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TXT logo

Text S.A.WSE:TXT Stock Report

Market Cap zł1.3b
Share Price
zł49.98
My Fair Value
zł66.68
25.0% undervalued intrinsic discount
1Y-15.3%
7D-2.0%
Portfolio Value
​
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Text S.A.

WSE:TXT Stock Report

Market Cap: zł1.3b

Text (TXT) Stock Overview

Develops and distributes online text communication software for businesses worldwide. More details

TXT fundamental analysis
Snowflake Score
Valuation5/6
Future Growth1/6
Past Performance2/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 17.3% below our estimate of its fair value

Trading at good value compared to peers and industry

Analysts in good agreement that stock price will rise by 33.4%

Risk Analysis

High level of non-cash earnings

Earnings are forecast to decline by an average of 0.7% per year for the next 3 years

Dividend of 12.12% is not well covered by earnings or free cash flows


TXT Community Fair Values

Create Narrative

See what 43 others think this stock is worth. Follow their fair value or set your own to get alerts.

TXT logo
Text

AI And Cloud Integration Will Advance Enterprise Offerings Despite Challenges

Key Takeaways Native AI-powered product suite and cloud migration drive growth, cost efficiency, and expansion into new markets and customer segments. Emphasis on security, SaaS transition, and enterprise focus enhances recurring revenues, contract values, and market positioning.
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zł66.58
FV
24.9% undervalued intrinsic discount
-0.68%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
20users have followed this narrative
TXT logo
Text

Rising Compliance Costs And Free Software Will Erode Value

Key Takeaways Greater regulatory scrutiny and expanded security investments will increase operating complexity and pressure future margins as global expansion continues. Over-reliance on a legacy product and rising competition from open-source software threaten revenue growth, pricing power, and long-term profitability.
View narrative
zł56.5
FV
11.5% undervalued intrinsic discount
-1.48%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
0users have followed this narrative
TXT logo
Text

Digital Transformation And AI Will Fuel Global Expansion

Key Takeaways Rapid adoption of AI-driven, integrated suite products and robust cloud migration position Text for increased customer stickiness, premium pricing, and structural margin expansion. Global expansion and a modular, API-friendly platform unlock a significantly larger addressable market, driving sustained revenue and earnings growth through network effects and enterprise wins.
View narrative
zł85.1
FV
41.3% undervalued intrinsic discount
-0.60%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
2users have followed this narrative
View Stock Community

Text S.A. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Text
Historical stock prices
Current Share Pricezł49.98
52 Week Highzł71.50
52 Week Lowzł45.70
Beta0.37
1 Month Change-3.88%
3 Month Change-16.35%
1 Year Change-15.29%
3 Year Change-54.97%
5 Year Change-49.21%
Change since IPO170.16%

Recent News & Updates

Text's (WSE:TXT) Problems Go Beyond Weak Profit

Sep 07
Text's (WSE:TXT) Problems Go Beyond Weak Profit

Recent updates

Text's (WSE:TXT) Problems Go Beyond Weak Profit

Sep 07
Text's (WSE:TXT) Problems Go Beyond Weak Profit

A Piece Of The Puzzle Missing From Text S.A.'s (WSE:TXT) Share Price

Apr 04
A Piece Of The Puzzle Missing From Text S.A.'s (WSE:TXT) Share Price

Text's (WSE:TXT) Sluggish Earnings Might Be Just The Beginning Of Its Problems

Mar 08
Text's (WSE:TXT) Sluggish Earnings Might Be Just The Beginning Of Its Problems
User avatar

Integrating LiveChat, ChatBot, And HelpDesk Will Attract Larger US Clients

Developing a unified suite could boost cross-sell opportunities, attracting larger clients and driving revenue growth through comprehensive solutions.

Text S.A.'s (WSE:TXT) Shares Climb 26% But Its Business Is Yet to Catch Up

Dec 11
Text S.A.'s (WSE:TXT) Shares Climb 26% But Its Business Is Yet to Catch Up

Weak Statutory Earnings May Not Tell The Whole Story For Text (WSE:TXT)

Sep 06
Weak Statutory Earnings May Not Tell The Whole Story For Text (WSE:TXT)

Shareholders May Be More Conservative With Text S.A.'s (WSE:TXT) CEO Compensation For Now

Aug 16
Shareholders May Be More Conservative With Text S.A.'s (WSE:TXT) CEO Compensation For Now

Text S.A.'s (WSE:TXT) Price Is Out Of Tune With Earnings

Apr 05
Text S.A.'s (WSE:TXT) Price Is Out Of Tune With Earnings

Additional Considerations Required While Assessing Text's (WSE:TXT) Strong Earnings

Dec 22
Additional Considerations Required While Assessing Text's (WSE:TXT) Strong Earnings

Here's Why We Think Text (WSE:TXT) Is Well Worth Watching

Oct 06
Here's Why We Think Text (WSE:TXT) Is Well Worth Watching

Does This Valuation Of LiveChat Software S.A. (WSE:LVC) Imply Investors Are Overpaying?

May 13
Does This Valuation Of LiveChat Software S.A. (WSE:LVC) Imply Investors Are Overpaying?

