Inc. currently shows below-average quality metrics, suggesting challenges with profitability.

Capital Efficiency (ROIC)Weak

How effectively capital is deployed to generate returns.

Return on EquityWeak

Profitability relative to shareholders' equity.

Operating ProfitabilityWeak

Ability to convert revenue into operating profit.

Net ProfitabilityWeak

Bottom-line profit as a share of revenue.

Gross Profit / AssetsModerate

Asset productivity — how much gross profit each dollar of assets generates.

Cash GenerationWeak

Free cash flow relative to market value.

Growth

37.8/100 (20%)

Cantaloupe, Inc. shows steady but unspectacular growth, typical for mature companies.

Recent Revenue TrendWeak

Revenue trajectory over the last twelve months.

3Y Revenue CAGRWeak

Compound annual revenue growth rate over 3 years.

EPS GrowthStrong

Year-over-year earnings per share growth.

Forward Revenue OutlookModerate

Analyst consensus for future revenue growth.

Forward EPS GrowthWeak

Analyst consensus for future earnings growth.

Risk

78.0/100 (15%)

Cantaloupe, Inc. carries minimal financial risk with conservative leverage and strong solvency.

Financial LeverageStrong

Debt levels relative to earnings capacity.

Debt/EquityStrong

Total debt relative to shareholder equity.

Current RatioModerate

Short-term liquidity — ability to pay near-term obligations.

Interest CoverageWeak

Earnings capacity relative to interest payments.

Valuation

44.0/100 (15%)

Cantaloupe, Inc. has a mixed valuation — some metrics suggest fair value while others appear stretched.

Earnings YieldModerate

Inverse of forward P/E — higher yield means cheaper stock.

EV/EBITDA vs SectorModerate

Enterprise value multiple relative to sector median.

Moat

38/100 (25%)

Cantaloupe, Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CTLP.

Score Composition

Quality
16.7×25%4.2
Growth
37.8×20%7.6
Risk
78.0×15%11.7
Valuation
44.0×15%6.6
Moat
38.0×25%9.5
Total
39.5Below Average

Financial Data

More Stock Analysis

How is the CTLP UQS Score Calculated?

The UQS (Unified Quality Score) for Cantaloupe, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Cantaloupe, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Cantaloupe, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.