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Text S.A (LCHTF) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Text S.A $37.35, price $11.20, upside +233.5%, quality 79 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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TS
Broad data
Oct 2, 2026
Broad data
Oct 2, 2026
Text S.A
LCHTF · USStrongly undervaluedStrong Fair Value upside with high Quality.
✓Fair value $37.35 · Strongly undervalued (+233.5%)
✓Quality 79/100
✓Healthy Growth (revenue 5y +22.0 %/yr)
✓Highly profitable · 36.9% net margin (TTM)
✓Low debt · generates free cash flow
✓Wide moat 92/100
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 2, 2026.
How to read this chart
60‑month range $9.66 – $25.67 · fair‑value band $23.53 – $53.45 · the $11.20 price screens below the $37.35 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 2, 2026.
Company profile
Text S.A. develops and distributes online text communication software for businesses worldwide.
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Text S.A. develops and distributes online text communication software for businesses worldwide. It offers LiveChat, a platform for online multichannel text communication; ChatBot, a chatbot building platform that allows the creation of conversational chatbots to handle various business scenarios; KnowledgeBase, a platform that lets companies to create knowledge bases for employees and clients; OpenWidget, a solution allowing for an easy installation of widgets on website; and HelpDesk, a solution that supports business communication with the client through various text communication channels, such as mail, live chat, etc. Text S.A. was formerly known as LiveChat Software S.A. and changed its name to Text S.A. in September 2023. The company was incorporated in 2002 and is headquartered in Wroclaw, Poland.
Stock analysis
Text S.A (LCHTF) currently trades at $11.20, while our model-based Fair Value estimate is $37.35, implying the stock looks roughly 70.0% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of $56.27 per share, and 23 of the 26 models we run sit above the $11.20 price.
Bear case: the Economic Profit group reads lowest at $4.64, and 3 of the 26 models stay below the price. Evidence for this calculation is high.
Scenario range: $23.53 (bear) to $53.45 (bull), the price of $11.20 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 79/100 (high quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Text S.A reported revenue of 354M PLN in FY2025 versus 179M PLN in FY2021, a compound +18.6%/yr. Reported net income was 164M PLN in FY2025, compounding +13.2%/yr from FY2021.
Key figures
Market cap $288M · P/E ratio 8.4 · P/S ratio 3.91 · EPS (TTM) $1.33 · Net margin 46.4% · Return on equity 98.6% · Return on assets (EBIT) 87.7% · Revenue (TTM) 346M PLN.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 59 out of 100 (medium confidence).
What moves the price
The share trades about 19% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −8% fair-value upside, at 233%, LCHTF screens cheaper than that median.
Fair Value models
Bear $23.53
Fair Value $37.35
Bull $53.45
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($1.33 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
FCF DCF
$18.37
$25.43
$46.05
78
Growth DCF
$17.25
$26.58
$43.19
77
EPV
$12.15
$13.52
$14.63
74
All 26 models by family
DCF Models
FCF DCF
$18.37
$25.43
$46.05
78
Owner Earnings
$18.30
$35.21
$64.71
73
5Y Revenue Exit
$15.25
$25.38
$45.79
70
5Y EBITDA Exit
$23.99
$43.51
$80.65
72
5Y P/E Exit
$28.57
$62.73
$108.43
67
10Y Revenue Exit
$15.71
$29.72
$40.75
66
10Y EBITDA Exit
$21.48
$44.94
$88.77
64
10Y P/E Exit
$24.30
$52.92
$103.83
60
Earnings-Based
Graham-Dodd
$11.16
$77.80
$109.18
63
Lynch FV
$26.42
$37.75
$49.07
61
PEG = 1.0
$26.42
$37.75
$49.07
57
EPV
$12.15
$13.52
$14.63
74
Dividend Discount
Gordon GGM
$10.76
$18.01
$23.38
68
DDM Multi-Stage
$10.76
$17.09
$19.38
67
Multiples
P/E Multiple
$34.45
$45.93
$57.42
63
P/S Multiple
$14.58
$19.44
$24.30
58
P/B Multiple
$6.13
$8.17
$10.21
55
EV/EBIT
$32.63
$43.25
$53.87
66
EV/EBITDA
$27.93
$36.98
$46.04
67
EV/Revenue
$13.14
$18.44
$23.75
54
Asset-Based
NCAV (Graham)
$0.6800
$0.9100
$1.36
54
Growth DCF
Growth DCF
$17.25
$26.58
$43.19
77
Rev-Margin DCF
$15.25
$28.86
$49.98
70
Economic Profit
Residual Income
$3.81
$4.64
$8.15
73
ROIC Compounder
$12.58
$14.45
$16.24
72
Growth Earnings
Growth-Adj P/E
$39.39
$56.27
$73.15
67
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Set up alert →Quality Score breakdown
Overall quality
79/100
Of which business quality 79 · Market factors (momentum, volatility) 43
Profitability
100
Margins and returns on capital today
Quality Growth
38
Are margins and returns improving?
