(TXT) Text S.A. - Ratings and Ratios
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TXT EPS (Earnings per Share)
TXT Revenue
Description: TXT Text S.A.
Text S.A. (WAR:TXT) is a Polish company operating in the Application Software sub-industry, with a market capitalization of approximately 1.5 billion PLN. The companys stock is characterized by a relatively low beta of 0.599, indicating lower volatility compared to the overall market.
The stocks current price is 56.60 PLN, slightly below its 20-day Simple Moving Average (SMA) of 57.87 PLN, but above its 50-day and 200-day SMAs, suggesting a potential short-term correction. The Average True Range (ATR) is 1.65 PLN, corresponding to a 2.92% daily price range, indicating moderate daily price movements.
From a fundamental perspective, Text S.A.s Price-to-Earnings (P/E) ratio is 9.12, which is relatively low, potentially indicating undervaluation. The Return on Equity (RoE) is exceptionally high at 119.09%, suggesting the company is generating significant profits relative to its equity. However, the forward P/E ratio is not available, which might be due to a lack of analyst estimates or other factors.
Key drivers for Text S.A.s stock performance may include the overall demand for application software, the companys competitive positioning within the Polish market, and broader economic trends affecting the technology sector. Important KPIs to monitor could include revenue growth, profit margins, and the companys ability to maintain its high RoE. Additionally, investors should keep an eye on the companys cash flow generation and its ability to return value to shareholders through dividends or share buybacks.
To further evaluate the investment potential of Text S.A., it would be essential to analyze its financial statements, assess the quality of its earnings, and compare its valuation multiples with those of peers in the application software industry. Moreover, understanding the companys business model, its competitive advantages, and the growth prospects of its target markets would provide a more comprehensive view of its investment attractiveness.
TXT Stock Overview
| Market Cap in USD | 387m |
| Sub-Industry | Application Software |
| IPO / Inception |
TXT Stock Ratings
| Growth Rating | -52.4% |
| Fundamental | 84.7% |
| Dividend Rating | 70.7% |
| Return 12m vs S&P 500 | -35.0% |
| Analyst Rating | - |
TXT Dividends
| Dividend Yield 12m | 5.83% |
| Yield on Cost 5y | 4.55% |
| Annual Growth 5y | 22.50% |
| Payout Consistency | 98.5% |
| Payout Ratio | 53.8% |
TXT Growth Ratios
| Growth Correlation 3m | -19.7% |
| Growth Correlation 12m | -30.9% |
| Growth Correlation 5y | -45.2% |
| CAGR 5y | -17.82% |
| CAGR/Max DD 3y | -0.27 |
| CAGR/Mean DD 3y | -0.47 |
| Sharpe Ratio 12m | -0.10 |
| Alpha | 0.10 |
| Beta | 0.657 |
| Volatility | 38.34% |
| Current Volume | 88.5k |
| Average Volume 20d | 53.3k |
| Stop Loss | 51.9 (-3.2%) |
| Signal | -0.16 |
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income (151.7m TTM) > 0 and > 6% of Revenue (6% = 21.1m TTM) |
| FCFTA 0.51 (>2.0%) and ΔFCFTA -1.74pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 23.40% (prev 28.83%; Δ -5.43pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.63 (>3.0%) and CFO 161.7m > Net Income 151.7m (YES >=105%, WARN >=100%) |
| Net Debt (-14.1m) to EBITDA (151.7m) ratio: -0.09 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.98 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (25.8m) change vs 12m ago 0.0% (target <= -2.0% for YES) |
| Gross Margin 76.62% (prev 80.98%; Δ -4.36pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 136.7% (prev 130.8%; Δ 5.98pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 7983 (EBITDA TTM 151.7m / Interest Expense TTM 19.0k) >= 6 (WARN >= 3) |
Altman Z'' 8.47
| (A) 0.32 = (Total Current Assets 166.3m - Total Current Liabilities 83.9m) / Total Assets 256.4m |
| (B) 0.38 = Retained Earnings (Balance) 98.3m / Total Assets 256.4m |
| (C) 0.59 = EBIT TTM 151.7m / Avg Total Assets 257.5m |
| (D) 1.10 = Book Value of Equity 98.3m / Total Liabilities 89.2m |
| Total Rating: 8.47 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 84.72
| 1. Piotroski 7.0pt = 2.0 |
| 2. FCF Yield 9.45% = 4.72 |
| 3. FCF Margin 37.06% = 7.50 |
| 4. Debt/Equity 0.53 = 2.36 |
| 5. Debt/Ebitda 0.59 = 2.24 |
| 6. ROIC - WACC (= 94.63)% = 12.50 |
| 7. RoE 110.9% = 2.50 |
| 8. Rev. Trend 53.93% = 4.04 |
| 9. EPS Trend -62.87% = -3.14 |
What is the price of TXT shares?
