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LIVECHAT Software SA (PL:TXT)
:TXT
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LIVECHAT Software SA
(OTC:TXT)
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Rating:78Outperform
Price Target:
zł59.00
▲(15.69% Upside)
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 (TXT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
zł1.16B
Dividend Yield13.47%
Average Volume (3M)50.76K
Price to Earnings (P/E)7.7
Beta (1Y)0.88
Revenue Growth4.10%
EPS Growth-7.82%
CountryPL
Employees254
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)1.21
Shares Outstanding25,750,000
10 Day Avg. Volume60,330
30 Day Avg. Volume50,763
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)N/A
Revenue Forecast (FY)N/A
LIVECHAT Software SA Business Overview & Revenue Model
Company DescriptionLIVECHAT Software SA (TXT) is a technology company specializing in customer service solutions, primarily known for its flagship product, the LiveChat software. This platform enables businesses to engage with their customers in real-time through live chat, chatbots, and various integration options. Operating in the software as a service (SaaS) sector, LIVECHAT caters to a diverse range of industries, providing tools that enhance customer communication, support, and engagement.
How the Company Makes MoneyLIVECHAT 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 Earnings Call Summary
Earnings Call Date:Nov 27, 2025
(Q2-2026)
| Next Earnings Date:Nov 27, 2025
Earnings Call Sentiment Neutral
The call highlighted successful product launches and growth in larger customer segments, but also faced challenges with declining MRR and customer acquisition, balanced by improvements in payment volumes and positive feedback on new products.Q2-2026 Updates
Positive Updates
Successful Launch of Text App
Text App was officially launched on September 30 and supports over 700 organizations. Feedback has been very positive, with the app being used internally and by several clients.
Growing Share of Larger Customers
Customers with MRR of USD 500 or more now account for more than half of the business, indicating a positive trend towards acquiring larger clients.
Improvement in Payment Volumes
Payments received improved compared to the previous quarter, reaching USD 22.24 million, alleviating previous concerns.
Multi-Product Suite Transition
Steady growth in organizations using multiple Text products, with a year-over-year increase of 11 percentage points.
Negative Updates
Decline in MRR During Summer Quarter
MRR declined compared to the previous quarter, although it remains higher than a year ago, influenced by seasonal weakness and macroeconomic challenges.
Challenges in Customer Acquisition
Acquisition of smaller clients has not improved, and the number of smaller customers continues to decline.
High Turnover in Customer Base
Despite efforts, there is a high churn rate among customers, impacting the stability of the customer base.
Impact of Changes in Search and Market Conditions
Macroeconomic headwinds and changes in search result presentations have affected acquisition channels and customer behavior.
Company Guidance
During the Q2 2025-2026 KPI Conference Call, Text provided several key metrics and insights regarding their business operations and future plans. Despite the traditionally weaker summer quarter, Text noted a decline in Monthly Recurring Revenue (MRR) compared to the previous quarter, although it remains higher than a year ago. The company has seen positive trends in payment volumes and an increased share of larger customers with MRR above USD 500, now accounting for over half of their business. The Average Revenue Per License (ARPL) increased across all products, offsetting declines in the number of smaller customers. Text App, their new product, supports over 700 organizations and has started to gain traction, although its impact on customer acquisition is expected to take more time. The company completed a cloud migration, which, while resulting in higher costs, is considered a key investment for their infrastructure. New pricing models for Text App introduce elements of pay-per-value, reflecting evolving market standards, and recent price adjustments for LiveChat are expected to positively impact MRR for new and returning customers. Despite challenges, the feedback on Text App has been very positive, and the company remains focused on optimizing their sales funnel and nurturing customer growth.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.85
Very Positive
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.90
Very Positive
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.75
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 352.14M | 354.18M | 335.35M | 315.72M | 222.51M | 179.01M |
| Gross Profit | 269.81M | 282.31M | 271.74M | 269.38M | 190.39M | 151.10M |
| EBITDA | 190.20M | 202.01M | 198.51M | 181.67M | 129.58M | 116.90M |
| Net Income | 151.65M | 164.42M | 166.55M | 155.26M | 119.02M | 100.16M |
Balance Sheet | ||||||
| Total Assets | 256.37M | 226.71M | 210.14M | 197.33M | 137.75M | 122.32M |
| Cash, Cash Equivalents and Short-Term Investments | 103.24M | 77.70M | 84.86M | 95.82M | 55.67M | 59.23M |
| Total Debt | 0.00 | 5.01M | 1.08M | 987.00K | 1.61M | 2.34M |
| Total Liabilities | 89.17M | 90.29M | 83.45M | 22.22M | 13.24M | 14.95M |
| Stockholders Equity | 167.20M | 136.42M | 126.69M | 175.12M | 124.51M | 107.37M |
Cash Flow | ||||||
| Free Cash Flow | 130.51M | 148.70M | 147.30M | 162.32M | 98.59M | 92.71M |
| Operating Cash Flow | 161.72M | 179.49M | 177.57M | 194.78M | 115.45M | 106.49M |
| Investing Cash Flow | -31.13M | -30.79M | -30.27M | -32.46M | -16.84M | -13.79M |
| Financing Cash Flow | -155.42M | -155.86M | -158.26M | -122.17M | -102.18M | -72.15M |
LIVECHAT Software SA Technical Analysis
Negative
51.00
Price Trends
50.16
Negative
51.47
Negative
50.78
Negative
Market Momentum
-1.33
Positive
21.46
Positive
6.53
Positive
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 51 is above the 20-day moving average (MA) of 48.00, above the 50-day MA of 50.16, and above the 200-day MA of 50.78, indicating a bearish trend. The MACD of -1.33 indicates Positive momentum. The RSI at 21.46 is Positive, neither overbought nor oversold. The STOCH value of 6.53 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PL:TXT.
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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.