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Swvl (SWVL)
NASDAQ:SWVL
US Market

Swvl (SWVL) AI Stock Analysis

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Swvl

(NASDAQ:SWVL)

Rating:48Neutral
Price Target:
$4.00
▼(-4.31%Downside)
Swvl's overall stock score reflects significant financial challenges as the most impactful factor, with high leverage and negative profitability margins. The technical analysis offers no strong directional signals, while the negative valuation further weighs down the score. The absence of earnings call data and corporate events leaves the financial performance and valuation as the dominant influences.

Swvl (SWVL) vs. SPDR S&P 500 ETF (SPY)

Swvl Business Overview & Revenue Model

Company DescriptionSwvl Holdings Corp. provides mass transit ridesharing services. It offers B2C Swvl Retail, which provides riders with a network of minibuses and other vehicles running on fixed or semi-fixed routes within cities; Swvl Travel that allows riders to book rides on long-distance intercity routes on vehicle available through the Swvl platform or through third-party services; and Swvl Business, a transport as a service enterprise product for businesses, schools, municipal transit agencies, and other customers. The company was incorporated in 2017 and is headquartered in Dubai, the United Arab Emirates.
How the Company Makes MoneySwvl generates revenue through a combination of direct consumer sales and partnerships. The company's primary revenue stream comes from charging riders for the transportation services booked through its platform. Swvl leverages a dynamic pricing model that adjusts fares based on demand, time, and distance, similar to ride-hailing services. In addition to direct consumer sales, Swvl collaborates with corporations and institutions to offer tailored transportation solutions for employees or students, which constitutes another significant source of income. The company may also engage in strategic partnerships with local governments or private enterprises to expand its network and service offerings, further enhancing its revenue potential.

Swvl Financial Statement Overview

Summary
Swvl faces significant financial challenges with negative profitability margins, high leverage, and ongoing cash flow issues. Revenue volatility and negative net income margins highlight the company's financial strain.
Income Statement
45
Neutral
Swvl's income statement shows a challenging financial period. The company has experienced significant revenue volatility, with substantial declines in total revenue by 24.67% in 2024 compared to 2023. The gross profit margin is weak, and both EBIT and net income margins are negative, highlighting ongoing profitability challenges. Despite some improvement in gross profit from earlier years, the overall trajectory suggests continued financial strain.
Balance Sheet
40
Negative
The balance sheet indicates a concerning financial position for Swvl. The debt-to-equity ratio has improved slightly, but the company still shows high leverage with negative stockholders' equity reported in past years, signaling financial instability. The equity ratio remains low, reflecting a capital structure heavily reliant on liabilities, which poses a risk to financial stability.
Cash Flow
50
Neutral
Swvl's cash flow statement reflects both challenges and minor improvements. While operating cash flow remains negative, indicating ongoing cash burn, the increase in financing cash flow suggests increased reliance on external funding. Free cash flow has shown some improvement but remains in the negative territory, reflecting operational inefficiencies and a need for stronger cash generation.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue19.80M17.21M22.85M51.49M38.35M17.31M
Gross Profit4.09M3.64M4.11M2.75M-10.58M-9.10M
EBITDA-8.49M-10.55M4.96M-94.03M-131.57M-23.50M
Net Income-4.94M-10.34M3.06M-116.50M-141.49M-29.73M
Balance Sheet
Total Assets14.07M16.37M21.90M57.46M59.34M24.76M
Cash, Cash Equivalents and Short-Term Investments1.18M4.96M2.92M1.54M19.53M10.35M
Total Debt1.32M1.21M1.66M2.34M79.65M928.58K
Total Liabilities16.20M17.05M15.98M54.83M149.08M6.35M
Stockholders Equity909.54K2.28M8.95M6.82M-89.80M18.41M
Cash Flow
Free Cash Flow-11.88M-3.57M-9.38M-119.95M-62.46M-30.76M
Operating Cash Flow-11.86M-3.57M-9.11M-117.46M-62.13M-30.55M
Investing Cash Flow9.02M583.37K8.79M-8.09M-11.15M-212.99K
Financing Cash Flow1.11M4.04M343.89K124.85M72.72M26.04M

Swvl Technical Analysis

Technical Analysis Sentiment
Negative
Last Price4.18
Price Trends
50DMA
3.97
Positive
100DMA
4.19
Negative
200DMA
4.47
Negative
Market Momentum
MACD
<0.01
Positive
RSI
46.68
Neutral
STOCH
62.97
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SWVL, the sentiment is Negative. The current price of 4.18 is below the 20-day moving average (MA) of 4.44, above the 50-day MA of 3.97, and below the 200-day MA of 4.47, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 46.68 is Neutral, neither overbought nor oversold. The STOCH value of 62.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SWVL.

Swvl Risk Analysis

Swvl disclosed 61 risk factors in its most recent earnings report. Swvl reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Swvl Peers Comparison

Overall Rating
UnderperformOutperform
Sector (49)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$34.43M140.670.75%9.18%
65
Neutral
$26.99M7.2318.26%16.60%-5.54%-27.40%
IDIDN
51
Neutral
$108.55M-4.57%5.78%54.19%
49
Neutral
C$2.90B2.14-80.91%2.95%6.62%-18.96%
48
Neutral
$44.81M-198.18%-24.70%-371.57%
$24.36M
28
Underperform
$8.05M-108.59%-85.24%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
SWVL
Swvl
4.18
-2.10
-33.44%
IDN
Intellicheck Mobilisia
5.47
1.95
55.40%
MNDO
MIND CTI
1.32
-0.34
-20.48%
NTWK
Netsol Technologies
2.94
0.28
10.53%
STEC
Santech Holdings
0.87
0.53
155.88%
CNTM
ConnectM Technology Solutions
0.23
-11.07
-97.96%
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: Jun 27, 2025