Asseco Poland SA (ACP) AI Stock Analysis

• Market Cap: zł18.34B
• Dividend Yield: 1.7%
• Average Volume (3M): 142.83K
• Price to Earnings (P/E): 26.6
• Beta (1Y): 0.77
• Revenue Growth: 5.93%
• EPS Growth: 20.84%
• Country: PL
• Employees: 33,752
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): 2.14
• Shares Outstanding: 83,000,305
• 10 Day Avg. Volume: 148,184
• 30 Day Avg. Volume: 142,830
• PEG Ratio: 0.51
• Price to Book (P/B): 1.19
• Price to Sales (P/S): 0.38
• P/FCF Ratio: 3.29
• 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

• Rating: 65 Neutral
• Price Target: zł215.00 ▼(-4.36% Downside)

Asseco Poland SA's overall stock score reflects strong financial performance with stable margins and a solid balance sheet, offset by increasing debt levels and declining free cash flow growth. Technical analysis indicates a neutral trend with no strong momentum, while valuation metrics suggest the stock may be overvalued. The absence of earnings call and corporate events data limits further insights.

Asseco Poland SA Business Overview & Revenue Model

Company Description

Asseco Poland SA (ACP) is a leading software house in Poland and a prominent player in the information technology sector. Established in 1991, the company specializes in providing comprehensive IT solutions and services across various industries, including finance, public administration, healthcare, and telecommunications. ACP develops and integrates software applications, delivers IT consulting services, and offers maintenance and support for its products. Its core offerings include banking systems, ERP solutions, and specialized software for managing complex business processes.

How the Company Makes Money

Asseco Poland SA generates revenue primarily through the sale of software licenses, implementation services, and ongoing maintenance and support contracts. The company earns income from both one-time sales and recurring subscription models. Key revenue streams include custom software development for clients in the banking and finance sectors, which often involve long-term contracts and partnerships. Additionally, Asseco collaborates with various technology providers and consultants to enhance its service offerings and reach, contributing to its revenue through joint projects and shared client engagements. The company's focus on innovation and adapting to market needs, such as cloud solutions and digital transformation services, further supports its financial growth.

Asseco Poland SA Financial Statement Overview

Summary

Asseco Poland SA shows strong revenue growth and operational efficiency with stable margins and a solid balance sheet. However, increasing debt levels and declining free cash flow growth pose potential risks. The company should focus on enhancing profitability and managing leverage to sustain long-term growth.

Income Statement

Asseco Poland SA has demonstrated consistent revenue growth over the years, with a slight dip in 2023. The gross profit margin and net profit margin have remained stable, indicating efficient cost management. EBIT and EBITDA margins are healthy, reflecting strong operational performance. However, the net profit margin is relatively low, suggesting room for improvement in profitability.

Balance Sheet

The company's debt-to-equity ratio has been increasing, indicating a rising reliance on debt financing. However, the return on equity remains strong, showcasing effective use of equity capital. The equity ratio is stable, suggesting a balanced capital structure. Overall, the balance sheet reflects a solid financial position with manageable leverage.

Cash Flow

Operating cash flow has been robust, but there is a notable decline in free cash flow growth, which could impact future investments. The operating cash flow to net income ratio is moderate, indicating a decent conversion of income to cash. The free cash flow to net income ratio is strong, reflecting efficient cash generation relative to profits.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	17.77B	17.13B	16.90B	17.37B	14.50B	12.19B
Gross Profit	4.12B	3.89B	3.73B	3.78B	3.24B	2.66B
EBITDA	3.18B	2.71B	2.59B	2.76B	2.24B	1.89B
Net Income	566.80M	519.90M	482.80M	502.30M	467.60M	401.60M
Balance Sheet
Total Assets	19.45B	20.32B	18.84B	20.13B	18.57B	16.70B
Cash, Cash Equivalents and Short-Term Investments	2.53B	3.53B	3.30B	3.75B	3.20B	3.06B
Total Debt	3.79B	3.91B	4.10B	3.97B	3.43B	2.98B
Total Liabilities	10.24B	10.68B	9.77B	9.92B	8.92B	7.75B
Stockholders Equity	5.38B	5.50B	5.30B	6.55B	6.28B	6.04B
Cash Flow
Free Cash Flow	2.14B	1.99B	2.28B	1.43B	1.47B	1.65B
Operating Cash Flow	2.49B	2.35B	2.49B	1.85B	1.59B	1.96B
Investing Cash Flow	-885.30M	-508.10M	-893.20M	-490.60M	-599.90M	-737.70M
Financing Cash Flow	-1.70B	-1.61B	-1.93B	-809.80M	-983.20M	-520.30M

Asseco Poland SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 224.80
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:ACP, the sentiment is Positive. The current price of 224.8 is above the 20-day moving average (MA) of 220.79, above the 50-day MA of 208.96, and above the 200-day MA of 175.15, indicating a bullish trend. The MACD of 4.17 indicates Negative momentum. The RSI at 59.83 is Neutral, neither overbought nor oversold. The STOCH value of 84.22 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PL:ACP.

Asseco Poland SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ASE	―	zł3.45B	18.02	17.83%	2.63%	7.18%	-2.62%
VRC	―	zł2.73B	31.50	23.11%	1.64%	24.56%	11.43%
ACP	―	zł18.34B	26.59	10.33%	1.70%	5.93%	20.84%
WPL	―	€1.77B	14.55	13.82%	3.77%	16.90%	-16.02%
Sector *	―	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%