Paynova AB (SILEON) AI Stock Analysis

• Market Cap: €23.33M
• Dividend Yield: N/A
• Average Volume (3M): 693.00
• Price to Earnings (P/E): ―
• Beta (1Y): -2.15
• Revenue Growth: -86.29%
• EPS Growth: 75.49%
• Country: SE
• Employees: 23
• Sector: Services
• Sector Strength: N/A
• Industry: Software - Application
• EPS (TTM): -3.05
• Shares Outstanding: 6,589,751
• 10 Day Avg. Volume: 400
• 30 Day Avg. Volume: 693
• PEG Ratio: 0.16
• Price to Book (P/B): 7.55
• Price to Sales (P/S): 502.00
• P/FCF Ratio: -6.43
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 38 Underperform
• Price Target: kr1.50 ▲(22.95% Upside)

The overall stock score is heavily influenced by significant financial challenges, including declining revenues and high debt levels. Technical indicators suggest bearish momentum, and the valuation is unattractive due to a negative P/E ratio and lack of dividend yield.

Positive Factors

Innovative Payment Solutions

Paynova's focus on innovative payment solutions positions it well in the growing e-commerce sector, catering to diverse merchant needs.

Diverse Revenue Streams

Multiple revenue streams from transaction fees, subscriptions, and partnerships provide resilience and potential for growth.

E-commerce Growth

As e-commerce expands, demand for seamless payment solutions rises, benefiting Paynova's business model and revenue potential.

Negative Factors

Declining Revenues

Declining revenues indicate challenges in maintaining market share and competitiveness, impacting long-term financial stability.

High Debt Levels

High debt levels can strain cash flow and limit financial flexibility, posing risks to long-term operational sustainability.

Negative Cash Flow

Negative cash flow suggests operational inefficiencies and reliance on external financing, challenging financial health.

Paynova AB Business Overview & Revenue Model

Company Description

Paynova AB (SILEON) is a Swedish fintech company that specializes in providing innovative payment solutions designed to enhance the online shopping experience. Operating primarily within the e-commerce sector, Paynova offers a range of services including payment processing, fraud prevention, and customer financing. The company's platform supports various payment methods, enabling merchants to optimize transactions and improve conversion rates, thereby catering to the diverse needs of both retailers and consumers.

How the Company Makes Money

Paynova generates revenue through transaction fees charged to merchants for using its payment processing services. Each transaction processed through its platform incurs a fee, which varies based on the payment method and transaction volume. Additionally, the company may earn revenue from subscription fees for premium services offered to merchants, such as advanced analytics and fraud detection features. Partnerships with banks and financial institutions further enhance its offerings and may provide additional revenue streams through joint marketing initiatives or referral fees. The continuous growth of e-commerce and the increasing demand for seamless payment solutions contribute significantly to Paynova's financial performance.

Paynova AB Financial Statement Overview

Summary

Paynova AB faces significant financial challenges with declining revenues and persistent losses. High debt levels and negative cash flow further exacerbate its financial instability, relying heavily on external financing.

Income Statement

The company's revenue has shown inconsistency with a recent decline from previous years. The gross profit margin is negative, indicating costs exceed revenues. Negative EBIT and EBITDA margins highlight operational inefficiencies. Net profit margins are also negative, reflecting continuous losses.

Balance Sheet

High leverage is evident with a substantial debt-to-equity ratio. The return on equity is negative, indicating poor profitability relative to shareholder investment. The equity ratio is weak, suggesting financial instability with more liabilities than equity.

Cash Flow

Operating cash flow is negative, impacting liquidity. The free cash flow to net income ratio is unfavorable, indicating cash flow issues. Financing activities are the primary source of cash, not operational success.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	6.49M	585.00K	39.29M	48.93M	36.14M	27.79M
Gross Profit	3.79M	11.74M	25.78M	52.77M	35.49M	30.13M
EBITDA	-31.07M	-40.19M	-40.66M	-25.37M	-24.93M	-28.07M
Net Income	-51.52M	-57.45M	-59.57M	-32.13M	-49.17M	-49.51M
Balance Sheet
Total Assets	63.81M	84.39M	184.17M	195.94M	181.62M	125.86M
Cash, Cash Equivalents and Short-Term Investments	1.32M	16.17M	15.38M	38.26M	19.54M	50.93M
Total Debt	21.27M	6.39M	107.18M	77.01M	128.09M	72.88M
Total Liabilities	37.05M	45.50M	158.01M	144.15M	161.07M	112.04M
Stockholders Equity	26.76M	38.89M	26.16M	51.79M	20.55M	13.82M
Cash Flow
Free Cash Flow	-53.72M	-45.70M	-48.05M	-33.64M	-44.04M	-46.46M
Operating Cash Flow	-48.51M	-31.31M	-20.80M	-10.74M	-31.34M	-30.78M
Investing Cash Flow	3.51M	5.65M	-27.25M	-22.90M	-12.69M	-15.68M
Financing Cash Flow	33.82M	26.45M	25.17M	52.36M	59.91M	50.12M

Paynova AB Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.22
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:SILEON, the sentiment is Negative. The current price of 1.22 is below the 20-day moving average (MA) of 2.31, below the 50-day MA of 2.70, and below the 200-day MA of 4.07, indicating a bearish trend. The MACD of -0.33 indicates Positive momentum. The RSI at 26.93 is Positive, neither overbought nor oversold. The STOCH value of 18.31 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SE:SILEON.

Paynova AB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SFL	68 Neutral	€116.15M	-73.39	-5.80%	―	5.70%	-142.93%
LITI	62 Neutral	€270.89M	―	-0.84%	―	7.86%	-189.02%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
GREAT	41 Neutral	kr226.99M	―	―	―	-69.94%	-7367.66%
SILEON	38 Underperform	€23.33M	-0.30	-282.46%	―	-86.29%	75.49%