Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Afyn SAS, a specialized financial technology company, focuses on providing innovative solutions tailored for the financial services industry. Through its advanced technological platforms, Afyn SAS streamlines various processes, enhancing efficiency and productivity for financial institutions. The company operates in sectors such as banking, asset management, and insurance, delivering services that range from automated advisory systems to risk management software. Its solutions are crucial in helping these sectors adapt to the evolving landscape of digital finance, characterized by increasing demand for transparency, speed, and agility. By integrating the latest in artificial intelligence and machine learning, Afyn SAS contributes significantly to the modernization of financial operations, enabling firms to offer more personalized and effective services to their clients. This positions Afyn SAS as a key player in driving the transformation of financial services, aligning technology with business goals to foster innovation and growth.
The business is unprofitable at the operating level (-314.43% margin). The thesis depends entirely on whether and when it reaches sustainable profitability.
Revenue declined 20.6% YoY. Margins deteriorated 101.9pp alongside, both lines moving the wrong way.
Negative free cash flow of -€6M. The business is consuming cash, not generating it. Operating margin contracted 101.9pp YoY, cost discipline may be slipping.
Profitability & Returns
Revenue (TTM)
€2M
▼ -20.6% YoY
Net Income (TTM)
-€14M
▼ -47.3% YoY
Op. Margin
-314.43%
▼ -101.9pp YoY
ROIC
-9.37%
▼ -1.5pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
-€6M
▲ +0.9% YoY
Op. Cash Flow (TTM)
-€6M
▼ -0.6% YoY
Net Debt
-€33M
Net Cash Position
Cash & Equiv.
€35M
3Y CAGR: -13.0%
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