Asseco Poland S.A. (ASOZF) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 12.28 means the share price is 12.28 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $5.30B is the value of all shares combined.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 17, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerAsseco Poland S.A. (ASOZF) trades at $65.85 with MoonshotScore 48/100 (Grade C). Asseco Poland S.A. is a leading IT company based in Poland, providing software solutions across various sectors including banking, healthcare, and public administration. Market cap: $5.30B, Sector: Technology.
Price as of Sep 11, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for ASOZF: ASOZF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ASOZF against Technology peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
These figures come from statements filed 12 months ago — the most recent this company has published.
ASOZF: 1/3 scored disciplines lean bullish. Dominant signal: Izzy Englander bearish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Asseco Poland S.A. (ASOZF) Technology Profile & Competitive Position
Asseco Poland S.A. is a prominent IT solutions provider specializing in software development and integration across diverse sectors like banking, healthcare, and public administration. Operating primarily in Poland and internationally, Asseco delivers enterprise resource planning and business intelligence solutions. The company's broad service portfolio and established market presence underpin its competitive positioning.
What Is the Investment Thesis for ASOZF?
The company's focus on providing software solutions to critical sectors such as banking and healthcare offers stability and growth potential. With a P/E ratio of 12.28 and a dividend yield of 2.29%, ASOZF offers a blend of value and income. Key growth catalysts include expansion into new international markets and the increasing demand for digital transformation solutions. However, investors should be aware of potential risks related to currency fluctuations and regulatory changes in the IT sector.
Based on FMP financials and quantitative analysis
ASOZF Key Highlights
Market capitalization of $5.30B, reflecting a substantial valuation in the IT sector.
- P/E ratio of 12.28, indicating a reasonable valuation compared to industry peers.
- Profit margin of 3.4%, showcasing the company's ability to generate profits from its operations.
- Gross margin of 22.8%, demonstrating the efficiency of its service delivery and product pricing.
- Dividend yield of 2.29%, offering a steady income stream for investors.
Who Are ASOZF's Competitors?
ASOZF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| FNOXF Fortnox AB (publ) | $8.45 | 0.00% | $5.67B | — |
| GMYTF GMO Payment Gateway, Inc. | $50.76 | 0.00% | $3.85B | — |
| HROEY Hirose Electric Co.,Ltd. | $16.07 | 0.00% | $5.26B | — |
| RPYTF Reply S.p.A. | $104.54 | 0.00% | $3.90B | — |
| OTEX Open Text Corporation | $22.61 | -0.33% | $5.49B | 935-pillar |
| NICE NICE Ltd. | $98.27 | +0.23% | $5.76B | 865-pillar |
| DAVE Dave Inc. | $358.36 | -0.97% | $4.82B | 985-pillar |
| PEGA Pegasystems Inc. | $35.72 | +1.97% | $5.87B | 905-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ASOZF's Key Strengths?
Strong market position in Poland.
- Diversified product portfolio.
- Established customer base.
- Experienced management team.
What Are ASOZF's Weaknesses?
Limited international presence compared to global competitors.
- Relatively low profit margin.
- Dependence on the Polish market.
- Potential for currency fluctuations.
What Could Drive ASOZF Stock Higher?
Expansion into new international markets, driving revenue growth.
- Increasing demand for cloud-based solutions, boosting sales.
- Launch of new cybersecurity solutions in Q3 2026.
- Strategic acquisitions to expand capabilities and market reach.
- Investment in research and development to drive innovation.
What Are the Key Risks for ASOZF?
Intense competition from global IT companies.
- Rapid technological changes.
- Economic slowdown in Poland or Europe.
- Regulatory changes in the IT sector.
- Currency fluctuations impacting international revenue.
What Are the Growth Opportunities for ASOZF?
- Expansion into New Geographic Markets: Asseco Poland has the opportunity to further expand its presence in international markets, particularly in Western Europe and emerging economies. By leveraging its existing expertise and tailoring its solutions to local needs, the company can tap into new revenue streams and diversify its geographic footprint. This expansion could increase revenue by 15% over the next three years.
- Increased Focus on Cloud-Based Solutions: The growing adoption of cloud computing presents a significant growth opportunity for Asseco Poland. By developing and offering more cloud-based solutions, the company can cater to the evolving needs of its customers and capitalize on the increasing demand for scalable and cost-effective IT services.
