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SOLOWIN HOLDINGS (SWIN) Stock Fundamental Analysis

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

1.64  -0.03 (-2.03%)

After market: 1.66 +0.02 (+1.22%)

Fundamental Rating

3

Taking everything into account, SWIN scores 3 out of 10 in our fundamental rating. SWIN was compared to 231 industry peers in the Capital Markets industry. While SWIN seems to be doing ok healthwise, there are quite some concerns on its profitability. While showing a medium growth rate, SWIN is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

SWIN had negative earnings in the past year.
SWIN had a negative operating cash flow in the past year.
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

SWIN's Return On Assets of -82.45% is on the low side compared to the rest of the industry. SWIN is outperformed by 95.67% of its industry peers.
SWIN has a Return On Equity of -179.82%. This is amonst the worse of the industry: SWIN underperforms 89.18% of its industry peers.
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

SWIN has more shares outstanding than it did 1 year ago.
There is no outstanding debt for SWIN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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

SWIN has an Altman-Z score of -0.87. This is a bad value and indicates that SWIN is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of SWIN (-0.87) is worse than 84.85% of its industry peers.
There is no outstanding debt for SWIN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z -0.87
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

A Current Ratio of 1.51 indicates that SWIN should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.51, SWIN is in the better half of the industry, outperforming 64.94% of the companies in the same industry.
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.
Looking at the Quick ratio, with a value of 1.51, SWIN is in the better half of the industry, outperforming 64.94% of the companies in the same industry.
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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5

3. Growth

3.1 Past

SWIN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -465.05%.
Looking at the last year, SWIN shows a very negative growth in Revenue. The Revenue has decreased by -24.63% in the last year.
SWIN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 53.78% yearly.
EPS 1Y (TTM)-465.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-484.59%
Revenue 1Y (TTM)-24.63%
Revenue growth 3Y53.78%
Revenue growth 5YN/A
Sales Q2Q%-60.04%

3.2 Future

The Earnings Per Share is expected to grow by 37.76% on average over the next years. This is a very strong growth
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-65.9%
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 2025 2026 2027 0 0.2 -0.2 -0.4

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1

4. Valuation

4.1 Price/Earnings Ratio

SWIN reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for SWIN. No positive earnings are expected for the next year.
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 5 10 15 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 (5/6/2025, 8:00:00 PM)

After market: 1.66 +0.02 (+1.22%)

1.64

-0.03 (-2.03%)

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 Cap27.03M
AnalystsN/A
Price TargetN/A
Short Float %6.67%
Short Ratio2.64
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)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 5.06
P/FCF N/A
P/OCF N/A
P/B 4.5
P/tB 4.59
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 -0.87
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)-465.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-484.59%
EPS Next Y-65.9%
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