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Upturn AI Summary - About
Lightspeed Commerce Inc(LSPD)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for LSPD
10/12/2026: LSPD (1-star) is currently NOT-A-BUY. Pass it for now.
Lightspeed Commerce Inc is a cloud-based software provider that offers point-of-sale and payment solutions for retailers and restaurants. The company has a leading position in the mid-market segment, known for helping businesses digitize their operations through a unified platform. Its core growth story centers on increasing the adoption of integrated financial services and expanding its geographic reach. However, investors face risks from high competition, intense customer acquisition costs, and historical lack of GAAP profitability. The stock is generally suited for growth-oriented investors, though it carries high volatility that may not be appropriate for those prioritizing stability or dividend income.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company targets high-growth markets and is focused on scaling revenue across its platform. |
| Momentum investor | Strong fit while signal remains positive | The stock can exhibit strong price trends during periods of positive growth sentiment. |
| Value investor | Weak fit | The company's lack of consistent profitability makes it less suitable for traditional value metrics. |
| Dividend investor | Weak fit | Lightspeed does not pay dividends and prioritizes growth capital expenditures. |
| Low-risk investor | Weak fit | High price volatility and growth-stage execution risks make it unsuitable for risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock's beta reflects the inherent volatility of the growth-stage software sector. |
| Valuation risk | Medium / high | Investors pay high premiums for growth, which can contract sharply during market corrections. |
| Competition risk (SaaS / Payments) | High | Intense pressure from larger competitors like Shopify and Block threatens pricing power and churn rates. |
| Business quality | Medium | While the sticky SaaS model is solid, the company is still building a track record of operational efficiency. |
| Dividend income | Low / none | The company provides no income to investors. |
| Execution risk | Medium / high | The ability to integrate varied acquisitions into a unified platform is critical for long-term margins. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 20.73% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/12/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.38B USD | Price to earnings Ratio - | 1Y Target Price 10.85 |
Price to earnings Ratio - | 1Y Target Price 10.85 | ||
Volume (30-day avg) 760.8K shares | Beta 1.76 | 52 Weeks Range 7.83 - 13.71 | Updated Date 10/11/2026 |
52 Weeks Range 7.83 - 13.71 | Updated Date 10/11/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.71 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Subscription Revenue | Recurring monthly or annual fees for access to Lightspeed's cloud software platforms. | This is stable income from business customers who pay to use the core software tools. |
| Transaction-based Revenue | Fees collected from payment processing through Lightspeed Payments. | This grows as customers process more volume and use more integrated payment features. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE - | Forward PE 15.7 | Enterprise Value 891.44M | Price to Sales(TTM) 1.11 |
Enterprise Value 891.44M | Price to Sales(TTM) 1.11 | ||
Enterprise Value to Revenue 0.72 | Enterprise Value to EBITDA 33.5 | Shares Outstanding 129.30M | Shares Floating 84.28M |
Shares Outstanding 129.30M | Shares Floating 84.28M | ||
Percent Insiders 10.48 | Percent Institutions 61.76 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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