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Swvl (SWVL) AI Stock Analysis
Swvl
(NASDAQ:SWVL)
The overall score is constrained by weak financial performance, primarily due to persistent operating losses and negative cash flow despite recent revenue growth. A very high P/E ratio adds valuation risk. Positive technical momentum provides some support, but the company's fundamental fragility remains the dominant factor.
Swvl Key Performance Indicators (KPIs)
Revenue by GeographyMaps revenue across the countries and regions where Swvl operates, highlighting which markets produce the most sales and which are driving growth or weighing on margins. Reveals exposure to local regulations, currency swings, and competitive pressure, helping investors assess diversification, growth runway, and regional risk.
Swvl’s numbers point to real GCC expansion but a material reporting change at Dec‑2025: prior Saudi and UAE growth disappears into a single large “Gulf Cooperation Council” line, creating a one‑time lumpiness that inflates headline growth. Egypt remains the company’s core but hasn’t regained 2023 peaks—its late‑2025 uptick could be seasonal or accounting‑driven. Investors should treat the Dec‑2025 surge cautiously, demand country‑level recurring revenue and margin disclosure, and focus on whether GCC strength is sustainable or primarily a reclassification effect.
The FlySwvl (SWVL) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $37.57M
- Dividend Yield
- ―
- Average Volume (3M)
- 1.46M
- Price to Earnings (P/E)
- -45.9
- Beta (1Y)
- 1.98
- Revenue Growth
- 56.25%
- EPS Growth
- ―
- Country
- US
- Employees
- 324
- Sector
- Industrials
- Sector Strength
- 63
- Industry
- General Transportation
Swvl Business Overview & Revenue Model
Company Description
Swvl Holdings Corp. delivers mass transit ride-sharing services, encompassing a range of solutions. Its Swvl Retail segment provides urban dwellers with access to a network of minibuses and other vehicles operating on predetermined or adaptable route...
Swvl Financial Statement Overview
Summary
Financial performance is weak. While revenue grew 40% and net margin turned positive at 5.4%, the operating margin remains deeply negative at -14.4% and cash flow from operations is still burning cash (-$2.1M). The balance sheet is lean but the equity base is small, making the overall financial health fragile.
Income Statement
35NegativeBalance Sheet
55NeutralCash Flow
20Very Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 16.22M | 24.17M | 17.21M | 22.85M | 43.00M | 25.56M |
| Gross Profit | 2.95M | 4.36M | 3.64M | 4.11M | 179.83K | -5.79M |
| EBITDA | -479.44K | 2.10M | -10.55M | 4.96M | -94.03M | -131.57M |
| Net Income | -520.18K | 1.31M | -10.34M | 3.06M | -116.50M | -141.49M |
Balance Sheet | ||||||
| Total Assets | 19.42M | 20.04M | 16.37M | 21.90M | 57.46M | 59.34M |
| Cash, Cash Equivalents and Short-Term Investments | 2.09M | 4.41M | 4.96M | 2.92M | 1.54M | 19.53M |
| Total Debt | 1.89M | 1.93M | 1.21M | 1.66M | 2.34M | 79.65M |
| Total Liabilities | 17.11M | 17.10M | 17.05M | 15.98M | 54.83M | 149.08M |
| Stockholders Equity | 5.28M | 5.92M | 2.28M | 8.95M | 6.82M | -89.80M |
Cash Flow | ||||||
| Free Cash Flow | -2.03M | -2.75M | -3.57M | -9.38M | -119.95M | -62.46M |
| Operating Cash Flow | -2.02M | -2.14M | -3.57M | -9.11M | -117.46M | -62.13M |
| Investing Cash Flow | -287.08K | 367.92K | 583.37K | 8.79M | -8.09M | -11.15M |
| Financing Cash Flow | -20.69K | 1.21M | 4.04M | 343.89K | 124.85M | 72.72M |
Swvl Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SWVL, the sentiment is Neutral. The current price of 3.77 is below the 20-day moving average (MA) of 3.80, below the 50-day MA of 4.08, and above the 200-day MA of 2.21, indicating a neutral trend. The MACD of -0.02 indicates Negative momentum. The RSI at 47.62 is Neutral, neither overbought nor oversold. The STOCH value of 57.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SWVL.