Over the past week, the price has changed by +0.28%, over one month by -5.13%, over three months by +2.99% and over the past year by -22.81%.
Is Text S.A. a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TXT is around 47.82 PLN . This means that TXT is currently overvalued and has a potential downside of -10.78%.
Is TXT a buy, sell or hold?
What are the forecasts/targets for the TXT price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 66.7 | 24.4% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 53.1 | -1% |
TXT Fundamental Data Overview
Market Cap PLN = 1.40b (1.40b PLN * 1.0 PLN.PLN)
CCE Cash And Equivalents = 103.2m PLN (Cash only, last quarter)
P/E Trailing = 9.202
P/S = 3.9634
P/B = 8.3473
Beta = 0.359
Revenue TTM = 352.1m PLN
EBIT TTM = 151.7m PLN
EBITDA TTM = 151.7m PLN
Long Term Debt = 5.31m PLN (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 83.9m PLN (from totalCurrentLiabilities, last quarter)
Debt = 89.2m PLN (Calculated: Short Term 83.9m + Long Term 5.31m)
Net Debt = -14.1m PLN (calculated as Total Debt 89.2m - CCE 103.2m)
Enterprise Value = 1.38b PLN (1.40b + Debt 89.2m - CCE 103.2m)
Interest Coverage Ratio = 7983 (Ebit TTM 151.7m / Interest Expense TTM 19.0k)
FCF Yield = 9.45% (FCF TTM 130.5m / Enterprise Value 1.38b)
FCF Margin = 37.06% (FCF TTM 130.5m / Revenue TTM 352.1m)
Net Margin = 43.07% (Net Income TTM 151.7m / Revenue TTM 352.1m)
Gross Margin = 76.62% ((Revenue TTM 352.1m - Cost of Revenue TTM 82.3m) / Revenue TTM)
Tobins Q-Ratio = 14.05 (Enterprise Value 1.38b / Book Value Of Equity 98.3m)
Interest Expense / Debt = 0.02% (Interest Expense 20.0k / Debt 89.2m)
Taxrate = 7.49% (13.3m / 177.7m)
NOPAT = 140.3m (EBIT 151.7m * (1 - 7.49%))
Current Ratio = 1.98 (Total Current Assets 166.3m / Total Current Liabilities 83.9m)
Debt / Equity = 0.53 (Debt 89.2m / last Quarter total Stockholder Equity 167.2m)
Debt / EBITDA = 0.59 (Net Debt -14.1m / EBITDA 151.7m)
Debt / FCF = 0.68 (Debt 89.2m / FCF TTM 130.5m)
Total Stockholder Equity = 136.8m (last 4 quarters mean)
RoA = 59.16% (Net Income 151.7m, Total Assets 256.4m )
RoE = 110.9% (Net Income TTM 151.7m / Total Stockholder Equity 136.8m)
RoCE = 106.7% (Ebit 151.7m / (Equity 136.8m + L.T.Debt 5.31m))
RoIC = 102.6% (NOPAT 140.3m / Invested Capital 136.8m)
WACC = 7.93% (E(1.40b)/V(1.48b) * Re(8.44%)) + (D(89.2m)/V(1.48b) * Rd(0.02%) * (1-Tc(0.07)))
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
Discount Rate = 8.44% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 77.83% ; FCFE base≈132.8m ; Y1≈141.7m ; Y5≈171.2m
Fair Price DCF = 107.9 (DCF Value 2.78b / Shares Outstanding 25.8m; 5y FCF grow 7.48% → 3.0% )
EPS Correlation: -62.87 | EPS CAGR: -8.45% | SUE: N/A | # QB: 0
Revenue Correlation: 53.93 | Revenue CAGR: 9.93% | SUE: N/A | # QB: None