Asseco South Eastern Europe S.A. (ASE) AI Stock Analysis

Asseco South Eastern Europe S.A.

(Warsaw:ASE)

Select Model

Rating:74Outperform

Price Target:PLN 76.00▲(3.54% Upside)

Action:initiatedcoverage

Date:09/16/25

Strong financial performance and robust, sustainable growth are the primary drivers of the above-average score. Solid valuation supports the investment case. The lack of technical momentum data limits visibility on short-term trading prospects, keeping the score below the highest tier. No recent earnings call or corporate events influence the score, emphasizing long-term fundamentals.

Positive Factors

Revenue GrowthConsistent revenue growth indicates a positive trajectory and reflects the company's ability to expand its market presence and product adoption.

Negative Factors

Declining Net Profit MarginsA declining net profit margin could indicate rising costs or pricing pressures, potentially affecting long-term profitability if not addressed.

Asseco South Eastern Europe S.A. (ASE) vs. SPDR S&P 500 ETF (SPY)

Market Cap: PLN 3.90B
Dividend Yield: 2.60%
Average Volume (3M): 5,268
Price to Earnings (P/E): 17.7
Beta (1Y): 0.53
Revenue Growth: 6.72%
EPS Growth: 15.32%
Country: PL
Employees: 3,882
Sector: Technology
Sector Strength: 61
Industry: Information Technology Services

Asseco South Eastern Europe S.A. Business Overview & Revenue Model

Company Description

Asseco South Eastern Europe S.A., together with its subsidiaries, provides software implementation, integration, and outsourcing services. The company operates through Banking Solutions, Payment Solutions, and Dedicated Solutions segments. It offers...

How the Company Makes Money

Asseco South Eastern Europe generates revenue primarily through the sale of software licenses and the provision of IT services, which include consulting, implementation, and ongoing support. Its key revenue streams consist of subscription fees from i...

Asseco South Eastern Europe S.A. Financial Statement Overview

Summary

Exceptional revenue growth (65% TTM), solid operating and net margins, low debt-to-equity, and strong return on equity position Asseco South Eastern Europe S.A. as a financially robust software company. The only caution is moderate volatility in free cash flow generation, but overall balance sheet strength and profitability remain impressive given industry norms.

Income Statement

83Very Positive

Balance Sheet

80Positive

Cash Flow

71Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.88B	1.80B	1.71B	1.64B	1.57B	1.15B
Gross Profit	565.39M	523.77M	448.52M	431.01M	393.17M	316.61M
EBITDA	423.22M	357.76M	368.49M	353.02M	335.89M	274.78M
Net Income	220.88M	198.25M	199.22M	200.36M	187.83M	149.24M
Balance Sheet
Total Assets	2.29B	2.26B	2.31B	2.12B	1.87B	1.52B
Cash, Cash Equivalents and Short-Term Investments	306.91M	312.60M	275.23M	314.23M	298.23M	230.94M
Total Debt	197.87M	220.70M	246.01M	153.43M	160.21M	139.90M
Total Liabilities	968.64M	1.03B	1.23B	992.50M	749.82M	546.17M
Stockholders Equity	1.32B	1.22B	1.08B	1.12B	1.11B	967.53M
Cash Flow
Free Cash Flow	349.35M	235.53M	105.54M	247.80M	181.43M	194.84M
Operating Cash Flow	411.81M	308.35M	194.69M	309.61M	240.58M	234.84M
Investing Cash Flow	-141.96M	-127.00M	-158.47M	-119.96M	-96.45M	-174.81M
Financing Cash Flow	-159.48M	-137.06M	-83.64M	-133.21M	-75.16M	-82.52M

Asseco South Eastern Europe S.A. Technical Analysis

Technical Analysis SentimentNegative

Last Price73.40

Price Trends

50DMA76.45Negative

100DMA71.64Positive

200DMA66.62Positive

Market Momentum

MACD0.44Negative

RSI47.87Neutral

STOCH46.02Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:ASE, the sentiment is Negative. The current price of 73.40 is below the 20-day moving average (MA) of 75.20, below the 50-day MA of 76.45, and above the 200-day MA of 66.62, indicating a neutral trend. The MACD of 0.44 indicates Negative momentum. The RSI at 47.87 is Neutral, neither overbought nor oversold. The STOCH value of 46.02 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PL:ASE.

Asseco South Eastern Europe S.A. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (61)

Financial Indicators

PL:ASE against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PL:ASE	74Outperform	PLN 3.90B	17.67	17.46%	2.60%	6.72%	15.32%
Sector *	61Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
PL:ACP	58Neutral	PLN 20.29B	13.66	18.50%	5.34%	1.52%	106.58%

* Technology Sector Average

Performance Comparison

PL:ASE and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
PL:ASE	Asseco South Eastern Europe S.A.	75.10	11.16	17.45%
PL:ACP	Asseco Poland SA	244.50	42.18	20.85%
PL:ABS	Asseco Business Solutions SA	87.00	2.54	3.01%
PL:ABE	AB Spolka Akcyjna	148.00	56.95	62.54%
PL:SGN	Sygnity S.A.	85.20	-16.80	-16.47%
PL:CBF	Cyber_Folks S.A.	189.00	6.41	3.51%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Sep 16, 2025

Asseco South Eastern Europe S.A. AI Stock Analysis