-1.84%
-1.03%
-3.81%
-2.83%
-10.45%
0.84%
93.55%
AI Spotlight on ASE
Company Description
Asseco South Eastern Europe S.A., together with its subsidiaries, engages in the sale of its own and third-party software.The company operates through Banking Solutions, Payment Solutions, and Dedicated Solutions segments.It offers banking solutions, including omnichannel solutions; integrated core banking systems; authentication security solutions; reporting systems for regulatory compliance and managerial information; and risk management and anti-fraud systems, as well as provides consultancy services in the area of digital and electronic banking, and digital transformation.
The company also provides payment industry solutions for financial and non-financial institutions, including e-commerce, mobile payments, payment card processing, as well as ATM and POS terminal related services.In addition, it provides services to utilities, telecommunications, government, banking, and finance sectors, including business process management, customer service and sales support platform, data registers, smart city, AI and Machine Learning, e-Tax, border control, authentication, dedicated solutions, and BI and ERP.Further, the company offers proprietary solutions and integration services; LeaseFlex, a lease and asset lifecycle management solution; and FinanceFlex.
It serves in Central Europe, South Eastern Europe, Iberian Peninsula, Turkey, Colombia, Peru, and the Dominican Republic.The company was incorporated in 2007 and is headquartered in Warsaw, Poland.Asseco South Eastern Europe S.A. operates as a subsidiary of Asseco International a.s.
Market Data
| Last Price | 48 |
| Change Percentage | -1.84% |
| Open | 48.1 |
| Previous Close | 48.9 |
| Market Cap ( Millions) | 2491 |
| Volume | 7204 |
| Year High | 56.8 |
| Year Low | 46.2 |
| M A 50 | 48.89 |
| M A 200 | 49.7 |
Financial Ratios
| FCF Yield | 5.79% |
| Dividend Yield | 3.44% |
| ROE | 17.14% |
| Debt / Equity | 26.03% |
| Net Debt / EBIDTA | 16.89% |
| Price To Book | 2.49 |
| Price Earnings Ratio | 13.33 |
| Price To FCF | 17.28 |
| Price To sales | 1.47 |
| EV / EBITDA | 7.29 |
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Payment Solutions
Expected Growth : 9 %
What the company do ?
Payment Solutions from Asseco South Eastern Europe S.A. provide secure and efficient payment processing for businesses, enabling seamless transactions and revenue growth.
Why we expect these perspectives ?
Asseco South Eastern Europe S.A.'s 9% growth in Payment Solutions is driven by increasing adoption of digital payments, growing e-commerce, and rising demand for secure and efficient transaction processing. Additionally, the company's expansion into new markets, strategic partnerships, and investments in innovative technologies such as blockchain and AI also contribute to its growth.
Segment n°2 -> Dedicated Solutions
Expected Growth : 7 %
What the company do ?
Dedicated Solutions from Asseco South Eastern Europe S.A. provide customized IT solutions tailored to specific business needs, ensuring efficient and effective operations.
Why we expect these perspectives ?
Asseco South Eastern Europe S.A.'s Dedicated Solutions segment growth is driven by increasing demand for customized IT solutions, expansion into new markets, strategic partnerships, and investments in digital transformation. Additionally, the company's strong presence in the region, combined with its expertise in industries such as healthcare and finance, contributes to its 7% growth.
Segment n°3 -> Banking Solutions
Expected Growth : 8 %
What the company do ?
Asseco South Eastern Europe S.A. offers comprehensive banking solutions for digital transformation, core banking, and payment systems, supporting financial institutions in the region.
Why we expect these perspectives ?
Asseco South Eastern Europe S.A.'s 8% growth in Banking Solutions is driven by increasing demand for digital transformation, regulatory compliance, and cost reduction in the banking sector. Additionally, the company's strong presence in emerging markets, innovative product offerings, and strategic partnerships contribute to its growth momentum.
Segment n°4 -> Reconciling Items
Expected Growth : 6 %
What the company do ?
Reconciling Items from Asseco South Eastern Europe S.A. refers to the process of identifying and resolving discrepancies between financial records and actual transactions.
Why we expect these perspectives ?
Asseco South Eastern Europe S.A.'s 6% growth is driven by increasing demand for digital transformation in the region, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on innovation, cost optimization, and strong partnerships with key clients have contributed to its growth momentum.
Asseco South Eastern Europe S.A. Products
| Product Range | What is it ? |
|---|---|
| Asseco SEE Banking Platform | A comprehensive banking system that provides a wide range of functionalities for retail and corporate banking, including account management, payment processing, and loan management. |
| Asseco SEE Insurance Platform | A modular insurance system that supports the entire insurance lifecycle, from policy administration to claims management. |
| Asseco SEE ERP System | A comprehensive enterprise resource planning system that integrates all aspects of business operations, including financial management, supply chain management, and human capital management. |
| Asseco SEE Healthcare Information System | A healthcare information system that provides a comprehensive solution for healthcare providers, including electronic health records, medical billing, and practice management. |
| Asseco SEE Document Management System | A document management system that provides a centralized repository for storing, managing, and retrieving electronic documents. |
| Asseco SEE IT Consulting Services | A range of IT consulting services that provide expertise in IT strategy, system integration, and technology implementation. |
Asseco South Eastern Europe S.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Asseco South Eastern Europe S.A. is medium due to the presence of alternative software solutions in the market.
Bargaining Power Of Customers
The bargaining power of customers is low due to the company's strong market position and diversified customer base.
Bargaining Power Of Suppliers
The bargaining power of suppliers is medium due to the presence of multiple suppliers in the market, but the company's large scale of operations gives it some negotiating power.
Threat Of New Entrants
The threat of new entrants is high due to the growing demand for software solutions and the relatively low barriers to entry in the industry.
Intensity Of Rivalry
The intensity of rivalry is high due to the presence of several established players in the market, leading to a competitive landscape.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 12.09% |
| Debt Cost | 5.70% |
| Equity Weight | 87.91% |
| Equity Cost | 5.71% |
| WACC | 5.71% |
| Leverage | 13.75% |
Asseco South Eastern Europe S.A. : Quality Control
Asseco South Eastern Europe S.A. passed 7 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| MNDO | MIND C.T.I. Ltd., together with its subsidiaries, designs, develops, markets, supports, implements, and operates billing and customer care systems in the Americas, Europe, Israel, the Asia Pacific, and Africa. It … |
| LIN.PA | Linedata Services S.A. engages in development and distribution of financial software in Southern Europe, Northern Europe, North America, and Asia. The company operates through Asset Management, Lending & Leasing, and … |
| TXT.WA | Text S.A. develops and distributes communication software for businesses worldwide. It offers LiveChat, a tool that allows to communicate between Website visitor and its owner; ChatBot, which allows the creation … |
| ABS.WA | Asseco Business Solutions S.A. designs and develops enterprise software solutions in Poland and internationally. The company offers ERP systems comprising softlab erp, macrologic erp, and wapro erp for business management … |
| SWP.PA | Sword Group S.E. provides IT services and software in Europe, the United States, the Oceania, and Asia. Its products include Sword GRC, a governance, compliance, and enterprise risk management solution; … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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MIND C.T.I.
A-Score
1-Year Total Return ->
🥈
Asseco Business Solutions
A-Score
1-Year Total Return ->
🥉
Sword
A-Score
1-Year Total Return ->
4
Linedata Services
A-Score
1-Year Total Return ->
5
Asseco SEE
A-Score
1-Year Total Return ->
6
