LIVECHAT Software SA (TXT) AI Stock Analysis

• Market Cap: zł957.90M
• Dividend Yield: 15.51%
• Average Volume (3M): 98.93K
• Price to Earnings (P/E): 7.8
• Beta (1Y): 0.86
• Revenue Growth: 4.10%
• EPS Growth: -7.82%
• Country: PL
• Employees: 254
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): N/A
• Shares Outstanding: 25,750,000
• 10 Day Avg. Volume: 124,324
• 30 Day Avg. Volume: 98,927
• PEG Ratio: -4.24
• Price to Book (P/B): 18.31
• Price to Sales (P/S): 6.92
• P/FCF Ratio: 15.75
• 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: 78 Outperform
• Price Target: zł59.00 ▲(38.17% Upside)
• Action: Upgraded Date: 09/28/25
• Date: Action: Upgraded 09/28/25

LIVECHAT Software SA's strong valuation and financial performance are the primary drivers of its overall score. The stock's attractive P/E ratio and high dividend yield make it appealing, while its robust financial health provides a solid foundation. Technical indicators are neutral, suggesting stability but limited immediate momentum.

LIVECHAT Software SA Business Overview & Revenue Model

Company Description

Text S.A. develops and distributes communication software for businesses worldwide. It offers LiveChat, a tool that allows to communicate between Website visitor and its owner; ChatBot, which allows the creation of conversational chatbots for customer service teams that automates corporate communications; KnowledgeBase, a platform that lets companies to create knowledge bases for employees and clients; and HelpDesk, an application that enables companies to simplify team efforts for customer service via email. The company was formerly known as LiveChat Software S.A. and changed its name to Text S.A. in September 2023. The company was founded in 2002 and is based in Wroclaw, Poland.

How the Company Makes Money

LIVECHAT Software SA generates revenue primarily through subscription-based pricing models for its LiveChat software. Customers pay a monthly or annual fee based on the chosen plan, which offers varying levels of features and support. Additional revenue streams include add-ons, such as advanced reporting tools and integrations with other software platforms, as well as services like training and customer support. The company also benefits from partnerships with other software providers and platforms, enhancing its product offerings and expanding its market reach, which contributes significantly to its earnings.

LIVECHAT Software SA Financial Statement Overview

Summary

LIVECHAT Software SA shows strong financial health with high profitability, low leverage, and effective cash flow management. The company has high margins and a low debt-to-equity ratio, though revenue growth has slowed, indicating a need for strategic initiatives.

Income Statement

LIVECHAT Software SA demonstrates strong profitability with consistently high gross and net profit margins over the years. The company has maintained a robust EBIT and EBITDA margin, indicating efficient cost management. Revenue growth has been positive, although it has slowed in recent years, suggesting a need for strategic initiatives to boost growth.

Balance Sheet

The company maintains a very low debt-to-equity ratio, reflecting a conservative capital structure and low financial risk. Return on equity is exceptionally high, indicating effective use of shareholder funds to generate profits. The equity ratio is healthy, suggesting a strong financial position with a substantial portion of assets financed by equity.

Cash Flow

Operating cash flow is strong relative to net income, demonstrating good cash generation from operations. However, free cash flow growth has been negative recently, which could indicate potential challenges in sustaining cash flow levels. The free cash flow to net income ratio remains solid, reflecting efficient cash conversion.

Breakdown	TTM	Mar 2024	Jun 2023	Mar 2022	Mar 2021	Mar 2021
Income Statement
Total Revenue	338.17M	354.18M	335.35M	315.72M	222.51M	179.01M
Gross Profit	237.81M	282.31M	271.74M	269.38M	190.39M	151.10M
EBITDA	162.61M	202.01M	198.51M	181.67M	129.58M	116.90M
Net Income	124.88M	164.42M	166.55M	155.26M	119.02M	100.16M
Balance Sheet
Total Assets	196.80M	226.71M	210.14M	197.33M	137.75M	122.32M
Cash, Cash Equivalents and Short-Term Investments	53.35M	77.70M	84.86M	95.82M	55.67M	59.23M
Total Debt	7.79M	5.01M	1.08M	987.00K	1.61M	2.34M
Total Liabilities	85.89M	90.29M	83.45M	22.22M	13.24M	14.95M
Stockholders Equity	110.91M	136.42M	126.69M	175.12M	124.51M	107.37M
Cash Flow
Free Cash Flow	122.45M	148.70M	147.30M	162.32M	98.59M	92.71M
Operating Cash Flow	153.85M	179.49M	177.57M	194.78M	115.45M	106.49M
Investing Cash Flow	-31.27M	-30.79M	-30.27M	-32.46M	-16.84M	-13.79M
Financing Cash Flow	-157.23M	-155.86M	-158.26M	-122.17M	-102.18M	-72.15M

LIVECHAT Software SA Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 42.70
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:TXT, the sentiment is Negative. The current price of 42.7 is above the 20-day moving average (MA) of 38.50, above the 50-day MA of 39.55, and below the 200-day MA of 46.18, indicating a bearish trend. The MACD of -0.90 indicates Positive momentum. The RSI at 39.71 is Neutral, neither overbought nor oversold. The STOCH value of 42.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PL:TXT.

LIVECHAT Software SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TXT	78 Outperform	zł957.90M	7.84	144.88%	15.51%	4.10%	-7.82%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
CRB	―	zł6.55M	-1.85	―	―	―	―
ZRX	―	zł15.86M	-0.85	―	―	―	―
VRC	69 Neutral	zł2.46B	28.11	23.32%	1.59%	24.56%	11.43%