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Asseco Poland SA (PL:ACP)
:ACP
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Asseco Poland SA (ACP) AI Stock Analysis

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PL:ACP

Asseco Poland SA

(OTC:ACP)

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Neutral 65 (OpenAI - 4o)
Rating:65Neutral
Price Target:
zł215.00
▼(-12.39% 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 (ACP) vs. SPDR S&P 500 ETF (SPY)

Asseco Poland SA Business Overview & Revenue Model

Company DescriptionAsseco 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 MoneyAsseco 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
75
Positive
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
70
Positive
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
65
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue17.77B17.13B16.90B17.37B14.50B12.19B
Gross Profit4.12B3.89B3.73B3.78B3.24B2.66B
EBITDA3.18B2.71B2.59B2.76B2.24B1.89B
Net Income566.80M519.90M482.80M502.30M467.60M401.60M
Balance Sheet
Total Assets19.45B20.32B18.84B20.13B18.57B16.70B
Cash, Cash Equivalents and Short-Term Investments2.53B3.53B3.30B3.75B3.20B3.06B
Total Debt3.79B3.91B4.10B3.97B3.43B2.98B
Total Liabilities10.24B10.68B9.77B9.92B8.92B7.75B
Stockholders Equity5.38B5.50B5.30B6.55B6.28B6.04B
Cash Flow
Free Cash Flow2.14B1.99B2.28B1.43B1.47B1.65B
Operating Cash Flow2.49B2.35B2.49B1.85B1.59B1.96B
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 Price245.40
Price Trends
50DMA
201.26
Positive
100DMA
196.77
Positive
200DMA
164.39
Positive
Market Momentum
MACD
5.07
Negative
RSI
74.90
Negative
STOCH
90.66
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 245.4 is above the 20-day moving average (MA) of 209.81, above the 50-day MA of 201.26, and above the 200-day MA of 164.39, indicating a bullish trend. The MACD of 5.07 indicates Negative momentum. The RSI at 74.90 is Negative, neither overbought nor oversold. The STOCH value of 90.66 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

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
zł3.49B18.3218.99%2.60%7.18%-2.62%
69
Neutral
zł2.76B31.8522.76%1.62%24.56%11.43%
65
Neutral
$17.89B25.5110.33%1.61%5.93%20.84%
64
Neutral
zł1.77B14.5016.08%4.88%16.90%-16.02%
61
Neutral
$37.18B12.37-10.20%1.83%8.50%-7.62%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
PL:ACP
Asseco Poland SA
245.40
158.91
183.74%
PL:ABS
PL:WPL
Wirtualna Polska Holding SA
58.70
-20.24
-25.64%
PL:VRC
Vercom SA
122.80
8.24
7.19%
PL:ASE
Asseco South Eastern Europe S.A.
72.50
24.94
52.45%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Sep 28, 2025