Loyal Solutions A/S (LOYAL) AI Stock Analysis

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Loyal Solutions A/S

(Nasdaq OMX AB:LOYAL)

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Rating:64Neutral

Price Target:SEK 10.50▲(8.47% Upside)

Action:reiterated

Date:10/14/26

The stock earns a moderate overall score driven by strong technical momentum and a promising pivot to operational profitability, heavily offset by severe balance sheet risks. The most significant positive factor is the company's clear turnaround, achieving positive net income and cash flow, which has fueled a robust technical uptrend. However, these positives are weighed down by a highly precarious capital structure where debt exceeds total assets. Valuation reflects a standard growth premium for a newly profitable software stock.

Positive Factors

Revenue GrowthRevenue expansion over several years indicates materially greater scale and customer activity. The return to 12.5% growth in 2026 supports continued commercial momentum, although sustaining this trajectory will be important for translating scale into durable earnings and cash generation.

Negative Factors

Negative Equity and High LeveragePersistent negative equity signals an accumulated deficit and leaves the company with limited balance-sheet resilience. Debt exceeding total assets increases refinancing and liquidity risk, while elevated leverage can restrict investment flexibility even after the return to profitability.

Loyal Solutions A/S (LOYAL) vs. iShares MSCI Sweden ETF (EWD)

Market Cap: SEK 91.96M
Dividend Yield: ―
Average Volume (3M): 2,697
Price to Earnings (P/E): 34.7
Beta (1Y): 0.26
Revenue Growth: 41.33%
EPS Growth: ―
Country: Sweden
Employees: 14
Sector: General
Sector Strength: 55
Industry: Software - Application

Loyal Solutions A/S Business Overview & Revenue Model

Company Description

Loyal Solutions A/S engages in the development, implementation, and operation of SaaS loyalty solutions based on payment/card-linked technology worldwide. It offers LoyalTfacts, a SaaS platform. The company provides solutions for loyalty, financial,...

How the Company Makes Money

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Loyal Solutions A/S Financial Statement Overview

Summary

Strong operational turnaround with positive net income and operating cash flow, counterbalanced by severe solvency risks including deep negative equity and total liabilities vastly exceeding assets.

Income Statement

75Positive

Balance Sheet

15Very Negative

Cash Flow

65Positive

Financial statement breakdown
Breakdown	TTM	Jun 2025	Jun 2024	Jun 2023	Jun 2023	Jun 2022
Income Statement
Total Revenue	53.87M	57.23M	39.12M	26.89M	40.09M	18.27M
Gross Profit	17.58M	19.92M	10.43M	3.43M	12.67M	432.46K
EBITDA	2.28M	5.03M	-6.09M	-14.22M	-5.33M	-14.10M
Net Income	-1.10M	1.78M	-10.09M	-17.32M	-8.68M	-18.48M
Balance Sheet
Total Assets	26.10M	26.16M	18.66M	22.21M	18.97M	22.05M
Cash, Cash Equivalents and Short-Term Investments	6.11M	6.12M	4.03M	7.29M	1.84M	6.32M
Total Debt	27.52M	27.57M	27.07M	18.19M	18.61M	8.33M
Total Liabilities	53.10M	53.21M	47.14M	31.89M	37.31M	14.40M
Stockholders Equity	-27.00M	-27.06M	-28.49M	-9.68M	-18.35M	7.65M
Cash Flow
Free Cash Flow	3.44M	4.05M	-4.14M	-8.40M	-4.47M	-17.70M
Operating Cash Flow	3.44M	4.49M	-2.92M	-7.44M	-3.17M	-17.24M
Investing Cash Flow	-691.41K	-503.30K	-1.23M	-852.43K	-1.31M	-1.17M
Financing Cash Flow	103.50K	-1.91M	6.34M	9.27M	-971.85K	-1.87M

Loyal Solutions A/S Technical Analysis

Technical Analysis SentimentPositive

Last Price9.68

Price Trends

50DMA9.09Positive

100DMA8.19Positive

200DMA6.50Positive

Market Momentum

MACD0.15Negative

RSI55.31Neutral

STOCH16.61Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:LOYAL, the sentiment is Positive. The current price of 9.68 is above the 20-day moving average (MA) of 9.21, above the 50-day MA of 9.09, and above the 200-day MA of 6.50, indicating a bullish trend. The MACD of 0.15 indicates Negative momentum. The RSI at 55.31 is Neutral, neither overbought nor oversold. The STOCH value of 16.61 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SE:LOYAL.

Loyal Solutions A/S Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

SE:LOYAL against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SE:UPSALE	82Outperform	SEK 454.64M	16.67	―	8.05%	11.34%	40.60%
SE:LIME	79Outperform	SEK 3.63B	29.53	32.20%	1.65%	8.57%	17.98%
SE:LOYAL	64Neutral	SEK 91.96M	34.68	―	―	41.33%	―
SE:ONEF	60Neutral	SEK 510.07M	-54.55	―	―	20.62%	85.64%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
SE:ZAPLOX	47Neutral	SEK 36.74M	14.02	332.52%	―	-10.35%	―
SE:CHECK	45Neutral	SEK 66.17M	-0.47	-193.78%	―	-22.18%	-525.80%

* General Sector Average

Performance Comparison

SE:LOYAL and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
SE:LOYAL	Loyal Solutions A/S	9.68	6.64	218.42%
SE:ZAPLOX	Zaplox AB	1.02	0.11	11.60%
SE:LIME	Lime Technologies AB	272.00	-43.15	-13.69%
SE:CHECK	Checkin.com Group AB	2.00	-3.00	-60.10%
SE:UPSALE	Upsales Technology AB	27.00	-3.06	-10.17%
SE:ONEF	Oneflow AB	18.00	-8.50	-32.08%

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: Oct 14, 2026

Loyal Solutions A/S AI Stock Analysis