Solowin Holdings (SWIN) AI Stock Analysis

• Market Cap: $228.92M
• Dividend Yield: N/A
• Average Volume (3M): 539.72K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.96
• Revenue Growth: -33.99%
• EPS Growth: -121.80%
• Country: US
• Employees: 25
• Sector: Financial
• Sector Strength: 78
• Industry: Financial - Capital Markets
• EPS (TTM): -0.10
• Shares Outstanding: 49,046,060
• 10 Day Avg. Volume: 433,959
• 30 Day Avg. Volume: 539,716
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.20
• Enterprise Value/Revenue: 126.52
• Enterprise Value/Gross Profit: 422.15
• Enterprise Value/Ebitda: -35.79
• 1Y Price Target: $5.00
• Price Target Upside: 24.69% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 55 Neutral
• Price Target: $5.00 ▲(24.69% Upside)

Solowin Holdings' overall stock score is primarily impacted by its weak financial performance and poor valuation metrics. Despite strong technical momentum, the stock's overbought conditions and negative P/E ratio present significant risks. The absence of earnings call data and corporate events limits further insights.

Solowin Holdings Business Overview & Revenue Model

Company Description

Solowin Holdings, an investment holding company, provides securities brokerage, corporate finance, investment advisory, and asset management services in Hong Kong. It operates Solomon Pro, a trading platform that allows investors to trade listed securities and their derivative products listed on the Hong Kong Stock Exchange, New York Stock Exchange, Nasdaq, Shanghai Stock Exchange, and Shenzhen Stock Exchange. The company also provides Hong Kong securities trading, initial public offering subscription and placement, bond trading, fund subscription, equity custodian and agent, investment immigrant account management, enterprise employee shareholding exercise, professional investment research, and instant quotation services. In addition, it offers investment advisory services to its clients based on their financial needs and risk appetite; and issues and manages various fund products. Further, the company provides professional asset management services to financial institutions and private institutions, as well as tailored financial services to individual investors; investment banking services; financial and independent financial advisory services for unlisted and listed companies; and offshore private fund investment services. Solowin Holdings was incorporated in 2021 and is based in Tsim Sha Tsui, Hong Kong.

How the Company Makes Money

Solowin Holdings generates revenue primarily through its investment activities. The company earns money by acquiring stakes in promising startups and established companies, which appreciate in value over time. It also generates income from dividends and interest on its investments. Additionally, Solowin Holdings may realize gains by selling its equity positions in portfolio companies. The company forms strategic partnerships with industry leaders to enhance its investment portfolio and leverage growth opportunities, thereby contributing to its overall earnings.

Solowin Holdings Financial Statement Overview

Summary

Solowin Holdings is experiencing significant financial challenges, with declining revenues, negative profitability, and cash flow issues. The balance sheet shows manageable leverage, but negative equity returns and cash flow inefficiencies highlight the need for strategic improvements.

Income Statement

Solowin Holdings has experienced declining revenues over the past few years, with a significant drop in gross profit margins. The company has been operating at a loss, with negative EBIT and net income. The revenue growth rate has been negative, indicating a challenging market environment or operational inefficiencies.

Balance Sheet

The company's balance sheet shows a moderate debt-to-equity ratio, indicating manageable leverage. However, the equity ratio has been fluctuating, reflecting instability in asset management. The return on equity is negative due to consistent net losses, highlighting the need for improved profitability.

Cash Flow

Solowin Holdings has faced challenges with negative operating and free cash flows, indicating potential liquidity issues. The free cash flow growth rate has been negative, and the operating cash flow to net income ratio is unfavorable, suggesting inefficiencies in converting revenues into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	361.92K	2.87M	3.44M	4.45M	3.26M	1.18M
Gross Profit	108.47K	160.00K	-767.00K	4.45M	1.89M	829.00K
EBITDA	-1.28M	-8.41M	-4.37M	61.00K	-731.00K	-317.00K
Net Income	-1.09M	-8.54M	-4.56M	1.35M	-979.00K	-645.00K
Balance Sheet
Total Assets	12.31M	12.31M	15.40M	10.23M	9.46M	13.72M
Cash, Cash Equivalents and Short-Term Investments	3.84M	3.84M	2.14M	1.93M	977.00K	542.00K
Total Debt	1.08M	1.08M	1.07M	251.00K	98.00K	261.00K
Total Liabilities	7.58M	7.58M	6.48M	6.89M	7.46M	12.26M
Stockholders Equity	4.73M	4.73M	8.92M	3.34M	2.00M	1.46M
Cash Flow
Free Cash Flow	-147.23K	-1.17M	-5.77M	-451.00K	-5.75M	11.01M
Operating Cash Flow	-135.91K	-1.06M	-5.61M	-443.00K	-5.74M	11.05M
Investing Cash Flow	36.90K	287.00K	-1.38M	225.00K	114.00K	351.00K
Financing Cash Flow	305.50K	2.38M	6.72M	-341.00K	1.46M	-48.00K

Solowin Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4.01
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SWIN, the sentiment is Positive. The current price of 4.01 is below the 20-day moving average (MA) of 4.19, above the 50-day MA of 3.79, and above the 200-day MA of 2.27, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 50.49 is Neutral, neither overbought nor oversold. The STOCH value of 42.55 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SWIN.

Solowin Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$17.93B	11.86	10.28%	3.71%	9.75%	1.60%
GRYP	60 Neutral	$127.52M	―	173.25%	―	―	―
SWIN	55 Neutral	$228.92M	―	-125.22%	―	-33.99%	-121.80%
BTCS	47 Neutral	$200.86M	5.34	-62.90%	―	373.29%	-209.98%
GREE	44 Neutral	$19.28M	―	22.29%	―	-18.74%	39.95%
MIGI	39 Underperform	$8.44M	―	-461.16%	―	-11.36%	64.27%
ARBK	37 Underperform	$19.06M	―	242.25%	―	-13.86%	-32.19%