- Development of Cybersecurity Solutions: With the rising threat of cyberattacks, the demand for cybersecurity solutions is increasing rapidly. Asseco Poland can leverage its expertise in IT security to develop and offer comprehensive cybersecurity solutions to its customers, protecting them from cyber threats and ensuring the security of their data. The cybersecurity market is projected to grow substantially in the next five years.
- Investment in Research and Development: Asseco Poland can drive innovation and stay ahead of the competition by investing in research and development. By developing new and innovative solutions, the company can attract new customers and retain existing ones, driving revenue growth and increasing its market share. ASOZF can allocate 10% of its annual revenue to R&D.
- Strategic Acquisitions: Asseco Poland can pursue strategic acquisitions to expand its capabilities and market reach. By acquiring companies with complementary technologies or customer bases, the company can accelerate its growth and strengthen its competitive position. ASOZF should target companies in the fintech and healthcare IT sectors.
What Are ASOZF's Competitive Advantages?
- Established market presence in Poland and Central and Eastern Europe.
- Diversified portfolio of software and IT solutions.
- Strong relationships with key customers in various sectors.
- Expertise in developing industry-specific solutions.
What Does ASOZF Do?
Founded in 1989 and headquartered in Rzeszów, Poland, Asseco Poland S.A. has evolved from Softbank S.A. to become a leading information technology company. The company operates through three segments: Asseco Poland, Formula Systems, and Asseco International, offering a comprehensive suite of software and IT solutions. These solutions cater to a wide array of sectors, including banking, payment, insurance, public institutions, healthcare, defense, energy, telecommunications, and media. Asseco Poland provides enterprise resource planning (ERP) software for businesses of all sizes, along with business intelligence solutions to aid in data-driven decision-making. Its geographic reach extends beyond Poland, with a growing international presence. Asseco Poland's commitment to innovation and customer satisfaction has solidified its position as a key player in the IT sector.
What Products and Services Does ASOZF Offer?
- Develops and sells software products.
- Offers IT solutions for banking and payment sectors.
- Provides software for insurance companies.
- Delivers IT services to public institutions.
- Creates healthcare software solutions.
- Offers solutions for defense and uniformed services.
- Provides software for energy, gas, telecommunications, and media sectors.
How Does ASOZF Make Money?
- Develops and licenses software to various industries.
- Provides IT services and consulting.
- Generates revenue through software maintenance and support contracts.
- Offers cloud-based solutions on a subscription basis.
What Industry Does ASOZF Operate In?
Asseco Poland S.A. operates in the dynamic and competitive software and IT services industry. Asseco Poland competes with both international giants and local players, including FNOXF, GMYTF, HROEY, HRSEF, and RPYTF, striving to differentiate itself through specialized solutions and regional expertise. The company's focus on specific sectors like banking and healthcare positions it well to capitalize on industry-specific growth opportunities.
Who Are ASOZF's Key Customers?
- Banks and financial institutions.
- Insurance companies.
- Public sector organizations.
- Healthcare providers.
- Telecommunications companies.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
- ● Reported in PLN, converted to USD
Why 48?
This rating comes from our nine-signal model, which produces a score but not a per-factor breakdown. The sector-relative five-pillar model, which explains its own contributions, does not cover this listing yet. How the score is built →
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 48 |
| 2026-08-26 | 48 |
| 2026-08-29 | 48 |
| 2026-09-01 | 48 |
| 2026-09-04 | 48 |
| 2026-09-07 | 48 |
| 2026-09-10 | 48 |
What changed?
The score has stayed at 48.
Over the same 18 days the stock moved +7.4%.
Asseco Poland S.A. Financial Trajectory
Asseco Poland S.A. (ASOZF) reported $1.30B in revenue for Q2 FY2026, reflecting 9.9% growth compared to the prior quarter. The company recorded net income of $53.8M, with diluted EPS of $0.67. Quarter-over-quarter revenue has been mixed, typical for a mid-cap company operating in Technology. Across the four most recent quarters, ASOZF averaged $1.20 in diluted EPS.
Company Profile
Asseco Poland S.A. operates in the Software - Application industry within the Technology sector. It is headquartered in Rzeszów, PL. The company is led by CEO Adam Tadeusz Goral. ASOZF has traded publicly since 2013.
How Asseco Poland S.A. Is Valued
Asseco Poland S.A. carries a market capitalization of $5.30B, placing it in the mid-cap category. Relative to its peer group, ASOZF's quantitative score of 48/100 is below the peer average of 92/100.
