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TXT

Text S.A.WSE:TXT Stock Report

Market Cap zł943.0m
Share Price
zł36.62
n/a
1Y-32.9%
7D1.7%
Portfolio Value
​
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Text S.A.

WSE:TXT Stock Report

Market Cap: zł943.0m

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 Performance3/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 47.2% below our estimate of its fair value

Trading at good value compared to peers and industry

Risk Analysis

Dividend of 15.16% is not well covered by free cash flows


TXT Community Fair Values

Create Narrative

See what 44 others think this stock is worth. Follow their fair value or set your own to get alerts.

TXT
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
35.2% undervalued intrinsic discount
-1.48%
Revenue growth p.a.
20
users have viewed this narrative
0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
TXT
Text

An emerging opportunity

A company that offers much more robust solutions to customer support than other freemium makers, which just don't have the necessary features for a growing organisation, like Ikea. We own a few shares of them as a company, and we like the fact that they are focusing very much on Engliush-speaking nations, and constantly evolving, like implementing their marketplace feature, which will foster a bigger amount of people around their products, and their own LLMs, which make them indepenendt from the likes of Google or Meta.
View narrative
zł100.47
FV
63.6% undervalued intrinsic discount
10.00%
Revenue growth p.a.
24
users have viewed this narrative
0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
TXT
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.
View narrative
zł66.58
FV
45.0% undervalued intrinsic discount
-0.68%
Revenue growth p.a.
233
users have viewed this narrative
0users have liked this narrative
0users have commented on this narrative
22users have followed this narrative
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Key Takeaways ZenaTech is focusing its efforts into building AI drones, combining Drone as a Service, SaaS, and AI as its key revenue drivers. Previously building software for agriculture, ZenaTech has shifted rapidly toward drone services, now driving ~70% of revenue after recent acquisitions.Read more

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36
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US$6.85
66.0% undervalued intrinsic discount
Fair Value
Profit Margin
20.14%
Future PE
22x
Price in 2031
US$11.03

Text S.A. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Text
Historical stock prices
Current Share Pricezł36.62
52 Week Highzł62.25
52 Week Lowzł35.50
Beta0.30
1 Month Change-6.10%
3 Month Change-2.86%
1 Year Change-32.93%
3 Year Change-74.74%
5 Year Change-69.23%
Change since IPO97.95%

Recent News & Updates

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

Shareholder Returns

TXTPL SoftwarePL Market
7D1.7%-2.4%0.1%
1Y-32.9%11.9%17.8%

Return vs Industry: TXT underperformed the Polish Software industry which returned 12.1% over the past year.

Return vs Market: TXT underperformed the Polish Market which returned 18.6% 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 Movement7.4%
Market Average Movement5.0%
10% most volatile stocks in PL Market11.3%
10% least volatile stocks in PL Market3.4%

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 Warmwww.text.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. Text S.A. 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 capzł942.97m
Earnings (TTM)zł124.88m
Revenue (TTM)zł338.17m
7.6x
P/E Ratio
2.8x
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)
Revenuezł338.17m
Cost of Revenuezł100.36m
Gross Profitzł237.82m
Other Expenseszł112.94m
Earningszł124.88m

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)4.85
Gross Margin70.32%
Net Profit Margin36.93%
Debt/Equity Ratio0%

How did TXT perform over the long term?

See historical performance and comparison

Dividends

15.2%
Current Dividend Yield
60%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/03/19 03:07
End of Day Share Price 2026/03/19 00:00
Earnings2025/12/31
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 9 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

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