Solowin Holdings (SWIN) AI Stock Analysis

• Market Cap: $479.23M
• Dividend Yield: N/A
• Average Volume (3M): 1.32M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.87
• Revenue Growth: -33.99%
• EPS Growth: -121.80%
• Country: US
• Employees: 25
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): -0.10
• Shares Outstanding: 155,825,990
• 10 Day Avg. Volume: 868,060
• 30 Day Avg. Volume: 1,315,721
• 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: 0.10
• Enterprise Value/Revenue: 126.52
• Enterprise Value/Gross Profit: 422.15
• Enterprise Value/Ebitda: -35.79
• 1Y Price Target: $2.50
• Price Target Upside: -2.34% Downside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 1

• Rating: 40 Underperform
• Price Target: $2.50 ▼(-2.34% Downside)

Solowin Holdings is currently facing significant financial and technical challenges. The company's declining revenues, negative profitability, and cash flow issues are the most significant factors impacting its stock score. Technical analysis indicates bearish momentum, and valuation metrics are unfavorable due to negative earnings. These factors collectively suggest a high-risk investment with limited upside potential.

Solowin Holdings Business Overview & Revenue Model

Company Description

Solowin Holdings (SWIN) is a diversified investment company operating across multiple sectors including technology, real estate, and financial services. The company focuses on acquiring and managing a portfolio of high-growth potential businesses, with a strategic emphasis on innovation and sustainable development. Solowin Holdings aims to deliver long-term value to its shareholders through strategic investments and operational excellence.

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: Negative
• Last Price: 2.56
• 50DMA: Negative
• 100DMA: Negative
• 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 Negative. The current price of 2.56 is below the 20-day moving average (MA) of 3.12, below the 50-day MA of 3.65, and above the 200-day MA of 2.30, indicating a neutral trend. The MACD of -0.33 indicates Positive momentum. The RSI at 37.49 is Neutral, neither overbought nor oversold. The STOCH value of 37.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SWIN.

Solowin Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ABTC	53 Neutral	1.25B	-4.79	0.00%	―	0.00%	0.00%
BTCS	47 Neutral	229.69M	-4.10	0.00%	―	373.29%	-209.98%
GREE	41 Neutral	25.55M	-1.04	35.49%	―	-18.74%	0.00%
SWIN	40 Underperform	$479.23M	―	-125.22%	―	-33.99%	-121.80%
MIGI	39 Underperform	8.37M	-0.31	300.74%	―	-11.36%	64.27%
ARBK	37 Underperform	18.58M	-0.31	0.00%	―	-13.86%	-32.19%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%