With EPS Growth And More, LiveChat Software (WSE:LVC) Makes An Interesting Case

Mar 02
With EPS Growth And More, LiveChat Software (WSE:LVC) Makes An Interesting Case

A Look At The Intrinsic Value Of LiveChat Software S.A. (WSE:LVC)

Jan 08
A Look At The Intrinsic Value Of LiveChat Software S.A. (WSE:LVC)

LiveChat Software's (WSE:LVC) Dividend Will Be Increased To PLN1.46

Dec 04
LiveChat Software's (WSE:LVC) Dividend Will Be Increased To PLN1.46

Here's Why We Think LiveChat Software (WSE:LVC) Might Deserve Your Attention Today

Sep 10
Here's Why We Think LiveChat Software (WSE:LVC) Might Deserve Your Attention Today

LiveChat Software's (WSE:LVC) Shareholders Will Receive A Bigger Dividend Than Last Year

Aug 09
LiveChat Software's (WSE:LVC) Shareholders Will Receive A Bigger Dividend Than Last Year

LiveChat Software (WSE:LVC) Is Paying Out A Larger Dividend Than Last Year

Jul 26
LiveChat Software (WSE:LVC) Is Paying Out A Larger Dividend Than Last Year

LiveChat Software's (WSE:LVC) Shareholders Will Receive A Bigger Dividend Than Last Year

Jul 04
LiveChat Software's (WSE:LVC) Shareholders Will Receive A Bigger Dividend Than Last Year

Should You Investigate LiveChat Software S.A. (WSE:LVC) At zł91.80?

Apr 28
Should You Investigate LiveChat Software S.A. (WSE:LVC) At zł91.80?

A Look At The Intrinsic Value Of LiveChat Software S.A. (WSE:LVC)

Feb 14
A Look At The Intrinsic Value Of LiveChat Software S.A. (WSE:LVC)

Is Now The Time To Look At Buying LiveChat Software S.A. (WSE:LVC)?

Jan 10
Is Now The Time To Look At Buying LiveChat Software S.A. (WSE:LVC)?

LiveChat Software's (WSE:LVC) Upcoming Dividend Will Be Larger Than Last Year's

Nov 28
LiveChat Software's (WSE:LVC) Upcoming Dividend Will Be Larger Than Last Year's

With EPS Growth And More, LiveChat Software (WSE:LVC) Is Interesting

Nov 17
With EPS Growth And More, LiveChat Software (WSE:LVC) Is Interesting

Is LiveChat Software S.A. (WSE:LVC) Potentially Undervalued?

Jun 14
Is LiveChat Software S.A. (WSE:LVC) Potentially Undervalued?

Estimating The Fair Value Of LiveChat Software S.A. (WSE:LVC)

May 06
Estimating The Fair Value Of LiveChat Software S.A. (WSE:LVC)

Does LiveChat Software S.A. (WSE:LVC) Have A Place In Your Dividend Portfolio?

Mar 05
Does LiveChat Software S.A. (WSE:LVC) Have A Place In Your Dividend Portfolio?

Shareholder Returns

TXTPL SoftwarePL Market
7D-2.0%0.9%1.9%
1Y-15.3%73.6%31.1%

Return vs Industry: TXT underperformed the Polish Software industry which returned 70.5% over the past year.

Return vs Market: TXT underperformed the Polish Market which returned 31.3% over the past year.

Price Volatility

Is TXT's price volatile compared to industry and market?
TXT volatility
TXT Average Weekly Movement4.0%
Software Industry Average Movement4.8%
Market Average Movement4.5%
10% most volatile stocks in PL Market9.2%
10% least volatile stocks in PL Market3.0%

Stable Share Price: TXT has not had significant price volatility in the past 3 months compared to the Polish market.

Volatility Over Time: TXT's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2002n/aMariusz Cieply Warmtext.com

Text S.A. develops and distributes online text communication software for businesses worldwide. It offers LiveChat, a platform for online multichannel text communication; ChatBot, a chatbot building platform that allows the creation of conversational chatbots to handle various business scenarios; KnowledgeBase, a platform that lets companies to create knowledge bases for employees and clients; OpenWidget, a solution allowing for an easy installation of widgets on website; and HelpDesk, a solution that supports business communication with the client through various text communication channels, such as mail, live chat, etc. The company was formerly known as LiveChat Software S.A. and changed its name to Text S.A. in September 2023. The company was incorporated in 2002 and is headquartered in Wroclaw, Poland.

Text S.A. Fundamentals Summary

How do Text's earnings and revenue compare to its market cap?
TXT fundamental statistics
Market capzł1.29b
Earnings (TTM)zł151.72m
Revenue (TTM)zł352.14m
8.5x
P/E Ratio
3.7x
P/S Ratio

Is TXT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TXT income statement (TTM)
Revenuezł352.14m
Cost of Revenuezł82.32m
Gross Profitzł269.81m
Other Expenseszł118.10m
Earningszł151.72m

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

Nov 26, 2025

Earnings per share (EPS)5.89
Gross Margin76.62%
Net Profit Margin43.08%
Debt/Equity Ratio0%

How did TXT perform over the long term?

See historical performance and comparison

Dividends

12.1%
Current Dividend Yield
103%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/27 12:13
End of Day Share Price 2025/10/27 00:00
Earnings2025/06/30
Annual Earnings2025/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Text S.A. is covered by 10 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Pawel SzpigielBiuro maklerskie mBanku
Beata Szparaga-WasniewskaBiuro maklerskie mBanku
Henning EsskuchenErste Group Bank AG