Loyal Solutions A/S (SE:LOYAL)
:LOYAL
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Loyal Solutions A/S
(LOYAL)
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Rating:52Neutral
Price Target:
kr5.00
▲(53.37% Upside)
Action:ReiteratedDate:02/25/26
The score is held down primarily by weak financial performance (steep revenue decline, ongoing losses, and negative equity/solvency risk). Technicals are a key offset with strong trend and positive momentum indicators. Valuation remains a secondary drag because losses make the negative P/E less supportive and no dividend yield is available.
Positive Factors
Improving free cash flow
Sustained FCF growth (+26.53%) indicates improving cash generation ability despite operating losses. Over 2-6 months this can extend runway, reduce near-term financing needs, and give management flexibility to invest in product or stabilize operations while revenue recovery is pursued.
Negative Factors
Negative equity / solvency risk
Negative shareholders' equity and a -0.95 debt/equity ratio indicate material balance sheet stress. This raises refinancing and solvency risk, limits access to non-dilutive capital, and can force distress-driven decisions that impair strategic flexibility over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving free cash flow
Sustained FCF growth (+26.53%) indicates improving cash generation ability despite operating losses. Over 2-6 months this can extend runway, reduce near-term financing needs, and give management flexibility to invest in product or stabilize operations while revenue recovery is pursued.
Read all positive factors
Loyal Solutions A/S (LOYAL) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr35.34M
Dividend YieldN/A
Average Volume (3M)8.02K
Price to Earnings (P/E)―
Beta (1Y)0.08
Revenue Growth-4.44%
EPS Growth-14.29%
CountrySE
Employees20
SectorServices
Sector StrengthN/A
IndustrySoftware - Application
Share Statistics
EPS (TTM)0.07
Shares Outstanding9,499,998
10 Day Avg. Volume7,818
30 Day Avg. Volume8,020
Financial Highlights & Ratios
PEG Ratio-0.14
Price to Book (P/B)-0.79
Price to Sales (P/S)0.57
P/FCF Ratio-5.44
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
Loyal Solutions A/S Business Overview & Revenue Model
Company Description
Loyal Solutions A/S, a SaaS company, develops, implements, and operates loyalty solutions. It serves the financial, airlines, malls, hospitality, telecom, media, technology, and security industries. The company was incorporated in 2005 and is head...
How the Company Makes Money
Loyal 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, tr...
Loyal Solutions A/S Financial Statement Overview
Summary
Income Statement
35
Negative
Balance Sheet
30
Negative
Cash Flow
40
Negative
| Breakdown | Jun 2024 | Jun 2023 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 39.12M | 40.09M | 26.89M | 18.27M | 14.59M |
| Gross Profit | 10.43M | 12.67M | 3.43M | 432.46K | 2.48M |
| EBITDA | -6.09M | -5.33M | -14.22M | -14.10M | -5.95M |
| Net Income | -10.09M | -8.68M | -17.32M | -18.48M | -9.78M |
Balance Sheet | |||||
| Total Assets | 18.66M | 18.97M | 22.21M | 22.05M | 41.19M |
| Cash, Cash Equivalents and Short-Term Investments | 4.03M | 1.84M | 7.29M | 6.32M | 26.60M |
| Total Debt | 27.07M | 18.61M | 18.19M | 8.33M | 9.53M |
| Total Liabilities | 47.14M | 37.31M | 31.89M | 14.40M | 15.73M |
| Stockholders Equity | -28.49M | -18.35M | -9.68M | 7.65M | 25.46M |
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 Flow | 6.34M | -971.85K | 9.27M | -1.87M | 31.68M |
Loyal Solutions A/S Technical Analysis
Positive
3.26
Price Trends
3.73
Negative
3.45
Positive
3.14
Positive
Market Momentum
-0.03
Positive
47.84
Neutral
>-0.01
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:LOYAL, the sentiment is Positive. The current price of 3.26 is below the 20-day moving average (MA) of 3.75, below the 50-day MA of 3.73, and above the 200-day MA of 3.14, indicating a neutral trend. The MACD of -0.03 indicates Positive momentum. The RSI at 47.84 is Neutral, neither overbought nor oversold. The STOCH value of >-0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SE:LOYAL.
Loyal Solutions A/S Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
55 Neutral | $13.29B | 17.42 | 10.03% | 0.93% | 7.13% | -12.93% | |
52 Neutral | kr35.34M | ― | ― | ― | -4.44% | -14.29% | |
52 Neutral | kr57.99M | 24.78 | ― | ― | ― | ― | |
47 Neutral | kr29.46M | -91.47 | -205.97% | ― | 9.85% | 50.72% | |
44 Neutral | kr35.14M | -5.19 | ― | ― | ― | ― | |
41 Neutral | kr8.57M | -1,435.97 | -177.14% | ― | 48.57% | -22.35% |
* Services Sector Average
SE:LOYAL
Loyal Solutions A/S
3.72
-3.18
-46.09%
SE:SPOTR
AppSpotr AB
7.05
-626.56
-98.89%
SE:ZAPLOX
Zaplox AB
0.82
-0.23
-21.90%
SE:DIVIO.B
Divio Technologies AB Class B
0.09
-0.12
-56.48%
SE:FLOWS
Flowscape Technology AB
2.96
-0.42
-12.43%
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.