TXT Stock Analysis: Text S.A. | WAR
Software - Application | WAR, Poland | Market Cap: 971m PLN | 12M Return: -12.6% | PLLVTSF00010 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.01M
EPS Trend: -93.2%
Rev. Trend: -19.0%
Qual. Beats: -1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.8 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Text S.A. develops and distributes online communication and customer-support software for businesses worldwide. Its products include tools for live chat, chatbots, help-desk ticketing, knowledge bases, and website widgets.
The Poland-based company operates in the application software sector, where businesses use digital platforms to manage customer interactions and support workflows. Formerly LiveChat Software S.A., it adopted the name Text S.A. in September 2023.
- Customer growth and ARPU drive recurring subscription revenue
- USD revenue exposure makes results sensitive to złoty movements
- AI competition pressures retention, pricing, and product investment
| Net Income: 114.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.61 > 0.02 and ΔFCF/TA 10.25 > 1.0 |
| NWC/Revenue: 14.33% < 20% (prev 23.40%; Δ -9.07% < -1%) |
| CFO/TA 0.71 > 3% & CFO 168.9m > Net Income 114.7m |
| Net Debt (-89.8m) to EBITDA (150.9m): -0.60 < 3 |
| Current Ratio: 1.50 > 1.5 & < 3 |
| Outstanding Shares: last quarter (25.8m) vs 12m ago 0.0% < -2% |
| Gross Margin: 67.73% > 18% (prev 76.62%; Δ -8.89% > 0.5%) |
| Asset Turnover: 132.9% > 50% (prev 137.4%; Δ -4.48% > 0%) |
| Interest Coverage Ratio: 283.0 > 6 (EBIT TTM 123.7m / Interest Expense TTM 437k) |
| A: 0.20 (Total Current Assets 140.4m - Total Current Liabilities 93.5m) / Total Assets 236.5m |
| B: 0.26 (Retained Earnings 61.7m / Total Assets 236.5m) |
| C: 0.50 (EBIT TTM 123.7m / Avg Total Assets 246.4m) |
| D: 1.42 (Book Value of Equity 138.7m / Total Liabilities 97.8m) |
| Altman-Z'' = 7.01 = AAA |
| DSRI: 3.0 (Receivables 44.5m/3.61m, Revenue 327.5m/352.1m) |
| GMI: 1.13 (GM 76.62% / 67.73%) |
| AQI: 1.16 (AQ_t 0.38 / AQ_t-1 0.33) |
| SGI: 0.93 (Revenue 327.5m / 352.1m) |
| TATA: -0.23 (NI 114.7m - CFO 168.9m) / TA 236.5m) |
| Beneish M = -1.24 (Cap -4..+1) = D |
As of November 12, 2026, the stock is trading at PLN 37.72 with a total of 17,711 shares traded. Over the past week, the price has changed by -1.00%, over one month by -4.75%, over three months by -24.29% and over the past year by -12.62%.
Current recommended Stop Loss: 35.40 (which is 6.2% or 2.3 ATR below the current price).
Text S.A. has no consensus analysts rating.
P/E Trailing = 8.4764
P/S = 2.966
P/B = 6.9998
Revenue TTM = 327.5m PLN
EBIT TTM = 123.7m PLN
EBITDA TTM = 150.9m PLN
Long Term Debt = 3.04m PLN (estimated: total debt 4.02m - short term 981k)
Short Term Debt = 981k PLN (from shortTermDebt, last quarter)
Debt = 4.02m PLN (from shortLongTermDebtTotal, last quarter) (leases 4.02m already included)
Net Debt = -89.8m PLN (calculated: Debt 4.02m - CCE 93.9m)
Enterprise Value = 881.5m PLN (971.3m + Debt 4.02m - CCE 93.9m)
Interest Coverage Ratio = 283.0 (Ebit TTM 123.7m / Interest Expense TTM 437k)
EV/FCF = 6.09x (Enterprise Value 881.5m / FCF TTM 144.7m)
FCF Yield = 16.41% (FCF TTM 144.7m / Enterprise Value 881.5m)
FCF Margin = 44.17% (FCF TTM 144.7m / Revenue TTM 327.5m)
Net Margin = 35.02% (Net Income TTM 114.7m / Revenue TTM 327.5m)
Gross Margin = 67.73% ((Revenue TTM 327.5m - Cost of Revenue TTM 105.7m) / Revenue TTM)
Gross Margin QoQ = 69.62% (prev 67.46%)
Tobins Q-Ratio = 3.73 (Enterprise Value 881.5m / Total Assets 236.5m)
Interest Expense / Debt = 10.87% (Interest Expense 437k / Debt 4.02m)
Taxrate = 7.18% (8.88m / 123.6m)
NOPAT = 114.8m (EBIT 123.7m * (1 - 7.18%))
Current Ratio = 1.50 (Total Current Assets 140.4m / Total Current Liabilities 93.5m)
Debt / Equity = 0.03 (Debt 4.02m / totalStockholderEquity, last quarter 138.7m)
Debt / EBITDA = -0.60 (Net Debt -89.8m / EBITDA 150.9m)
Debt / FCF = -0.62 (Net Debt -89.8m / FCF TTM 144.7m)
Total Stockholder Equity = 110.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 46.54% (Net Income 114.7m / Total Assets 236.5m)
RoE = 103.8% (Net Income TTM 114.7m / Total Stockholder Equity 110.5m)
RoCE = 108.9% (EBIT 123.7m / Capital Employed (Equity 110.5m + L.T.Debt 3.04m))
RoIC = 89.95% (NOPAT 114.8m / Invested Capital 127.6m)
WACC = 8.32% (E(971.3m)/V(975.3m) * Re(8.31%) + D(4.02m)/V(975.3m) * Rd(10.87%) * (1-Tc(0.07)))
Discount Rate = 8.31% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 0.0 | Cagr: 0.0%
[DCF] Terminal Value 76.75% ; FCFF base≈139.0m ; Y1≈152.1m ; Y5≈191.2m
[DCF] Fair Price = 117.0 (EV 2.92b - Net Debt -89.8m = Equity 3.01b / Shares 25.8m; r=8.35% [WACC [floored]]; 5y FCF grow 10.83% → 2.50% )
EPS Correlation: -93.19 | EPS CAGR: -15.43% | SUE: N/A | # QB: 0
Revenue Correlation: -19.00 | Revenue CAGR: -0.54% | SUE: -2.38 | # QB: -1
EPS current Quarter (2026-09-30): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS current Year (2027-03-31): EPS=4.07 | Chg30d=-23.93% | Revisions=+0% | GrowthEPS=+24.5% | GrowthRev=+7.0%
EPS next Year (2028-03-31): EPS=4.30 | Chg30d=-11.42% | Revisions=+0% | GrowthEPS=+5.8% | GrowthRev=+2.2%
[Analyst] Revisions Ratio: +0% (up=0, down=0)