Swvl Risk Analysis
Swvl disclosed 61 risk factors in its most recent earnings report. Swvl reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksSwvl Peers Comparison
Overall Rating
NXTT46Neutral- SWVL45Neutral
RYDE40Underperform
QH39Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 63Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% |
| NXTT | 46Neutral | $7.81M | -0.00 | -60.08% | ― | 617.83% | -107.08% |
| SWVL | 45Neutral | $75.33M | -45.86 | -15.38% | ― | 56.25% | ― |
| RYDE | 40Underperform | $96.74M | -2.07 | -63.13% | ― | 34.88% | 12.77% |
| QH | 39Underperform | $8.17M | -0.14 | -32.89% | ― | -16.91% | 89.29% |
* Industrials Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| SWVL | Swvl Inc. | 3.77 | 0.75 | 24.83% | |
| QH | Quhuo Ltd. | 2.97 | -26.79 | -90.02% | |
| AUUD | Auddia Inc. | 0.80 | -9.13 | -91.95% | |
| NXTT | Next Technology Holding Inc. | 5.30 | -1650.70 | -99.68% | |
| RYDE | Ryde Group Limited Class A | 0.57 | 0.11 | 23.38% |
Swvl Corporate Events
Swvl Reports 59% H1 2026 Revenue Surge and Strong GCC Growth
On October 8, 2026, Swvl filed a Form 6-K reporting unaudited interim condensed consolidated financial statements and related materials for the six months ended June 30, 2026. The company disclosed that first-half 2026 revenue rose 59% year-on-year t...
Swvl Launches 24/7 Madinah Hotel Shuttle, Deepens Push Into Saudi Pilgrimage Transport
On September 22, 2026, Swvl announced its entry into Madinah in Saudi Arabia with the launch of a 24/7 shuttle service connecting seven hotels to Al-Masjid an-Nabawi and other major city sites. The dedicated shuttle network leverages Swvl’s rou...
Swvl Closes September 2026 Private Placements with Institutional Investors
In late August 2026, Swvl Holdings Corp entered into private placement agreements with Coefficient SWVL Holdings, HITE Hedge Asset Management and Sofico Holdings Limited to sell Class A ordinary shares at prices around $1.45 per share, strengthening...
Swvl Doubles HSBC Working Capital Facility and Adopts Global Payment Solutions After Egypt Growth
On September 8, 2026, Swvl announced that HSBC increased its working capital facility limit by 110% to $1.4 million, more than doubling the capacity of a line originally established in November 2024. The facility, anchored in Egypt, will fund working...
Swvl Taps Zelo for First UAE Working Capital Facility to Fuel Fast-Growing Market
On September 1, 2026, Swvl announced it has secured its first working capital facility in the UAE with financing platform Zelo, providing dedicated liquidity to fund and accelerate new enterprise accounts in its fastest-growing market. Since relaunch...
Swvl Secures $14.5 Million Strategic Private Placements to Fuel U.S. Expansion
On August 24–25, 2026, Swvl entered into a series of private placement agreements with Coefficient SWVL Holdings, HITE Hedge Asset Management and Sofico Holdings Limited to issue a total of more than 10 million Class A ordinary shares. These tr...
Swvl Secures $13 Million Strategic Investment to Fund U.S. Expansion and Growth
On August 25, 2026, Swvl Holdings Corp announced it had entered a definitive agreement for a $13 million private placement, priced at-the-market under Nasdaq rules and led by Houston-based Coefficient LP, which is backed by Egypt’s Sawiris fami...
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 17, 2026