Loyal Solutions A/S (SE:LOYAL)
:LOYAL
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Loyal Solutions A/S
(LOYAL)
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Rating:48Neutral
Price Target:
kr5.50
▲(68.71% Upside)
Action:ReiteratedDate:04/09/26
The score is held back primarily by weak financial performance (steep revenue decline, ongoing losses, and negative equity). Technicals provide partial offset with strong trend signals, though the very high RSI indicates potential near-term overheating. Valuation cannot be strongly supported due to missing/invalid P/E and no dividend yield data.
Positive Factors
Proprietary cloud platform
Owning a cloud-based proprietary platform (LoyaltyNet®) supports recurring licensing, subscription and transaction revenue. That product-led model is scalable, enables centralized updates and integrations, and generates customer stickiness through customization and operational lock-in over the medium term.
Negative Factors
Negative equity and leverage
Negative shareholders' equity and a -0.95 debt-to-equity ratio signal elevated solvency risk and capital structure stress. This structural weakness can limit access to debt or equity financing, trigger covenant risk, and constrain long-term investment and strategic flexibility if not remedied.
Read all positive and negative factors
Positive Factors
Negative Factors
Proprietary cloud platform
Owning a cloud-based proprietary platform (LoyaltyNet®) supports recurring licensing, subscription and transaction revenue. That product-led model is scalable, enables centralized updates and integrations, and generates customer stickiness through customization and operational lock-in over the medium term.
Read all positive factors
Loyal Solutions A/S (LOYAL) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr43.70M
Dividend YieldN/A
Average Volume (3M)8.02K
Price to Earnings (P/E)―
Beta (1Y)0.20
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 A/S generates revenue primarily through licensing fees, transactional fees, and subscription services for its LoyaltyNet® platform. The company collaborates with enterprise-level clients to deliver customized loyalty solutions, ear...
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
3.90
Positive
3.59
Positive
3.22
Positive
Market Momentum
0.22
Negative
59.07
Neutral
63.83
Neutral
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 3.96, below the 50-day MA of 3.90, and above the 200-day MA of 3.22, indicating a bullish trend. The MACD of 0.22 indicates Negative momentum. The RSI at 59.07 is Neutral, neither overbought nor oversold. The STOCH value of 63.83 is Neutral, 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 | kr59.95M | 24.78 | ― | ― | ― | ― | |
48 Neutral | kr43.70M | ― | ― | ― | -4.44% | -14.29% | |
47 Neutral | kr31.05M | -3.09 | -205.97% | ― | 9.85% | 50.72% | |
44 Neutral | kr36.86M | -5.19 | ― | ― | ― | ― | |
41 Neutral | kr10.50M | -1,435.97 | -177.14% | ― | 48.57% | -22.35% |
* Services Sector Average
SE:LOYAL
Loyal Solutions A/S
4.60
-0.85
-15.60%
SE:SPOTR
AppSpotr AB
8.70
-624.91
-98.63%
SE:ZAPLOX
Zaplox AB
0.86
-0.09
-9.83%
SE:DIVIO.B
Divio Technologies AB Class B
0.10
-0.10
-51.00%
SE:FLOWS
Flowscape Technology AB
3.06
-0.13
-4.08%
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.