Sidetrade SA (ALBFR) AI Stock Analysis

• Market Cap: €219.54M
• Dividend Yield: N/A
• Average Volume (3M): 1.45K
• Price to Earnings (P/E): 24.0
• Beta (1Y): 0.55
• Revenue Growth: 24.74%
• EPS Growth: 18.04%
• Country: FR
• Employees: 396
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): 2.92
• Shares Outstanding: 1,497,347
• 10 Day Avg. Volume: 1,778
• 30 Day Avg. Volume: 1,446
• PEG Ratio: 1.07
• Price to Book (P/B): 8.39
• Price to Sales (P/S): 5.77
• P/FCF Ratio: 38.58
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: €152.00 ▼(-36.40% Downside)

The score is driven by strong financial performance (growth, profitability, and cash generation) but is meaningfully offset by very bearish technical indicators, with valuation offering only moderate support (P/E ~24 and no dividend yield data).

Positive Factors

Recurring SaaS Revenue Model

A subscription-based SaaS model provides durable, predictable recurring revenue and higher customer lifetime value. This supports stable cash flows, easier forecasting, and scalable upsell expansion into existing accounts, strengthening long-term revenue resilience and retention economics.

Strong Top-Line Growth

Sustained mid-to-high twenties revenue growth indicates expanding product adoption and market traction for Sidetrade's AI-driven AR platform. Persistent revenue expansion supports reinvestment in product, sales, and internationalization, underpinning durable growth prospects over multiple reporting cycles.

Robust Cash Generation

Strong free cash flow growth and operating cash conversion show efficient monetization of earnings and operational cash discipline. High cash conversion provides flexibility to fund R&D, sales expansion, and potential strategic M&A without reliance on external financing, enhancing financial durability.

Negative Factors

Declining EBIT Margin

A material drop in EBIT margin signals rising operating costs or lower operating leverage as the company scales. If structural rather than temporary, this erosion can pressure future profitability and reduce reinvestment capacity, requiring sustained margin recovery to preserve long-term returns.

Conservative Financing May Limit Growth

Very low leverage and a declining debt posture indicate a conservative capital strategy. While reducing financial risk, limited use of debt can constrain faster scaling or opportunistic M&A, potentially slowing market share gains versus competitors that deploy more aggressive capital to accelerate growth.

Limited Public Disclosure / Investor Engagement

Absence of earnings call data and limited corporate event disclosures suggests weaker ongoing investor communications. Reduced transparency can obscure management's operational cadence and strategic signals, making it harder for stakeholders to assess execution and increasing perceived governance risk over time.

Sidetrade SA Business Overview & Revenue Model

Company Description

Sidetrade SA provides AI-powered order-to-cash (O2C) software as a service platform in France and internationally. It offers Aimie, an AI-powered O2C assistant; Augmented Cash, a cash and credit management software solution; Augmented Revenue, which uses predictive analytics to help organizations anticipate customer behaviors; Augmented Order module that automates sales order processing for reducing invoice errors, real-time workflow tracking, and expedited processing of order files; Credit Risk Management, a data-driven credit management software for real-time credit risk decisions; and Augmented Invoice module, which automates invoice processing for reducing invoice errors, real-time workflow tracking, and expedited payments. The company also provides Augmented Collection that automates collection and leverages artificial intelligence to streamline the O2C process and reduce DSO; Sidetrade Payment Intelligence, which predicts customer's payment behavior at an individual and group level; Sidetrade Analytics module that provides a library of interactive plug and play reports and dynamic dashboards in real-time; and Digital Case, which provides single view of complaint communications, and consolidates and categorizes dispute details. It serves the construction and mining, consumer packaged goods, financial services, ICT, life sciences, manufacturing, retail, services, transport and logistics, and utilities and environment sectors. The company was founded in 2000 and is headquartered in Boulogne-Billancourt, France.

How the Company Makes Money

Sidetrade generates revenue primarily through subscription-based licensing of its software solutions, which are offered as Software as a Service (SaaS). This model allows clients to access Sidetrade's platform on a recurring basis, providing a steady and predictable revenue stream. Additionally, the company may earn income through consulting services related to the implementation and optimization of its solutions, as well as through training and support services for its clients. Strategic partnerships with other technology providers and integration with various financial systems further enhance its offerings and can contribute to revenue growth by expanding its customer base and increasing the value of its solutions.

