v3.26.1
Borrowings (Tables)
 12 Months Ended
Jun. 30, 2026
Borrowings [Abstract]  
Summary Of Short-Term Credit Facilities
RMB
RMB
Nedbank
RMB
RMB
RMB
GBF
Other
Facilities
Connect
Bridge
Facility E
Total
Short-term facilities available as
of June 30, 2026
$
67,702
$
5,534
$
9,542
$
-
$
-
$
-
$
82,778
Overdraft
67,702
-
-
-
-
-
67,702
Indirect and derivative
facilities
-
5,534
9,542
-
-
-
15,076
Movement in utilized overdraft
facilities:
Balance as of June 30, 2024
-
-
-
9,351
-
6,737
16,088
Utilized
27,917
-
-
5,655
41,150
23,894
98,616
Repaid
(4,311)
-
-
(14,627)
(39,205)
(31,028)
(89,171)
Foreign currency adjustment
(1)
863
-
-
(379)
(1,945)
397
(1,064)
Balance as of June 30, 2025
24,469
-
-
-
-
-
24,469
No restrictions as to use
24,469
-
-
-
-
-
24,469
Utilized
123,712
-
-
-
-
-
123,712
Repaid
(129,417)
-
-
-
-
-
(129,417)
Facility fees paid
(252)
-
-
-
-
-
(252)
Facility fees amortized
64
-
-
-
-
-
64
Foreign currency
adjustment
(1)
2,095
-
-
-
-
-
2,095
Balance as of June 30, 2026
20,671
-
-
-
-
-
20,671
No restrictions as to use
20,671
-
-
-
-
-
20,671
Interest rate as of June 30,
2026 (%)
(2)
10.00
Interest rate as of June 30,
2025 (%)
(2)
10.25
Movement in utilized indirect and
derivative facilities:
Balance as of June 30, 2024
-
1,821
116
-
-
-
1,937
Foreign currency
adjustment
(1)
-
43
3
-
-
-
46
Balance as of June 30, 2025
-
1,864
119
-
-
-
1,983
Guarantees cancelled
-
(1,543)
-
-
-
-
(1,543)
Utilized
-
3,588
-
-
-
-
3,588
Foreign currency
adjustment
(1)
-
370
10
-
-
-
380
Balance as of June 30, 2026
$
-
$
4,279
$
129
$
-
$
-
$
-
$
4,408
(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
Lesaka
G & H
Connect
A&B
Total
Opening balance as of June 30,
2024
$
-
$
-
$
8,379
$
11,841
$
56,151
$
66,815
$
143,186
Facilities utilized
116,652
54,112
3,184
5,091
11,022
-
190,061
Facilities repaid
-
-
(4,513)
(554)
(60,245)
(65,910)
(131,222)
Non-refundable fees paid
970
-
-
-
-
-
970
Non-refundable fees amortized
248
-
-
21
116
32
417
Capitalized interest
-
-
-
-
5,033
-
5,033
Capitalized interest repaid
-
-
-
-
(11,077)
-
(11,077)
Foreign currency adjustment
(1)
2,505
2,209
129
495
(1,000)
(937)
3,401
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
-
-
5,977
972
-
-
6,949
Facilities repaid
-
(8,953)
(4,788)
-
-
-
(13,741)
Non-refundable fees paid
-
-
-
(33)
-
-
(33)
Non-refundable fees
amortized
314
-
5
29
-
-
348
Capitalized interest
-
-
-
-
-
-
-
Capitalized interest repaid
-
-
-
-
-
-
-
Foreign currency
adjustment
(1)
9,902
4,439
632
1,446
-
-
16,419
Closing balance as of
June 30, 2026
130,591
51,807
9,005
19,308
-
-
210,711
Included in current
-
12,190
3,924
-
-
-
16,114
Included in long-term
130,591
39,617
5,081
19,308
-
-
194,597
Unamortized fees
(799)
-
-
(6)
-
-
(805)
Due within 2 years
-
18,285
3,085
19,314
-
-
40,684
Due within 3 years
131,390
21,332
1,694
-
-
-
154,416
Due within 4 years
-
-
302
-
-
-
302
Due within 5 years
$
-
$
-
$
-
$
-
$
-
$
-
$
-
Interest rates as of June 30, 2026
(%):
10.14
10.04
10.75
10.40
-
-
Base rate (%)
6.73
6.73
10.50
10.50
-
-
Credit adjustment spread (%)
0.16
0.16
-
-
-
-
Margin (%)
3.25
3.15
0.25
(0.10)
-
-
Footnote number
(2)(3)
(4)(5)
(6)
(7)
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
(3)
(5)
(6)
(8)
(1) Represents the effects of the fluctuations between the ZAR and the
U.S. dollar.
(2) From April
1, 2026, interest on
Facility A is based
on ZARONIA in
effect from
time to time plus
a margin.
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)
2.50
%, if the Net Debt to EBITDA Ratio is less than 2.5 times.
(3) Interest
on Facility
A was 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,
to March
31, 2026,
the margin
on Facility
A was
determined with
reference to
the Net
Debt to
EBITDA Ratio, and the margin would be either (i)
3.25
%, if the Net Debt to EBITDA Ratio was greater than or equal to 2.5 times; or
(
ii)
2.50
%, if the Net Debt to EBITDA Ratio was less than 2.5 times.
12.
BORROWINGS (continued)
Movement in long-term borrowings (continued)
(4) From April 1, 2026, interest on Facility B is calculated based on ZARONIA from time to time plus
a margin. 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)
2.40
%, if the Net Debt to EBITDA Ratio is less than 2.5 times.
(5) Interest on Facility B was 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, to March 31, 2026, the margin on Facility B was determined with reference to the Net
Debt to EBITDA
Ratio, and the margin would be
either (i)
3.15
%, if the Net
Debt to EBITDA Ratio
was greater than or equal
to 2.5 times; or
(ii)
2.40
%,
if the Net Debt to EBITDA Ratio was less than 2.5 times.
(6) Interest is charged at prime plus
0.75
% per annum on the utilized balance.
(7) Interest is charged at prime less
0.10
% per annum on the utilized balance.
(8) Interest was charged at prime plus
0.95
% per annum on the utilized balance.