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SOLOWIN HOLDINGS (SWIN) Stock Fundamental Analysis

NASDAQ:SWIN - Nasdaq - KYG827591044 - Common Stock - Currency: USD

1.29  +0.04 (+3.2%)

After market: 1.35 +0.06 (+4.65%)

Fundamental Rating

3

Overall SWIN gets a fundamental rating of 3 out of 10. We evaluated SWIN against 225 industry peers in the Capital Markets industry. The financial health of SWIN is average, but there are quite some concerns on its profitability. SWIN is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

SWIN had negative earnings in the past year.
In the past year SWIN has reported a negative cash flow from operations.
SWIN Yearly Net Income VS EBIT VS OCF VS FCFSWIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 0 5M -5M 10M

1.2 Ratios

The Return On Assets of SWIN (-82.45%) is worse than 98.63% of its industry peers.
Looking at the Return On Equity, with a value of -179.82%, SWIN is doing worse than 92.24% of the companies in the same industry.
Industry RankSector Rank
ROA -82.45%
ROE -179.82%
ROIC N/A
ROA(3y)-8.92%
ROA(5y)N/A
ROE(3y)-19.88%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
SWIN Yearly ROA, ROE, ROICSWIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 0 20 -20 40 -40

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for SWIN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
SWIN Yearly Profit, Operating, Gross MarginsSWIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 0 20 -20 -40 -60 -80 -100

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5

2. Health

2.1 Basic Checks

The number of shares outstanding for SWIN has been increased compared to 1 year ago.
SWIN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
SWIN Yearly Shares OutstandingSWIN Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 5M 10M 15M
SWIN Yearly Total Debt VS Total AssetsSWIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 5M 10M 15M

2.2 Solvency

Based on the Altman-Z score of -1.40, we must say that SWIN is in the distress zone and has some risk of bankruptcy.
SWIN has a Altman-Z score of -1.40. This is amonst the worse of the industry: SWIN underperforms 93.61% of its industry peers.
SWIN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z -1.4
ROIC/WACCN/A
WACCN/A
SWIN Yearly LT Debt VS Equity VS FCFSWIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 0 5M -5M 10M

2.3 Liquidity

SWIN has a Current Ratio of 1.51. This is a normal value and indicates that SWIN is financially healthy and should not expect problems in meeting its short term obligations.
SWIN's Current ratio of 1.51 is fine compared to the rest of the industry. SWIN outperforms 62.56% of its industry peers.
SWIN has a Quick Ratio of 1.51. This is a normal value and indicates that SWIN is financially healthy and should not expect problems in meeting its short term obligations.
SWIN has a better Quick ratio (1.51) than 62.56% of its industry peers.
Industry RankSector Rank
Current Ratio 1.51
Quick Ratio 1.51
SWIN Yearly Current Assets VS Current LiabilitesSWIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2M 4M 6M 8M 10M

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3. Growth

3.1 Past

The earnings per share for SWIN have decreased strongly by -465.19% in the last year.
SWIN shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -24.63%.
SWIN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 53.78% yearly.
EPS 1Y (TTM)-465.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-484.76%
Revenue 1Y (TTM)-24.63%
Revenue growth 3Y53.78%
Revenue growth 5YN/A
Sales Q2Q%-60.04%

3.2 Future

SWIN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 37.76% yearly.
Based on estimates for the next years, SWIN will show a quite strong growth in Revenue. The Revenue will grow by 15.75% on average per year.
EPS Next Y-65.92%
EPS Next 2Y-3.7%
EPS Next 3Y37.76%
EPS Next 5YN/A
Revenue Next Year-37.96%
Revenue Next 2Y0.15%
Revenue Next 3Y15.75%
Revenue Next 5YN/A

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
SWIN Yearly Revenue VS EstimatesSWIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 2M 4M 6M
SWIN Yearly EPS VS EstimatesSWIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 0.2 -0.2 -0.4

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for SWIN. In the last year negative earnings were reported.
Also next year SWIN is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
SWIN Price Earnings VS Forward Price EarningsSWIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SWIN Per share dataSWIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 -0.2 -0.4 -0.6

4.3 Compensation for Growth

SWIN's earnings are expected to grow with 37.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.7%
EPS Next 3Y37.76%

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0

5. Dividend

5.1 Amount

SWIN does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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SOLOWIN HOLDINGS

NASDAQ:SWIN (2/21/2025, 8:00:01 PM)

After market: 1.35 +0.06 (+4.65%)

1.29

+0.04 (+3.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.6%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap21.26M
AnalystsN/A
Price TargetN/A
Short Float %3.09%
Short Ratio0.91
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-700%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 3.98
P/FCF N/A
P/OCF N/A
P/B 3.54
P/tB 3.61
EV/EBITDA N/A
EPS(TTM)-0.72
EYN/A
EPS(NY)-0.36
Fwd EYN/A
FCF(TTM)-0.16
FCFYN/A
OCF(TTM)-0.15
OCFYN/A
SpS0.32
BVpS0.36
TBVpS0.36
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -82.45%
ROE -179.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-8.92%
ROA(5y)N/A
ROE(3y)-19.88%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.41
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 328.99%
Cap/Sales 4.25%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.51
Quick Ratio 1.51
Altman-Z -1.4
F-Score2
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)228.89%
Cap/Depr(5y)N/A
Cap/Sales(3y)1.53%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-465.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-484.76%
EPS Next Y-65.92%
EPS Next 2Y-3.7%
EPS Next 3Y37.76%
EPS Next 5YN/A
Revenue 1Y (TTM)-24.63%
Revenue growth 3Y53.78%
Revenue growth 5YN/A
Sales Q2Q%-60.04%
Revenue Next Year-37.96%
Revenue Next 2Y0.15%
Revenue Next 3Y15.75%
Revenue Next 5YN/A
EBIT growth 1Y-497.75%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y48.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y53.14%
OCF growth 3YN/A
OCF growth 5YN/A