SOLOWIN HOLDINGS (SWIN) Fundamental Analysis & Valuation

NASDAQ:SWIN • KYG827591044

3.28 USD
+0.2 (+6.49%)
At close: Oct 9, 2025
3.31 USD
+0.03 (+0.91%)
After Hours: 10/9/2025, 9:42:21 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This SWIN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

Taking everything into account, SWIN scores 2 out of 10 in our fundamental rating. SWIN was compared to 242 industry peers in the Capital Markets industry. While SWIN seems to be doing ok healthwise, 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

0

1. SWIN Profitability Analysis

1.1 Basic Checks

  • In the past year SWIN has reported negative net income.
  • SWIN had a negative operating cash flow in the past year.
  • In the past 5 years SWIN reported 4 times negative net income.
  • SWIN had negative operating cash flow in 4 of the past 5 years.
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 2025 0 5M -5M 10M

1.2 Ratios

  • SWIN has a Return On Assets of -120.19%. This is amonst the worse of the industry: SWIN underperforms 97.91% of its industry peers.
  • The Return On Equity of SWIN (-312.68%) is worse than 92.05% of its industry peers.
Industry RankSector Rank
ROA -120.19%
ROE -312.68%
ROIC N/A
ROA(3y)-28.59%
ROA(5y)-20.17%
ROE(3y)-63.7%
ROE(5y)-56.92%
ROIC(3y)N/A
ROIC(5y)N/A
SWIN Yearly ROA, ROE, ROICSWIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2025 0 -50 -100 -150

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 2025 0 -100 -200 -300

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4

2. SWIN Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for SWIN has been reduced compared to 1 year ago.
  • SWIN has a worse debt/assets ratio than last year.
SWIN Yearly Shares OutstandingSWIN Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 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 2025 5M 10M 15M

2.2 Solvency

  • SWIN has an Altman-Z score of 43.70. This indicates that SWIN is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 43.70, SWIN belongs to the top of the industry, outperforming 98.33% of the companies in the same industry.
  • SWIN has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
  • SWIN has a better Debt to Equity ratio (0.09) than 79.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF N/A
Altman-Z 43.7
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 2025 0 5M -5M 10M

2.3 Liquidity

  • SWIN has a Current Ratio of 1.29. 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 Current ratio of 1.29. This is comparable to the rest of the industry: SWIN outperforms 58.16% of its industry peers.
  • SWIN has a Quick Ratio of 1.29. This is a normal value and indicates that SWIN is financially healthy and should not expect problems in meeting its short term obligations.
  • With a Quick ratio value of 1.29, SWIN perfoms like the industry average, outperforming 59.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.29
Quick Ratio 1.29
SWIN Yearly Current Assets VS Current LiabilitesSWIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. SWIN Growth Analysis

3.1 Past

  • SWIN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -300.39%.
  • Looking at the last year, SWIN shows a very negative growth in Revenue. The Revenue has decreased by -44.11% in the last year.
  • The Revenue has been decreasing by -4.73% on average over the past years.
EPS 1Y (TTM)-300.39%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-59.46%
Revenue 1Y (TTM)-44.11%
Revenue growth 3Y-4.73%
Revenue growth 5YN/A
Sales Q2Q%-34.3%

3.2 Future

  • Based on estimates for the next years, SWIN will show a very strong growth in Earnings Per Share. The EPS will grow by 53.96% on average per year.
  • SWIN is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 58.10% yearly.
EPS Next Y35.19%
EPS Next 2Y53.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year61.68%
Revenue Next 2Y58.1%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

More info and screens

Find the best growth stocksShow best growing peers

1

4. SWIN Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for SWIN. In the last year negative earnings were reported.
  • 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 10 20 30 40

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 -0.4 -0.6 -0.8

4.3 Compensation for Growth

  • SWIN's earnings are expected to grow with 53.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y53.96%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. SWIN Dividend Analysis

5.1 Amount

  • No dividends for SWIN!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

Find the best dividend stocksShow peers with best dividend

SWIN Fundamentals: All Metrics, Ratios and Statistics

SOLOWIN HOLDINGS

NASDAQ:SWIN (10/9/2025, 9:42:21 PM)

After market: 3.31 +0.03 (+0.91%)

3.28

+0.2 (+6.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)N/A
Earnings (Next)12-31
Inst Owners0.17%
Inst Owner ChangeN/A
Ins Owners40.27%
Ins Owner ChangeN/A
Market Cap614.02M
Revenue(TTM)3.87M
Net Income(TTM)-14.79M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
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 158.5
P/FCF N/A
P/OCF N/A
P/B 129.79
P/tB 132.19
EV/EBITDA N/A
EPS(TTM)-0.92
EYN/A
EPS(NY)-0.36
Fwd EYN/A
FCF(TTM)-0.01
FCFYN/A
OCF(TTM)-0.01
OCFYN/A
SpS0.02
BVpS0.03
TBVpS0.02
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -120.19%
ROE -312.68%
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)-28.59%
ROA(5y)-20.17%
ROE(3y)-63.7%
ROE(5y)-56.92%
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.31
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 116.16%
Cap/Sales 2.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.29
Quick Ratio 1.29
Altman-Z 43.7
F-Score2
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)234.28%
Cap/Depr(5y)240.57%
Cap/Sales(3y)2.69%
Cap/Sales(5y)2.41%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-300.39%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-59.46%
EPS Next Y35.19%
EPS Next 2Y53.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-44.11%
Revenue growth 3Y-4.73%
Revenue growth 5YN/A
Sales Q2Q%-34.3%
Revenue Next Year61.68%
Revenue Next 2Y58.1%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-356.98%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y79.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y81.15%
OCF growth 3YN/A
OCF growth 5YN/A

SOLOWIN HOLDINGS / SWIN FAQ

What is the fundamental rating for SWIN stock?

ChartMill assigns a fundamental rating of 2 / 10 to SWIN.


Can you provide the valuation status for SOLOWIN HOLDINGS?

ChartMill assigns a valuation rating of 1 / 10 to SOLOWIN HOLDINGS (SWIN). This can be considered as Overvalued.


How profitable is SOLOWIN HOLDINGS (SWIN) stock?

SOLOWIN HOLDINGS (SWIN) has a profitability rating of 0 / 10.