| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 6/6 |
| Past Performance | 0/6 |
| Financial Health | 6/6 |
| Dividends | 0/6 |
ZWIPE Overview
Zwipe AS provides biometric payment cards components and wearables technology that enable consumers to authorize transactions with their fingerprints without compromising their privacy.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | kr32.70 |
| 52 Week High | kr16.00 |
| 52 Week Low | kr42.90 |
| Beta | 0.98 |
| 1 Month Change | 30.38% |
| 3 Month Change | 44.44% |
| 1 Year Change | 68.73% |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | 76.76% |
Recent News & Updates
Zwipe (OB:ZWIPE) Is In A Good Position To Deliver On Growth Plans
There's no doubt that money can be made by owning shares of unprofitable businesses. For example, biotech and mining...
Shareholder Returns
| ZWIPE | NO Electronic | NO Market | |
|---|---|---|---|
| 7D | -0.7% | 3.9% | 4.0% |
| 1Y | 68.7% | 31.3% | 25.1% |
Return vs Industry: ZWIPE exceeded the Norwegian Electronic industry which returned 32.9% over the past year.
Return vs Market: ZWIPE exceeded the Norwegian Market which returned 26.4% over the past year.
Price Volatility
| ZWIPE volatility | |
|---|---|
| ZWIPE Beta | 0.98 |
| Industry Beta | 1.23 |
| Market Beta | 1 |
Stable Share Price: ZWIPE is more volatile than 90% of Norwegian stocks over the past 3 months, typically moving +/- 12% a week.
Volatility Over Time: ZWIPE's weekly volatility (12%) has been stable over the past year, but is still higher than 75% of Norwegian stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2009 | 27 | André Løvestam | https://www.zwipe.com |
Zwipe AS provides biometric payment cards components and wearables technology that enable consumers to authorize transactions with their fingerprints without compromising their privacy. The company provides biometric payment platform, a solution for payment cards; biometric enrolment tablet for mobile registration and authentication of biometric cards by card issuers; and a wearable device for the tokenization of payment applications blended with biometrics. It operates in Norway and internationally.
Zwipe Fundamentals Summary
| ZWIPE fundamental statistics | |
|---|---|
| Market Cap | kr710.14m |
| Earnings (TTM) | -kr57.42m |
| Revenue (TTM) | kr1.79m |
395.9x
P/S Ratio-12.4x
P/E RatioIs ZWIPE overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ZWIPE income statement (TTM) | |
|---|---|
| Revenue | kr1.79m |
| Cost of Revenue | kr5.02m |
| Gross Profit | -kr3.23m |
| Expenses | kr54.19m |
| Earnings | -kr57.42m |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | -2.64 |
| Gross Margin | -179.99% |
| Net Profit Margin | -3,200.56% |
| Debt/Equity Ratio | 2.2% |
How did ZWIPE perform over the long term?
See historical performance and comparisonValuation
Is Zwipe undervalued compared to its fair value and its price relative to the market?
7.23x
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate ZWIPE's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate ZWIPE's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: ZWIPE is unprofitable, so we can't compare its PE Ratio to the European Electronic industry average.
PE vs Market: ZWIPE is unprofitable, so we can't compare its PE Ratio to the Norwegian market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate ZWIPE's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: ZWIPE is overvalued based on its PB Ratio (7.2x) compared to the NO Electronic industry average (3.9x).
Future Growth
How is Zwipe forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
103.0%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ZWIPE is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.2%).
Earnings vs Market: ZWIPE is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: ZWIPE's is expected to become profitable in the next 3 years.
Revenue vs Market: ZWIPE's revenue (81.2% per year) is forecast to grow faster than the Norwegian market (5.6% per year).
High Growth Revenue: ZWIPE's revenue (81.2% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ZWIPE's Return on Equity is forecast to be high in 3 years time (24.2%)
Past Performance
How has Zwipe performed over the past 5 years?
-8.3%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ZWIPE is currently unprofitable.
Growing Profit Margin: ZWIPE is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: ZWIPE is unprofitable, and losses have increased over the past 5 years at a rate of 8.3% per year.
Accelerating Growth: Unable to compare ZWIPE's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: ZWIPE is unprofitable, making it difficult to compare its past year earnings growth to the Electronic industry (30.6%).
Return on Equity
High ROE: ZWIPE has a negative Return on Equity (-58.49%), as it is currently unprofitable.
Financial Health
How is Zwipe's financial position?
Financial Position Analysis
Short Term Liabilities: ZWIPE's short term assets (NOK99.0M) exceed its short term liabilities (NOK9.0M).
Long Term Liabilities: ZWIPE's short term assets (NOK99.0M) exceed its long term liabilities (NOK2.1M).
Debt to Equity History and Analysis
Debt Level: ZWIPE's debt to equity ratio (2.2%) is considered satisfactory.
Reducing Debt: ZWIPE's debt to equity ratio has reduced from 2.6% to 2.2% over the past 5 years.
Balance Sheet
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: ZWIPE has sufficient cash runway for more than a year based on its current free cash flow.
Forecast Cash Runway: ZWIPE has sufficient cash runway for 1.4 years if free cash flow continues to reduce at historical rates of 8.4% each year.
Dividend
What is Zwipe current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ZWIPE's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ZWIPE's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ZWIPE's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ZWIPE's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ZWIPE's dividend in 3 years as they are not forecast to pay a notable one for the Norwegian market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
1.4yrs
Average management tenure
CEO
André Løvestam
3.5yrs
Tenure
Mr. André Løvestam serves as Chief Executive Officer of Zwipe AS since March 2018. Mr. Løvestam served as an Executive Vice President of Atea ASA. Mr. Løvestam served as President of Tomra Europe of Tomra...
Leadership Team
Experienced Management: ZWIPE's management team is not considered experienced ( 1.4 years average tenure), which suggests a new team.
Board Members
Experienced Board: ZWIPE's board of directors are not considered experienced ( 1.3 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: ZWIPE insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Zwipe AS's employee growth, exchange listings and data sources
Key Information
- Name: Zwipe AS
- Ticker: ZWIPE
- Exchange: OB
- Founded: 2009
- Industry: Electronic Equipment and Instruments
- Sector: Tech
- Market Cap: kr710.135m
- Shares outstanding: 21.72m
- Website: https://www.zwipe.com
Number of Employees
Location
- Zwipe AS
- Radhusgata 24
- Oslo
- Oslo
- 151
- Norway
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/09/27 21:23 |
| End of Day Share Price | 2021/09/27 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.