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Westpay AB (SE:WPAY)
:WPAY
Sweden Market
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Westpay AB (WPAY) AI Stock Analysis

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SE:WPAY

Westpay AB

(WPAY)

Rating:58Neutral
Price Target:
kr1.50
▲(0.00% Upside)
Westpay AB's stock score is influenced by strong technical indicators indicating bullish momentum, but it is offset by poor valuation metrics and financial performance concerns, particularly high leverage and negative profitability.

Westpay AB (WPAY) vs. iShares MSCI Sweden ETF (EWD)

Westpay AB Business Overview & Revenue Model

Company DescriptionWestpay AB provides smart transaction and payment solutions in Europe, Africa, South Asia, Southeast Asia, and Nordic countries. The company offers counter-top, mobile devices, and unattended terminals for in-store and card-present transactions; online payment solutions that provide payment infrastructure for physical environments; and self-service solutions. It sells its solutions to retail, hotels and restaurants, and the retail banking sector. Westpay AB was incorporated in 1988 and is headquartered in Upplands Väsby, Sweden.
How the Company Makes MoneyWestpay AB generates revenue primarily through the sale and leasing of its payment terminals and POS systems. The company also earns income from service and maintenance contracts, which provide ongoing support and updates for its hardware and software solutions. Additionally, Westpay benefits from partnerships with banks and other financial institutions, which help to expand its market reach and customer base. Transaction fees from processed payments and integration services for third-party applications further contribute to its revenue streams.

Westpay AB Financial Statement Overview

Summary
Westpay AB shows signs of operational improvement with better gross and EBITDA margins, yet struggles with profitability and leverage. While cash flow dynamics are improving, the high debt load and negative net income remain key concerns.
Income Statement
58
Neutral
Westpay AB has demonstrated fluctuating revenue with a TTM revenue growth of 2.45%, indicating a struggle to maintain consistent sales growth. Gross profit margin improved to 60.17% in TTM from 45.14% annually, reflecting improved cost management. However, net profit margins are negative due to persistent net losses, although the net loss has decreased in TTM. The company has a negative EBIT margin, showing operational inefficiencies, but a positive EBITDA margin, indicating improving operational cash flow.
Balance Sheet
45
Neutral
The debt-to-equity ratio is high at 1.30, indicating significant leverage, which poses financial risk. Return on equity remains negative due to consistent net losses, reflecting poor shareholder returns. The equity ratio is low at 16.93%, showing limited equity buffer against liabilities. Improvements in stockholders' equity in the TTM period suggest some recovery efforts.
Cash Flow
62
Positive
Operating cash flow improved significantly in TTM, turning positive at 1.92 times net income, indicating better cash efficiency. Free cash flow remains negative, although showing improvement from previous periods. The free cash flow to net income ratio is improving, suggesting potential for future cash generation.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue69.27M67.61M61.11M70.42M53.71M52.81M
Gross Profit41.69M30.52M58.94M21.27M38.07M40.06M
EBITDA8.01M5.67M-15.61M653.00K-11.45M-10.96M
Net Income-3.25M-6.16M-27.59M-8.79M-17.10M-13.85M
Balance Sheet
Total Assets51.13M56.24M54.50M61.67M47.34M45.42M
Cash, Cash Equivalents and Short-Term Investments532.00K356.00K856.00K4.67M12.48M952.00K
Total Debt11.21M13.92M18.23M18.66M7.50M5.03M
Total Liabilities42.48M48.37M53.02M55.80M32.48M25.78M
Stockholders Equity8.66M7.87M1.48M5.88M14.65M19.64M
Cash Flow
Free Cash Flow-2.48M-9.51M-38.44M-18.98M-4.99M-10.47M
Operating Cash Flow17.79M8.63M-20.66M-2.35M2.13M-3.95M
Investing Cash Flow-17.92M-18.15M-17.78M-16.62M-7.12M-6.52M
Financing Cash Flow521.00K9.01M34.63M11.16M16.52M5.03M

Westpay AB Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1.50
Price Trends
50DMA
1.42
Positive
100DMA
1.15
Positive
200DMA
0.93
Positive
Market Momentum
MACD
<0.01
Positive
RSI
52.23
Neutral
STOCH
55.20
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:WPAY, the sentiment is Positive. The current price of 1.5 is above the 20-day moving average (MA) of 1.48, above the 50-day MA of 1.42, and above the 200-day MA of 0.93, indicating a bullish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 52.23 is Neutral, neither overbought nor oversold. The STOCH value of 55.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SE:WPAY.

Westpay AB Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
61
Neutral
$35.43B7.71-10.08%1.88%8.71%-9.18%
58
Neutral
kr148.93M
17.33%98.59%
kr1.51B
$6.36M
€84.94M39.5522.25%
€31.73M23.17-11.28%
46
Neutral
kr270.26M
23.24%55.65%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
SE:WPAY
Westpay AB
1.50
0.67
80.72%
GB:0G6X
Clavister Holding AB
4.46
3.47
350.51%
DE:7CS
Cyber Security 1 AB
DE:65R
Advenica AB
1.92
0.82
74.55%
DE:GE4B
Binero Group AB
0.23
-0.02
-8.00%
SE:FREJA
Freja eID Group AB
11.90
-0.80
-6.30%
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: Jul 19, 2025