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Loyal Solutions AS (LOYAL) fair value: what the stock is really worth

We calculate from audited financials what Loyal Solutions AS is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.

Valuation from Jun 23, 2026. With the latest figures (losses, negative cash flow), a fair value can no longer be calculated.
  1. Fair value above price? Yes
  2. Good quality? No
  3. Add to watchlist

Technology · SE · Home Denmark · ISIN DK0061535507

LS Thin data Jun 23, 2026

Loyal Solutions AS

LOYAL · ST

SpeculativeUpside exists, but weak quality makes the signal speculative.

✓Fair value kr 10.30 · Undervalued (+13%)
!Quality 41/100
!Mixed Growth (revenue 5y +29.0 %/yr)
!Loss-making · -7.9% net margin (TTM)
!Negative equity (buybacks among others) · negative free cash flow
!Mixed vs. peers (4/7)
!Narrow moat 17/100
!Evidence only low, so the estimate is less certain
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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

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Price vs Fair Value

kr 20.00 kr 2.22 Fair Value kr 10.30 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jun 23, 2026.

How to read this chart

60‑month range kr 2.22 – kr 20.00 · fair‑value band kr 7.72 – kr 12.87 · the kr 9.14 price screens below the kr 10.30 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jun 23, 2026.

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Company profile

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, airlines, malls, hospitality, telecom, security, and technology industries.

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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, airlines, malls, hospitality, telecom, security, and technology industries. Loyal Solutions A/S was incorporated in 2005 and is based in Copenhagen, Denmark.

Stock analysis

Loyal Solutions AS (LOYAL) currently trades at kr 9.14, while our model-based Fair Value estimate is kr 10.30, implying the stock looks roughly 11.3% undervalued today.

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Valuation

How firm this estimate is: it rests on 3 models at a data quality of 95/100, which puts the evidence level at low.

Scenario range: kr 7.72 (bear) to kr 12.87 (bull), the price of kr 9.14 sits inside 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 41/100 (below-average quality), in the Technology sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Loyal Solutions AS reported revenue of 39.1M DKK in FY2025 versus 14.6M DKK in FY2021, a compound +28.0%/yr. Reported net income was −10.1M DKK in FY2025.

Key figures

Market cap 87.0M SEK (≈ $8.8M) · P/S ratio 1.32 · EPS (TTM) kr −0.6100 · Net margin −25.8% · Return on equity −112% · Return on assets (EBIT) −50.2% · Operating margin 7.1% · Revenue (TTM) 50.3M DKK.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 16% below its 52-week high and 236% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Technology peers we cover trades at −14% fair-value upside, at 13%, LOYAL screens cheaper than that median.

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Quality Score breakdown

Overall quality 41/100

Of which business quality 39 · Market factors (momentum, volatility) 76

Profitability 50
Margins and returns on capital today
Quality Growth 16
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 24
Balance sheet, leverage, solvency risk
Investment 98
Disciplined investing over empire-building
Low Volatility 30
Calm price path (market factor)
Momentum 99
Price trend over the last 3–12 months (market factor)
52W Momentum 89
Distance to the 52-week high (market factor)
Net Issuance 81
Share count: buybacks or dilution?

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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. 29/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−2.4%
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.
+28.9%
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.
+29.0%
Start year 2020 (pandemic)
Revenue growth 6 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%
Profit margin (trend) ⓘ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.
−10.4% (2020) → −19.0% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 721 stocks

Beats the industry median on 4/7 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 41 · Bottom 25%
Fair Value upside +18% · Above median
Profitability
Return on equity (TTM) Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets −3% · Below median
Net margin (TTM) −8% · Below median
Operating margin (TTM) 7% · Above median
Growth and dividend
Revenue growth 53% · Top 25%
Balance sheet
Debt / equity Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.

Valuation Multiplesvs Software - Application median · lower = cheaper

P/B Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/S (TTM) 0.17× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)50 · sector 27
FUTURE (revenue growth)100 · sector 38
PAST (return on equity)0 · sector 16
HEALTH (low debt)0 · sector 97
DIVIDEND (yield)0 · sector 30

PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.

Context: sector, industry, 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 €184.18 €159.06 −14%
Shopify Inc SHOP $142.34 $64.36 −55%
Uber Technologies, Inc UBER $69.89 $104.82 +50%
Salesforce, Inc CRM $233.28 $344.41 +48%
ServiceNow, Inc NOW $140.78 $154.86 +10%
Cadence Design Systems, Inc CDNS $309.09 $225.14 −27%
Snowflake Inc SNOW $334.81 $75.08 −78%
Datadog, Inc DDOG $251.49 $32.92 −87%
Adobe Inc ADBE $238.25 $454.04 +91%
Automatic Data Processing, Inc ADP $263.68 $177.51 −33%

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Loyal Solutions AS · Fair Value
kr 10.30 +11%Fair Value
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Cite: Fair Value Calculator (2026). "Loyal Solutions AS Fair Value". https://www.fairvalue-calculator.com/stock/LOYAL

