Loyal Solutions A/S (LOYAL) Fair Value & Analysis
Technology · SE · Market cap 66.3M SEK
Fair value as of: Jun 23, 2026
From 3 valuation models · updated 48 days ago
Fair value updated Jun 23, 2026, revised from kr 15.12 to kr 10.30 (−31.9%) since Jun 11, 2026. Share price +26.7% over the past month.
Below-average quality, screening 31% undervalued on our models.
What matters now
- The large discount to fair value meets weak quality (41/100). That raises the risk this is a value trap rather than a bargain.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Price vs Fair Value (5 years)
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 7.88 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.
Analysis
Loyal Solutions A/S (LOYAL) currently trades at kr 7.88, while our model-based Fair Value estimate is kr 10.30, implying the stock looks roughly 30.7% undervalued today. The Quality Score stands at 41/100 (below-average quality), in the Technology sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.
Over the trailing twelve months, Loyal Solutions A/S generated revenue of 50.3M SEK at a net margin of -7.9%. Revenue grew 52.6% year over year. Net debt stands at 23.0M SEK. Fundamentals as of Jun 23, 2026
Our scenario range runs from kr 7.72 (bear case) to kr 12.87 (bull case); at kr 7.88, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 1% below its 52-week high and 279% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at -27% fair-value upside, at 31%, LOYAL screens cheaper than that median.
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jun 23, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 39 · Market factors (momentum, volatility) 78
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Loyal Solutions A/S reported revenue of kr 39.1M in FY2025 versus kr 14.6M in FY2021, a compound +28.0%/yr. Reported net income was −kr 10.1M in FY2025.
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Peer Group
Software - Application · 709 stocks
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.
Valuation Multiples vs Software - Application median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Software - Application stocks, each showing price versus our Fair Value estimate (as of Jun 23, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| SAP SE SAPS | C$12.69 | C$16.26 | +28% |
| Shopify Inc SHOP | C$173.23 | C$20.54 | -88% |
| Uber Technologies, Inc UBER | $72.67 | $51.11 | -30% |
| Salesforce, Inc CRM | $170.77 | $182.10 | +7% |
| ServiceNow, Inc NOW | $107.71 | $33.12 | -69% |
| Cadence Design Systems, Inc CDNS | $384.17 | $80.41 | -79% |
| Snowflake Inc SNOW | $271.87 | $34.04 | -87% |
| Adobe Inc ADBE | $230.61 | $379.48 | +65% |
| Automatic Data Processing, Inc ADP | $241.92 | $177.51 | -27% |
| Intuit Inc INTU | $291.09 | $258.69 | -11% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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