Solowin Holdings (SWIN) AI Stock Analysis

• Market Cap: $25.41M
• Dividend Yield: N/A
• Average Volume (3M): 177.43K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.03
• Revenue Growth: -54.25%
• EPS Growth: -484.71%
• Country: US
• Employees: 25
• Sector: Financial
• Sector Strength: 82
• Industry: Financial - Capital Markets
• EPS (TTM): -0.10
• Shares Outstanding: 15,980,000
• 10 Day Avg. Volume: 192,858
• 30 Day Avg. Volume: 177,434
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 6.51
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Solowin Holdings faces significant challenges, primarily due to its poor financial performance with negative profitability and cash flow issues. The technical analysis indicates some potential for recovery, but the stock remains under pressure from bearish indicators. Valuation is weak due to unprofitability and the lack of dividends. Overall, these factors result in a low score, highlighting the need for the company to improve its financial health and operational efficiency.

Solowin Holdings Business Overview & Revenue Model

Company Description

Solowin Holdings (SWIN) is a diversified company operating across multiple sectors, including technology, finance, and consumer goods. The company is known for its innovative solutions and services that cater to a broad range of industries. Solowin Holdings focuses on leveraging advanced technologies to improve efficiency and drive growth in its core areas of operation.

How the Company Makes Money

Solowin Holdings generates revenue through a combination of product sales, service offerings, and strategic partnerships. Key revenue streams include the sale of proprietary software solutions, financial services such as investment management and advisory, and consumer products in various high-demand categories. The company also benefits from collaborations with other industry leaders, which enhance its market reach and product offerings. Additionally, Solowin Holdings invests in research and development to maintain a competitive edge and create new revenue opportunities.

Solowin Holdings Financial Statement Overview

Summary

Solowin Holdings is facing financial difficulties characterized by declining revenues, negative profitability, and cash flow challenges. While the balance sheet indicates some stability in terms of equity, the company needs to address its operational inefficiencies and improve cash flow management to enhance financial health.

Income Statement

Solowin Holdings has faced significant challenges in maintaining profitability, as evidenced by negative gross and net profit margins in the most recent year. The revenue growth rate is negative, indicating a contraction in sales. The EBIT and EBITDA margins are also negative, highlighting operational inefficiencies.

Balance Sheet

The company's balance sheet shows a moderate level of leverage with a debt-to-equity ratio that suggests manageable debt levels. However, the return on equity is negative due to persistent losses. The equity ratio is relatively stable, indicating a moderate reliance on equity financing.

Cash Flow

Solowin Holdings struggles with cash flow generation, as reflected in the negative operating and free cash flows. There is a significant discrepancy between operating cash flow and net income, pointing to potential issues in converting sales to cash. The free cash flow growth rate has also been negative, indicating cash flow challenges.

Breakdown
Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
3.44M	4.45M	3.26M	1.18M
	Gross Profit
-767.00K	4.45M	1.89M	829.00K
	EBIT
-4.43M	1.34M	-766.00K	-329.00K
	EBITDA
-4.37M	61.00K	-731.00K	-317.00K
	Net Income Common Stockholders
-4.56M	1.35M	-979.00K	-645.00K
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
2.14M	1.93M	977.00K	542.00K
	Total Assets
15.40M	10.23M	9.46M	13.72M
	Total Debt
1.07M	251.00K	98.00K	261.00K
	Net Debt
-1.07M	-1.67M	-879.00K	-281.00K
	Total Liabilities
6.48M	6.89M	7.46M	12.26M
	Stockholders Equity
8.92M	3.34M	2.00M	1.46M
Cash Flow		Free Cash Flow
-5.77M	-451.00K	-5.75M	11.01M
	Operating Cash Flow
-5.61M	-443.00K	-5.74M	11.05M
	Investing Cash Flow
-1.38M	225.00K	114.00K	351.00K
	Financing Cash Flow
6.72M	-341.00K	1.46M	-48.00K

Solowin Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.59
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SWIN, the sentiment is Negative. The current price of 1.59 is below the 20-day moving average (MA) of 1.64, above the 50-day MA of 1.51, and below the 200-day MA of 2.39, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 49.19 is Neutral, neither overbought nor oversold. The STOCH value of 15.41 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SWIN.

Solowin Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GS	75 Outperform	$168.80B	13.40	11.95%	2.16%	14.80%	77.97%
IBKR	74 Outperform	$69.61B	23.78	19.20%	0.61%	19.54%	22.23%
SCHW	72 Outperform	$145.07B	26.05	13.30%	1.30%	1.87%	17.63%
AMTD	71 Outperform	$1.06B	―	11.11%	―	―	―
MS	67 Neutral	$186.01B	14.52	13.16%	3.14%	7.16%	53.77%
Sector *	63 Neutral	$14.20B	10.11	9.01%	4.34%	16.34%	-11.27%
SWIN	44 Neutral	$25.41M	―	-51.05%	―	-54.25%	-484.71%