Frequently asked questions

Is Loyal Solutions AS (LOYAL) overvalued or undervalued?
As of Jun 23, 2026, our model estimates a fair value of kr 10.30 versus a price of kr 9.14, about +13% upside (undervalued).
What is the fair value of LOYAL?
Our model-based fair value for Loyal Solutions AS is kr 10.30 (as of Jun 23, 2026), built from audited fundamentals. The current price: kr 9.14.
What is the quality score of LOYAL?
Loyal Solutions AS has a Quality Score of 41/100. 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 Loyal Solutions AS (LOYAL)?
Our model-based price target is the fair value of kr 10.30 (as of Jun 23, 2026) from 3 valuation models. Cautious scenario kr 7.72, optimistic scenario kr 12.87. It is a calculation from audited fundamentals, not an analyst target.
What is the Loyal Solutions AS stock forecast for 2026?
Our models put fair value at kr 10.30, about +13% upside versus a price of kr 9.14 (undervalued). Cautious scenario kr 7.72, optimistic scenario kr 12.87. The calculation is refreshed regularly with new filings.
What is the revenue of Loyal Solutions AS (LOYAL)?
Loyal Solutions AS reported trailing-twelve-month revenue of about 50.3M DKK (latest available figure, as of Jun 23, 2026).
What is the intrinsic value of Loyal Solutions AS (LOYAL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Loyal Solutions AS it is kr 10.30 per share (as of Jun 23, 2026), against a price of kr 9.14. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Loyal Solutions AS stock overvalued or undervalued in 2026?
As of Jun 23, 2026, LOYAL trades below its calculated fair value: price kr 9.14, fair value kr 10.30, a gap of about +13% (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 LOYAL?
No. The price is what the market pays today (kr 9.14); the fair value is what the company's own numbers justify (kr 10.30). For Loyal Solutions AS the two are kr 1.16 per share apart. That gap is exactly why we show both numbers side by side.
How much is Loyal Solutions AS worth?
The market values Loyal Solutions AS at about 87.0M SEK (market capitalisation, as of Jun 23, 2026). Per share that is kr 9.14; our models calculate a fair value of kr 10.30 per share.
What do the bullish and bearish scenarios say about LOYAL?
Our models span a range for Loyal Solutions AS: cautious scenario kr 7.72, base kr 10.30, optimistic kr 12.87 per share (as of Jun 23, 2026, price kr 9.14). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Loyal Solutions AS (LOYAL)?
Balance-sheet figures for Loyal Solutions AS (as of Jun 23, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is LOYAL from its 52-week high?
Loyal Solutions AS trades at kr 9.14, about 16% below its 52-week high of kr 10.90 and 236% above the low of kr 2.72 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of kr 10.30 is for.
Which stocks are comparable to Loyal Solutions AS?
From the same area (Technology) we also value SAP SE, Shopify Inc, Uber Technologies, Inc, Salesforce, 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 Loyal Solutions AS stock attractive at the current price?
The data as of Jun 23, 2026: price kr 9.14, calculated fair value kr 10.30 (+13%), Quality Score 41/100, from 3 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 LOYAL calculated?
We run Loyal Solutions AS through 3 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 kr 10.30, 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 13.0 % above its aggregate fair value. Loyal Solutions AS currently trades 13 % 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 Loyal Solutions AS (LOYAL)?
The closing price on Sep 24, 2026 was kr 9.14. Our model-based fair value is kr 10.30, about +13% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Loyal Solutions AS right now?
Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.

Key figures of Loyal Solutions AS

How large is the market capitalisation of Loyal Solutions AS (LOYAL)?
The market capitalisation of Loyal Solutions AS is 87.0M SEK (≈ $8.8M). 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/S ratio of Loyal Solutions AS (LOYAL)?
The price-to-sales ratio of Loyal Solutions AS is 1.32 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Loyal Solutions AS (LOYAL)?
Earnings per share at Loyal Solutions AS are kr −0.6100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Loyal Solutions AS (LOYAL)?
The net margin of Loyal Solutions AS is −25.8% (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 Loyal Solutions AS (LOYAL)?
The return on equity (ROE) of Loyal Solutions AS is −112% (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 Loyal Solutions AS (LOYAL)?
On an EBIT basis the return on assets of Loyal Solutions AS is −50.2% (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.
What is the operating margin of Loyal Solutions AS (LOYAL)?
The operating margin of Loyal Solutions AS is 7.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Loyal Solutions AS (LOYAL)?
Revenue at Loyal Solutions AS is growing +52.6% versus a year earlier (3y avg +28.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Loyal Solutions AS (LOYAL) generate?
The free cash flow of Loyal Solutions AS is −4.1M DKK (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Loyal Solutions AS (LOYAL) carry?
The net debt of Loyal Solutions AS is 23.0M DKK (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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