Sidetrade SA Financial Statement Overview

Summary

Strong fundamentals: revenue grew 25.75% (2023–2024), profitability improved with net margin at 14.36%, and cash flow conversion is solid (operating cash flow to net income 1.21; free cash flow growth 61.63%). A modest concern is the EBIT margin decline (13.28% to 10.25%), indicating some operating cost pressure.

Income Statement

Sidetrade SA has shown strong revenue growth with an impressive increase of 25.75% from 2023 to 2024. The gross profit margin improved significantly in 2024, indicating better cost management. Net profit margin also strengthened to 14.36%, reflecting improved profitability. However, the slight dip in EBIT margin from 13.28% in 2023 to 10.25% in 2024 suggests increased operational costs. Overall, the company exhibits strong revenue growth and profitability with some room for efficiency improvements.

Balance Sheet

The company maintains a stable financial position with a debt-to-equity ratio of 0.20 in 2024, indicating low leverage. The equity ratio stands at 51.38%, highlighting a strong equity base relative to total assets. Return on equity increased to 20.04% in 2024, showcasing efficient use of equity capital. However, the decline in total debt over the years indicates conservative financing strategies that might limit growth opportunities.

Cash Flow

Sidetrade SA demonstrates robust cash flow performance, with a free cash flow growth rate of 61.63% from 2023 to 2024. The operating cash flow to net income ratio of 1.21 reflects strong cash generation relative to net income. The free cash flow to net income ratio of 1.08 indicates effective conversion of earnings to cash. Overall, the company shows strong cash management and liquidity, supporting its financial health.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	59.46M	57.29M	46.21M	36.76M	32.58M	29.18M
Gross Profit	5.89M	15.92M	8.65M	-864.51K	1.16M	-64.67K
EBITDA	8.12M	7.62M	7.25M	4.49M	5.80M	4.07M
Net Income	8.43M	7.90M	5.63M	3.37M	4.72M	3.41M
Balance Sheet
Total Assets	89.11M	76.70M	64.99M	63.55M	55.89M	38.53M
Cash, Cash Equivalents and Short-Term Investments	27.22M	25.23M	23.79M	20.36M	18.00M	14.29M
Total Debt	6.78M	7.90M	10.26M	11.97M	13.13M	238.99K
Total Liabilities	45.89M	37.21M	33.68M	37.47M	33.12M	17.22M
Stockholders Equity	42.87M	39.40M	31.31M	26.82M	23.34M	22.16M
Cash Flow
Free Cash Flow	6.16M	8.57M	5.30M	3.23M	5.95M	6.50M
Operating Cash Flow	7.08M	9.57M	8.70M	4.04M	7.38M	7.67M
Investing Cash Flow	-1.42M	-6.16M	-2.74M	-871.00K	-12.55M	-1.03M
Financing Cash Flow	-2.43M	-2.16M	-2.36M	-842.00K	8.74M	2.34M

Sidetrade SA Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 239.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:ALBFR, the sentiment is Negative. The current price of 239 is above the 20-day moving average (MA) of 199.60, above the 50-day MA of 227.92, and above the 200-day MA of 235.26, indicating a bearish trend. The MACD of -22.57 indicates Positive momentum. The RSI at 13.04 is Positive, neither overbought nor oversold. The STOCH value of 3.71 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FR:ALBFR.

Sidetrade SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SWP	75 Outperform	€348.23M	16.82	25.87%	5.63%	14.40%	1.92%
QDT	67 Neutral	€545.74M	8.61	5.80%	4.90%	0.13%	11.29%
LSS	64 Neutral	€854.52M	30.92	8.16%	1.76%	0.40%	-9.67%
LIN	63 Neutral	€205.71M	7.48	―	3.68%	0.23%	10.46%
74SW	62 Neutral	€1.06B	21.04	9.71%	―	103.99%	17.53%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
ALBFR	61 Neutral	€219.54M	24.00	21.64%	―	24.74%	18.04%