Key Financial Metrics
Return on equity for Asseco Poland S.A. stands at 18.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 5.1%, showing how much profit it generates from its asset base. ASOZF trades at a trailing price-to-earnings ratio of 12.28, below the Technology sector average of ~32.70x. Its free cash flow yield is 15.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.78 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 8.1%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Asseco Poland S.A.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 2.58 places it in the grey zone, a middle ground that warrants monitoring.
ASOZF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong market position in Poland.
- Diversified product portfolio.
- Established customer base.
- Experienced management team.
Bear Case
- Limited international presence compared to global competitors.
- Relatively low profit margin.
- Dependence on the Polish market.
- Potential for currency fluctuations.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.30B | $54M | $0.67 |
| Q1 FY2026 | $1.18B | $61M | $0.76 |
| Q4 FY2025 | $1.21B | $184M | $2.70 |
| Q3 FY2025 | $1.15B | $46M | $0.67 |
Q2 FY2026 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis · Converted to USD from PLN at today's rate
ASOZF Latest News
-
Asseco Poland SA (ASOZF) Q3 2025 Earnings Call Highlights: Strong Growth Amidst Strategic Challenges
Yahoo! Finance: ASOZF News · Dec 4, 2025
ASOZF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for ASOZF.
Price Targets
Wall Street price target analysis for ASOZF.
ASOZF MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. ASOZF scores 48/100 (Grade C): the number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed.
Leadership: Adam Tadeusz Goral
CEO
Adam Tadeusz Goral serves as the CEO of Asseco Poland S.A., leading a workforce of over 33,752 employees. His career spans several decades in the IT industry, with a focus on software development and business strategy. He has held various leadership positions within Asseco Poland, contributing to the company's growth and expansion. Goral holds advanced degrees in computer science and business administration.
Track Record: Under Adam Tadeusz Goral's leadership, Asseco Poland has expanded its market share in key sectors such as banking and healthcare. He has overseen the development and launch of several successful software products and has driven the company's international expansion efforts. Goral has also focused on fostering a culture of innovation and customer satisfaction within the organization.
ASOZF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Asseco Poland S.A. may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited regulatory oversight and may not provide detailed financial disclosures. Investing in OTC Other stocks carries higher risks compared to stocks listed on major exchanges like the NYSE or NASDAQ due to the potential for less transparency and liquidity.
- OTC Tier: OTC Other
- Limited liquidity can make it difficult to buy or sell shares.
- Lack of regulatory oversight increases the risk of fraud or mismanagement.
- Limited financial disclosure makes it challenging to assess the company's financial health.
- Potential for price manipulation due to low trading volume.
- Higher volatility compared to stocks listed on major exchanges.
- Verify the company's registration and legal status.
- Review available financial statements and disclosures.
- Assess the company's management team and track record.
- Research the company's industry and competitive landscape.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before making any investment decisions.
- Established history of operations since 1989.
- Presence in multiple sectors including banking and healthcare.
- International operations.
- Significant employee base of over 33,752.
- Market capitalization of $5.30B.
What Investors Ask About Asseco Poland S.A. (ASOZF) — Technology
What does the AI Score mean for ASOZF?
ASOZF holds an AI Score of 48/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. The number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed.
Is ASOZF a good stock?
Stock Expert AI does not rate ASOZF buy, sell or hold. Asseco Poland S.A. carries a MoonshotScore of 48/100 on the legacy nine-factor engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What do analysts say about ASOZF stock?
Analyst coverage for ASOZF stock is limited due to its OTC listing. However, based on available financial data, Asseco Poland S.A. exhibits a P/E ratio of 12.28 and a dividend yield of 2.29%.
What are the key factors to evaluate for ASOZF?
Asseco Poland S.A. (ASOZF) holds a MoonshotScore of 48/100 (low). P/E: 12.28x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does ASOZF data refresh on this page?
ASOZF's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven ASOZF's recent stock price performance?
Asseco Poland S.A. (ASOZF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market position in Poland. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ASOZF overvalued or undervalued right now?
Asseco Poland S.A. (ASOZF) trades at 12.28x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of ASOZF?
Yes, most major brokerages offer fractional shares of Asseco Poland S.A. (ASOZF) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track ASOZF's earnings and financial reports?
Asseco Poland S.A. (ASOZF) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for ASOZF earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data and market information are based on available sources and may be subject to change.
- OTC market data may be limited or less reliable compared to major exchanges.