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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
10/26/2026: LSPD (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Lightspeed Commerce Inc is a provider of cloud-based point-of-sale and payment software for retail and hospitality businesses. Its main strength lies in its ability to manage complex, multi-location operations for small and medium-sized businesses. The primary growth story revolves around increasing payment volume and consolidating various software platforms to improve operating margins. However, the company faces significant risks, including intense competition from larger platforms and the operational burden of integrating past acquisitions. It may best suit growth-oriented investors with a high risk tolerance who are looking for exposure to the digital commerce sector and are monitoring the company's path toward sustained profitability.
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 | Mixed fit | While the company is scaling payments revenue, growth has moderated compared to its earlier, acquisition-heavy phase. |
| Momentum investor | Weak fit | The stock has experienced significant volatility and is not currently defined by a strong, consistent uptrend signal. |
| Value investor | Weak fit | The company remains in an investment phase with inconsistent GAAP profitability, making traditional value metrics difficult to apply. |
| Dividend investor | Weak fit | Lightspeed does not pay a dividend as it focuses capital on growth and platform development. |
| Low-risk investor | Weak fit | High price volatility and competitive industry risks make this a less suitable choice for risk-averse portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock's history of significant price swings necessitates a high tolerance for market fluctuations. |
| Valuation risk | Medium / high | Valuations are highly sensitive to growth assumptions and changes in interest rate environments for tech stocks. |
| Competition risk (Digital payments/POS) | High | The company competes against entrenched giants like Shopify and Block who have significant capital and scale advantages. |
| Business quality | Medium | While the sticky nature of POS software is a strength, the integration of multiple acquisitions creates ongoing operational complexity. |
| Dividend income | Low / none | Investors should expect zero income through dividends, as capital is fully reinvested. |
| Execution risk | Medium | Successfully transitioning to a consolidated platform while maintaining profitability requires disciplined operational execution. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 25.36% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/26/2026 |
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 1.44B USD | Price to earnings Ratio - | 1Y Target Price 10.92 |
Price to earnings Ratio - | 1Y Target Price 10.92 | ||
Volume (30-day avg) 778.9K shares | Beta 1.76 | 52 Weeks Range 7.83 - 13.71 | Updated Date 10/25/2026 |
52 Weeks Range 7.83 - 13.71 | Updated Date 10/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.71 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Subscription Revenue | Recurring fees from merchants for accessing the core POS and commerce software platforms. | This is the stable, predictable income from customers using the software every month. |
| Transaction-Based Revenue | Fees earned from payment processing (Lightspeed Payments) on transactions handled through the platform. | This represents the growth engine, as revenue increases directly with the volume of sales processed by merchants. |
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 34.6 | Enterprise Value 1.17B | Price to Sales(TTM) 1.16 |
Enterprise Value 1.17B | Price to Sales(TTM) 1.16 | ||
Enterprise Value to Revenue 1.05 | Enterprise Value to EBITDA 33.5 | Shares Outstanding 129.30M | Shares Floating 84.28M |
Shares Outstanding 129.30M | Shares Floating 84.28M | ||
Percent Insiders 10.52 | Percent Institutions 62.15 |
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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