Cashflow
80
Earnings quality: real cash, not paper profit
Fin. Strength
98
Balance sheet, leverage, solvency risk
Investment
52
Disciplined investing over empire-building
Low Volatility
82
Calm price path (market factor)
Momentum
27
Price trend over the last 3–12 months (market factor)
52W Momentum
27
Distance to the 52-week high (market factor)
Net Issuance
82
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+5.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.0%
Start year 2020 (pandemic). Over 10 years: +26.8% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.5%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+16.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.7%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.16.7% vs 24.4%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.63% → 50%
Start year 2020 (pandemic)
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Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Software - Application stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| SAP SE SAP | €186.74 | €172.46 | −8% |
| Salesforce, Inc CRM | $229.57 | $342.73 | +49% |
| Shopify Inc SHOP | $144.01 | $64.36 | −55% |
| ServiceNow, Inc NOW | $134.01 | $147.41 | +10% |
| Uber Technologies, Inc UBER | $69.36 | $103.69 | +49% |
| Snowflake Inc SNOW | $330.31 | $74.36 | −77% |
| Automatic Data Processing, Inc ADP | $261.80 | $150.01 | −43% |
| Adobe Inc ADBE | $239.94 | $454.04 | +89% |
| Datadog, Inc DDOG | $268.70 | $32.52 | −88% |
| Cadence Design Systems, Inc CDNS | $326.70 | $225.48 | −31% |
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Frequently asked questions
Is Text S.A (LCHTF) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of $37.35 versus the last price from Sep 25, 2026 of $11.20, about +233% upside (undervalued).
What is the fair value of LCHTF?
Our model-based fair value for Text S.A is $37.35 (as of Oct 2, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $11.20.
What is the quality score of LCHTF?
Text S.A has a Quality Score of 79/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Text S.A (LCHTF)?
Our model-based price target is the fair value of $37.35 (as of Oct 2, 2026) from 26 valuation models. Cautious scenario $23.53, optimistic scenario $53.45. It is a calculation from audited fundamentals, not an analyst target.
What is the Text S.A stock forecast for 2026?
Our models put fair value at $37.35, about +233% upside versus the last price from Sep 25, 2026 of $11.20 (undervalued). Cautious scenario $23.53, optimistic scenario $53.45. The calculation is refreshed regularly with new filings.
What is the revenue of Text S.A (LCHTF)?
Text S.A reported trailing-twelve-month revenue of about 346M PLN (latest available figure, as of Oct 2, 2026).
What is the intrinsic value of Text S.A (LCHTF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Text S.A it is $37.35 per share (as of Oct 2, 2026), against a price of $11.20. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Text S.A stock overvalued or undervalued in 2026?
As of Oct 2, 2026, LCHTF trades below its calculated fair value: price $11.20, fair value $37.35, a gap of about +233% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LCHTF?
No. The price is what the market pays today ($11.20); the fair value is what the company's own numbers justify ($37.35). For Text S.A the two are $26.15 per share apart. That gap is exactly why we show both numbers side by side.
How much is Text S.A worth?
The market values Text S.A at about $288M (market capitalisation, as of Oct 2, 2026). Per share that is $11.20; our models calculate a fair value of $37.35 per share.
What do the bullish and bearish scenarios say about LCHTF?
Our models span a range for Text S.A: cautious scenario $23.53, base $37.35, optimistic $53.45 per share (as of Oct 2, 2026, price $11.20). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is LCHTF from its 52-week high?
Text S.A trades at $11.20, about 19% below its 52-week high of $13.77 and 16% above the low of $9.66 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $37.35 is for.
Which stocks are comparable to Text S.A?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Text S.A stock attractive at the current price?
The data as of Oct 2, 2026: price $11.20, calculated fair value $37.35 (+233%), Quality Score 79/100, from 26 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LCHTF calculated?
We run Text S.A through 26 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $37.35, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Text S.A currently trades 70 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Text S.A (LCHTF)?
The latest price we hold is from Sep 25, 2026 and stands at $11.20. Our model-based fair value is $37.35, about +233% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Text S.A right now?
The rarer combination: high quality (79/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case ($23.53). The market is more pessimistic than our downside scenario. A fairly wide model range ($23.53 to $53.45) leaves room in how you read the outcome.
Where does the earnings growth of Text S.A (LCHTF) come from?
Earnings per share at Text S.A grew +27.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +28.5 %, EBIT margin −2.4 %, tax rate +1.7 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Text S.A
How large is the market capitalisation of Text S.A (LCHTF)?
The market capitalisation of Text S.A is $288M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of Text S.A (LCHTF)?
The price-to-earnings ratio of Text S.A is 8.4. Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Text S.A (LCHTF)?
The price-to-sales ratio of Text S.A is 3.91 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Text S.A (LCHTF)?
Earnings per share at Text S.A are $1.33 (price ÷ EPS = P/E 8.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Text S.A (LCHTF)?
The net margin of Text S.A is 46.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Text S.A (LCHTF)?
The return on equity (ROE) of Text S.A is 98.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Text S.A (LCHTF)?
On an EBIT basis the return on assets of Text S.A is 87.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at Text S.A (LCHTF)?
Revenue at Text S.A is growing −8.3% versus a year earlier (3y avg +16.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Text S.A (LCHTF)?
Earnings per share at Text S.A are growing −31.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Text S.A (LCHTF) generate?
The free cash flow of Text S.A is $149M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Text S.A (LCHTF) hold?
Text S.A holds more cash than debt, $77.7M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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