Paynova AB (SILEON) AI Stock Analysis

• Market Cap: kr10.54M
• Dividend Yield: N/A
• Average Volume (3M): 693.00
• Price to Earnings (P/E): ―
• Beta (1Y): -2.58
• Revenue Growth: -86.29%
• EPS Growth: 75.49%
• Country: SE
• Employees: 23
• Sector: Services
• Sector Strength: N/A
• Industry: Software - Application
• EPS (TTM): N/A
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 40 Underperform
• Price Target: kr1.50 ▲(4.17% Upside)

The score is driven primarily by weak financial performance (losses, negative margins, high leverage, and negative operating cash flow). Technical indicators also point to a bearish trend below major moving averages, while valuation support is limited due to a negative P/E and no dividend yield data.

Positive Factors

Innovative Payment Solutions

Paynova's focus on innovative payment solutions positions it well in the growing e-commerce sector, potentially driving long-term revenue growth through enhanced online shopping experiences.

Diverse Revenue Streams

Multiple revenue streams, including transaction and subscription fees, provide Paynova with a diversified income base, reducing reliance on a single source and enhancing financial stability over time.

E-commerce Growth

The ongoing expansion of e-commerce offers a strong tailwind for Paynova, as demand for seamless payment solutions increases, potentially boosting long-term revenue and market share.

Negative Factors

High Leverage

High leverage indicates significant debt levels relative to equity, which can strain financial flexibility and increase risk, especially if revenue growth remains inconsistent.

Negative Cash Flow

Negative operating cash flow suggests that Paynova is not generating sufficient cash from operations, potentially leading to liquidity challenges and reliance on external financing.

Declining Revenue

Declining revenue reflects potential market challenges or competitive pressures, which could hinder Paynova's ability to achieve sustainable growth and profitability.

Paynova AB Business Overview & Revenue Model

Company Description

Sileon AB (publ) provides SaaS platform that supports businesses in Sweden. The company offers API-based BNPL SaaS product that supports card business. The company was formerly known as Paynova AB and changed its name to Sileon AB (publ) in June 2022. The company was incorporated in 2000 and is based in Stockholm, Sweden.

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, persistent losses, high debt levels, and cash flow issues, indicating financial instability.

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	350.00K	585.00K	39.29M	48.93M	36.14M	27.79M
Gross Profit	-3.02M	11.74M	25.78M	52.77M	35.49M	30.13M
EBITDA	-21.29M	-40.19M	-40.66M	-25.37M	-24.93M	-28.07M
Net Income	-40.83M	-57.45M	-59.57M	-32.13M	-49.17M	-49.51M
Balance Sheet
Total Assets	61.09M	84.39M	184.17M	195.94M	181.62M	125.86M
Cash, Cash Equivalents and Short-Term Investments	4.29M	16.17M	15.38M	38.26M	19.54M	50.93M
Total Debt	3.26M	6.39M	107.18M	77.01M	128.09M	72.88M
Total Liabilities	42.60M	45.50M	158.01M	144.15M	161.07M	112.04M
Stockholders Equity	18.49M	38.89M	26.16M	51.79M	20.55M	13.82M
Cash Flow
Free Cash Flow	-44.51M	-45.70M	-48.05M	-33.64M	-44.04M	-46.46M
Operating Cash Flow	-41.11M	-31.31M	-20.80M	-10.74M	-31.34M	-30.78M
Investing Cash Flow	5.24M	5.65M	-27.25M	-22.90M	-12.69M	-15.68M
Financing Cash Flow	14.27M	26.45M	25.17M	52.36M	59.91M	50.12M

Paynova AB Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.44
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• 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 1.44 is below the 20-day moving average (MA) of 1.62, below the 50-day MA of 2.14, and below the 200-day MA of 3.81, indicating a bearish trend. The MACD of -0.13 indicates Negative momentum. The RSI at 47.02 is Neutral, neither overbought nor oversold. The STOCH value of 18.82 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
LITI	63 Neutral	kr274.76M	-372.75	-0.84%	―	7.86%	-189.02%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
SFL	54 Neutral	kr77.71M	-43.41	-5.80%	―	5.70%	-142.93%
SFTR	54 Neutral	kr175.23M	157.14	―	―	―	―
GREAT	45 Neutral	kr336.21M	-5.31	―	―	-69.94%	-7367.66%
SILEON	40 Underperform	kr10.54M	-0.14	-282.46%	―	-86.29%	75.49%