v3.25.4
Borrowings (Tables)
 6 Months Ended
Dec. 31, 2025
Borrowings [Abstract]  
Summary Of Short-Term Credit Facilities
RMB
RMB
Nedbank
GBF
Other
Facilities
Total
Short-term facilities available as of December 31, 2025
$
42,267
$
6,073
$
9,441
$
57,781
Overdraft
42,267
-
-
42,267
Indirect and derivative facilities
-
6,073
9,441
15,514
Movement in utilized overdraft facilities:
No restrictions as to use
24,469
-
-
24,469
Balance as of June 30, 2025
24,469
-
-
24,469
Utilized
48,509
-
-
48,509
Repaid
(53,101)
-
-
(53,101)
Foreign currency adjustment
(1)
1,456
-
-
1,456
Balance as of December 31, 2025
21,333
-
-
21,333
No restrictions as to use
$
21,333
$
-
$
-
$
21,333
Interest rate as of December 31, 2025 (%)
(2)
9.75
N/A
N/A
Interest rate as of June 30, 2025 (%)
(2)
10.25
N/A
N/A
Movement in utilized indirect and derivative facilities:
Balance as of June 30, 2025
$
-
$
1,864
$
119
$
1,983
Guarantees cancelled
-
(1,611)
-
(1,611)
Utilized
-
1,536
-
1,536
Foreign currency adjustment
(1)
-
128
8
136
Balance as of December 31, 2025
$
-
$
1,917
$
127
$
2,044
(1) Represents the effects of the fluctuations between the
ZAR and the U.S. dollar.
(2) RMB GBF interest is set at prime less
0.50
%.
Summary Of Long-Term Borrowings
Facilities
Lesaka A
Lesaka B
Asset
backed
CCC
Total
Included in current
$
-
$
8,448
$
3,508
$
-
$
11,956
Included in long-term
120,375
47,873
3,671
16,894
188,813
Opening balance as of June 30, 2025
120,375
56,321
7,179
16,894
200,769
Facilities utilized
-
-
3,057
972
4,029
Facilities repaid
-
-
(2,385)
-
(2,385)
Non-refundable fees paid
-
-
-
(33)
(33)
Non-refundable fees amortized
152
-
5
12
169
Foreign currency adjustment
(1)
8,520
3,983
533
1,242
14,278
Closing balance as of December 31, 2025
129,047
60,304
8,389
19,087
216,827
Included in current
-
9,046
3,979
-
13,025
Included in long-term
129,047
51,258
4,410
19,087
203,802
Unamortized fees
(951)
-
-
(23)
(974)
Due within 2 years
-
12,061
2,518
-
14,579
Due within 3 years
-
18,091
1,530
19,110
38,731
Due within 4 years
129,998
21,106
362
-
151,466
Due within 5 years
$
-
$
-
$
-
$
-
$
-
Interest rates as of December 31, 2025 (%):
10.00
9.90
11.00
10.15
Base rate (%)
6.75
6.75
10.25
10.25
Margin (%)
3.25
3.15
0.75
(0.10)
(2)
(3)
(4)
(5)
Interest rates as of June 30, 2025 (%):
10.54
10.44
11.50
11.70
Base rate (%)
7.29
7.29
10.75
10.75
Margin (%)
3.25
3.15
0.75
0.95
Footnote number
(2)
(3)
(4)
(6)
(1) Represents the effects of the fluctuations between the ZAR and the
U.S. dollar.
(2) Interest
on Facility
A and Facility
B is based
on the JIBAR
in effect
from time
to time
plus an
initial margin
of
3.25
% per
annum until
June 30,
2025. From
July 1,
2025, the
margin on
Facility A
is determined
with reference
to the
Net Debt
to EBITDA
Ratio, and the
margin will be either
(i)
3.25
%, if the Net
Debt to EBITDA Ratio
is greater than or
equal to 2.5 times;
or (ii)
2.5
%, if
the Net Debt to EBITDA Ratio is less than 2.5 times.
(3) Interest on
Facility B is calculated
based on JIBAR from
time to time plus
an initial margin
of
3.15
% per annum
until June
30, 2025. From July 1, 2025, the margin on Facility B is determined with reference to the Net Debt to EBITDA Ratio, and the margin
will be either (i)
3.15
%, if the Net
Debt to EBITDA Ratio is greater than
or equal to 2.5 times;
or (ii)
2.4
%, if the Net Debt
to EBITDA
Ratio is less than 2.5 times.
(4) Interest is charged at prime plus
0.75
% per annum on the utilized balance.
(5) Interest is charged at prime less 0.10% per annum on
the utilized balance.
(6) Interest is charged at prime plus
0.95
% per annum on the utilized balance.