Text S.A. Due Diligence

Run due diligence on Text S.A.: check compliance and get alerts when suppliers or ownership change.

Poland · owned by Independent (Poland) · www.livechatinc.com · 14 vendors

Text S.A. (formerly LiveChat, Inc.) develops and operates LiveChat®, an AI-powered live chat and customer support software platform used by over 40,000 businesses in 150 countries. The company's flagship product enables real-time website support, sales engagement, and customer communication across multiple channels. Text S.A. also offers complementary products including ChatBot, HelpDesk, KnowledgeBase, and OpenWidget under its broader Text platform.

Resilience scores

Technology vendors

Services catalogue

5 services in catalogue across 4 categories; runs on 14 sub-vendors.

Insights

Last updated 2026-08-15 · revision 3

14 direct vendors, 195 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Compliance

11 in-scope frameworks identified; showing 3.

CCPA — Evidence found

Evidence: https://www.text.com/about/, https://www.livechat.com/legal/privacy-policy/, https://trust.text.com/

CSRD (source) — No public evidence

Evidence: https://www.text.com/about/, https://investor.text.com/

WCAG 2.2 — Evidence found

Evidence: https://www.text.com/about/, https://trust.text.com/

Financials

Three-year financials

Financial Resilience Score: 9/10

Text S.A. exhibits exceptional financial resilience underpinned by a highly profitable, cash-generative SaaS model. Historic operating margins have consistently been in the 50-60% range, which is very high even by global SaaS standards, and the company has been financed entirely from operating cash flow with essentially no interest-bearing debt. Equity has grown steadily year over year, reinforcing the balance sheet. The company has a long, consistent dividend track record (near-quarterly dividends since 2015), signaling strong free cash flow discipline. Its subscription-based revenue is diversified across over 40,000 customers in 150 countries, limiting single-customer concentration risk. Product diversification beyond the flagship LiveChat product (ChatBot, HelpDesk, KnowledgeBase, OpenWidget, and the AI Text platform) further supports resilience. Risks that temper the score include material FX exposure (USD-denominated ARR translated to PLN), rising OpEx related to AI/product investment which is compressing margins, and intense competitive pressure from Intercom, Zendesk, Freshworks, HubSpot and generative-AI newcomers like Sierra and Decagon. The transition to the unified Text platform also carries execution risk. Despite these, the strong margin base and debt-free balance sheet make resilience very high.

Key strengths: Operating margins consistently 50-60%, very high for SaaS, Debt-free balance sheet, fully self-financed from operating cash flow, Consistent quarterly dividend payments since 2015, Diversified product portfolio beyond flagship LiveChat, Over 40,000 customers across 150 countries limiting concentration risk, Steadily growing equity base, ARR exceeding US$89.5M with 7.6% q/q growth

Risk factors: FX exposure: USD-denominated ARR reported in PLN, PLN strength drags results, Intense competition from Intercom, Zendesk, Freshworks, HubSpot, Tidio, Sierra, Decagon, Margin compression from rising R&D, AI inference and sales costs, Product transition risk from Text rebrand and platform consolidation, Heavy revenue concentration in mature LiveChat product (~85-88% of ARR), Slowing growth in legacy LiveChat product

Revenue by geography

Revenue by product/service

Workforce by country

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