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Loyal Solutions A/S (SE:LOYAL)
:LOYAL
Sweden Market
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Loyal Solutions A/S (LOYAL) AI Stock Analysis

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SE:LOYAL

Loyal Solutions A/S

(LOYAL)

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Neutral 46 (OpenAI - 4o)
Rating:46Neutral
Price Target:
kr3.00
▼(-1.32% Downside)
The overall stock score reflects significant financial challenges, with declining revenues and high leverage being the most impactful factors. While technical indicators show some neutral to mild bullish signals, the negative valuation metrics further weigh down the score.

Loyal Solutions A/S (LOYAL) vs. iShares MSCI Sweden ETF (EWD)

Loyal Solutions A/S Business Overview & Revenue Model

Company DescriptionLoyal Solutions A/S (LOYAL) is a technology-driven company specializing in loyalty program management and customer engagement solutions. Operating primarily in the digital marketing and customer relationship management sectors, Loyal Solutions provides innovative platforms that enable businesses to create, manage, and optimize loyalty programs. Their core offerings include software solutions for customer rewards, analytics tools for consumer behavior insights, and mobile applications that enhance user experience and engagement.
How the Company Makes MoneyLoyal Solutions generates revenue through a subscription-based model, charging businesses for access to their loyalty program management software and analytics tools. Key revenue streams include monthly or annual subscription fees from clients, transaction fees for each customer engagement within loyalty programs, and consulting services for program implementation and optimization. Additionally, the company may benefit from strategic partnerships with marketing agencies and retail businesses, providing them with tailored solutions that drive customer retention and increase sales, thus contributing to its overall earnings.

Loyal Solutions A/S Financial Statement Overview

Summary
Loyal Solutions A/S has shown strong revenue growth but remains unprofitable with negative EBIT and net income margins. The balance sheet indicates high leverage risk with negative equity, and cash flow analysis reveals liquidity issues with negative free cash flow and reliance on external financing.
Income Statement
35
Negative
Loyal Solutions A/S has shown significant revenue growth, increasing from over 10 million in 2020 to approximately 40 million in 2024. However, despite the top-line growth, the company remains unprofitable, with negative EBIT and net income margins throughout the period, indicating challenges in cost management and operational efficiency.
Balance Sheet
30
Negative
The balance sheet reveals a concerning financial structure with negative stockholders' equity, suggesting liabilities exceed assets. The debt-to-equity ratio is not calculable due to negative equity, but high liabilities relative to assets indicate leverage risk. The company's financial stability appears weak, posing potential solvency issues.
Cash Flow
40
Negative
Cash flow analysis shows consistent negative free cash flow, though there is a slight improvement in operating cash flow in the latest period. The cash flow to net income ratios indicate cash flow challenges relative to net income losses, highlighting liquidity concerns. The reliance on financing activities in some years underscores the need for external funds to sustain operations.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue39.12M40.09M26.89M18.27M14.59M
Gross Profit10.43M12.67M3.43M432.46K2.48M
EBITDA-6.09M-5.33M-14.22M-14.50M-5.95M
Net Income-10.09M-8.68M-17.32M-18.48M-9.78M
Balance Sheet
Total Assets18.66M18.97M22.21M22.05M41.19M
Cash, Cash Equivalents and Short-Term Investments4.03M1.84M7.29M6.32M26.60M
Total Debt27.07M18.61M18.19M8.33M9.53M
Total Liabilities47.14M37.31M31.89M14.40M15.73M
Stockholders Equity-28.49M-18.35M-9.68M7.65M25.46M
Cash Flow
Free Cash Flow-4.14M-4.47M-8.40M-17.70M-9.34M
Operating Cash Flow-2.92M-3.17M-7.44M-17.24M-7.42M
Investing Cash Flow-1.23M-1.31M-852.43K-1.17M-2.10M
Financing Cash Flow6.34M-971.85K9.27M-1.87M31.68M

Loyal Solutions A/S Technical Analysis

Technical Analysis Sentiment
Negative
Last Price3.04
Price Trends
50DMA
2.82
Positive
100DMA
2.82
Positive
200DMA
4.75
Negative
Market Momentum
MACD
0.08
Positive
RSI
51.98
Neutral
STOCH
24.22
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:LOYAL, the sentiment is Negative. The current price of 3.04 is below the 20-day moving average (MA) of 3.06, above the 50-day MA of 2.82, and below the 200-day MA of 4.75, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 51.98 is Neutral, neither overbought nor oversold. The STOCH value of 24.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SE:LOYAL.

Loyal Solutions A/S Peers Comparison

Overall Rating
UnderperformOutperform
Sector (55)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
55
Neutral
$13.29B17.4210.03%0.93%7.13%-12.93%
49
Neutral
kr30.69M-257.50%16.19%48.78%
46
Neutral
kr28.88M-4.44%-14.29%
40
Underperform
kr15.45M-152.04%-5.18%62.80%
40
Underperform
kr18.45M-282.46%-86.29%75.49%
* Services Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
SE:LOYAL
Loyal Solutions A/S
3.04
-5.96
-66.22%
SE:SPOTR
AppSpotr AB
12.80
-28.73
-69.18%
SE:ZAPLOX
Zaplox AB
0.85
-0.51
-37.35%
SE:DIVIO.B
Divio Technologies AB Class B
0.13
-0.02
-16.45%
SE:SILEON
Paynova AB
2.90
-11.10
-79.29%
SE:FLOWS
Flowscape Technology AB
3.11
0.77
32.91%
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: Oct 18, 2025