LIVECHAT Software SA (PL:TXT)
:TXT
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LIVECHAT Software SA
(TXT)
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Rating:76Outperform
Price Target:
zł61.00
▲(42.86% Upside)
Action:N/A
Date:09/14/25
The overall score of 76 for LIVECHAT Software SA is driven primarily by strong financial performance (score: 83), reflecting high profitability and a solid balance sheet, and an attractive valuation (score: 90) with a low P/E ratio and high dividend yield. The neutral technical analysis score (50) due to lack of data slightly tempers the result, but the stock appears stable and appealing for value and income investors.
LIVECHAT Software SA (TXT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
zł1.06B
Dividend Yield15.51%
Average Volume (3M)98.93K
Price to Earnings (P/E)8.5
Beta (1Y)0.85
Revenue Growth-2.96%
EPS Growth-24.58%
CountryPL
Employees254
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)4.84
Shares Outstanding25,750,000
10 Day Avg. Volume124,324
30 Day Avg. Volume98,927
Financial Highlights & Ratios
PEG Ratio-4.24
Price to Book (P/B)18.31
Price to Sales (P/S)6.92
P/FCF Ratio15.75
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)4.68
Revenue Forecast (FY)zł333.25M
LIVECHAT Software SA Business Overview & Revenue Model
Company Description
Text S.A. is a global developer and distributor of communication software solutions tailored for businesses. Their product lineup features LiveChat, enabling real-time interactions between website visitors and site owners; ChatBot, which allows co...
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 r...
LIVECHAT Software SA Earnings Call Summary
Earnings Call Date:Jun 26, 2026
(Q4-2026)
| % Change Since: |
Next Earnings Date:Aug 28, 2026
Earnings Call Sentiment Positive
The call presents a broadly constructive operational picture: cash flow and payments improved (including a >160% jump in API usage payments), multi-product adoption and higher-value customer mix increased, and AI agent metrics are strong. These positives offset a modest MRR decline (USD 50k), short-term churn risk tied to ending LiveChat grandfathering, and limited early traction for the new Text App. Management outlines concrete product, security (SOC-2) and go-to-market initiatives that should support longer-term growth, so despite near-term headwinds the tone is cautiously optimistic.Positive Updates
Strong Payments Received Momentum
Payments received increased by 0.4% year-over-year and improved by 3.1 percentage points versus the prior quarter — the highest quarterly value in the financial year and the best since Q2 FY2024-25, indicating improved cash flow despite MRR softness.
Negative Updates
MRR Decline and March Drop
MRR fell by USD 50,000 during the quarter, with the decline concentrated in March after experiments in the customer acquisition flow (redirecting leads from chatbot.com to Text App) that caused lead leakage and lower conversions.
Read all updates
Q4-2026 Updates
Positive
Negative
Strong Payments Received Momentum
Payments received increased by 0.4% year-over-year and improved by 3.1 percentage points versus the prior quarter — the highest quarterly value in the financial year and the best since Q2 FY2024-25, indicating improved cash flow despite MRR softness.
Read all positive updates
Company Guidance
Guidance from the call noted that MRR at the end of March was USD 6.93 million (a USD 50,000 decline in the quarter, with the drop concentrated in March), while payments received were the strongest of the financial year—up 0.4% year‑over‑year and +3.1% versus the prior three months—and API usage payments exceeded USD 0.25 million for the quarter (up >160% versus the previous quarter); churn rose in February–March mainly from unpaid subscriptions (partly due to ending LiveChat grandfathering effective this month), with LiveChat new‑customer prices having risen ~20% in September and management expecting short‑term churn but a materially positive net effect on recurring revenue (largest MRR impact expected this quarter); other metrics: share of customers with ARPL > USD 500 rose by 1 percentage point, multi‑product customers accounted for 38.8% of MRR (+10 pp YoY, +1.6 pp vs prior quarter), AI agent resolution rate is ~74% (vs ~59% industry average; 80–90% for fully trained agents), STS handles 0.5M chats annually with satisfaction ~82–85%, SOC‑2 work is in the observation period (direct certification costs have paid off), Text App marketing will begin in May with KPI effects expected by year‑end, infrastructure costs are stabilized (slightly lower in the prior Q4) and marketing/ACQ spend will increase but be channel‑data driven.LIVECHAT Software SA Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
90
Very Positive
Cash Flow
75
Positive
| Breakdown | TTM | Mar 2024 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2018 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 338.17M | 354.18M | 315.72M | 222.51M | 130.87M | 89.43M |
| Gross Profit | 237.81M | 282.31M | 269.38M | 190.39M | 113.41M | 75.08M |
| EBITDA | 162.61M | 202.01M | 181.67M | 129.58M | 88.48M | 62.45M |
| Net Income | 124.88M | 164.42M | 155.26M | 119.02M | 76.12M | 48.31M |
Balance Sheet | ||||||
| Total Assets | 196.80M | 226.71M | 197.33M | 137.75M | 87.63M | 48.64M |
| Cash, Cash Equivalents and Short-Term Investments | 53.35M | 77.70M | 95.82M | 55.67M | 38.68M | 30.13M |
| Total Debt | 7.79M | 5.01M | 987.00K | 1.61M | 3.07M | 0.00 |
| Total Liabilities | 85.89M | 90.29M | 22.22M | 13.24M | 8.95M | 3.41M |
| Stockholders Equity | 110.91M | 136.42M | 175.12M | 124.51M | 78.68M | 45.23M |
Cash Flow | ||||||
| Free Cash Flow | 122.45M | 148.70M | 162.32M | 98.59M | 58.33M | 42.89M |
| Operating Cash Flow | 153.85M | 179.49M | 194.78M | 115.45M | 75.82M | 48.58M |
| Investing Cash Flow | -31.27M | -30.79M | -32.46M | -16.84M | -17.47M | -5.55M |
| Financing Cash Flow | -157.23M | -155.86M | -122.17M | -102.18M | -52.29M | -47.64M |
LIVECHAT Software SA Technical Analysis
Positive
42.70
Price Trends
40.84
Positive
39.17
Positive
41.44
Negative
Market Momentum
0.17
Positive
50.91
Neutral
46.22
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:TXT, the sentiment is Positive. The current price of 42.7 is above the 20-day moving average (MA) of 41.13, above the 50-day MA of 40.84, and above the 200-day MA of 41.44, indicating a neutral trend. The MACD of 0.17 indicates Positive momentum. The RSI at 50.91 is Neutral, neither overbought nor oversold. The STOCH value of 46.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PL:TXT.
LIVECHAT Software SA Peers Comparison
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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.