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Judo Capital Holdings Limited
(Sydney:JDO)
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Rating:60Neutral
Price Target:
AU$1.00
▲(9.89% Upside)
Action:Reiterated
Date:06/27/26
The score is supported by strong financial improvement (rapid revenue growth and improved profitability) and a relatively low P/E valuation. However, the overall rating is held back by pronounced technical weakness (price below all major moving averages, negative MACD, very low RSI) and ongoing balance-sheet/cash-flow concerns (still-high leverage and declining operating/free cash flow).
Positive Factors
SME-focused relationship banking
Judo’s explicit focus on SMEs and relationship-led lending supports durable revenue visibility: deep borrower relationships can generate repeat lending, stable deposit stickiness and cross-sell opportunities. Over 2–6 months this niche reduces reliance on volatile retail or institutional flows and aligns with structural SME credit needs.
Negative Factors
Elevated leverage
Although leverage has improved, a debt-to-equity of 1.85 remains relatively high and narrows the bank’s capital buffer against credit stress. Elevated leverage increases sensitivity to loan loss volatility and constrains capital flexibility for growth or unexpected losses over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
SME-focused relationship banking
Judo’s explicit focus on SMEs and relationship-led lending supports durable revenue visibility: deep borrower relationships can generate repeat lending, stable deposit stickiness and cross-sell opportunities. Over 2–6 months this niche reduces reliance on volatile retail or institutional flows and aligns with structural SME credit needs.
Read all positive factors
Judo Capital Holdings Limited (JDO) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$1.09B
Dividend YieldN/A
Average Volume (3M)4.25M
Price to Earnings (P/E)10.3
Beta (1Y)1.49
Revenue Growth9.28%
EPS Growth61.30%
CountryAU
Employees566
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.09
Shares Outstanding1,121,284,400
10 Day Avg. Volume4,064,522
30 Day Avg. Volume4,249,351
Financial Highlights & Ratios
PEG Ratio0.89
Price to Book (P/B)1.04
Price to Sales (P/S)1.65
P/FCF Ratio13.95
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$1.46Price Target Upside60.85% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering8
EPS Forecast (FY)0.13
Revenue Forecast (FY)AU$603.68M
Judo Capital Holdings Limited Business Overview & Revenue Model
Company Description
Judo Capital Holdings Limited offers a diverse suite of banking and financial services tailored for small and medium-sized enterprises (SMEs) across Australia. Their product portfolio encompasses term deposits, alongside a comprehensive range of c...
How the Company Makes Money
Judo Capital Holdings Limited primarily makes money through net interest income generated from banking activities. The key revenue stream is interest earned on its SME loan portfolio (including term loans and other business credit products) minus ...
Judo Capital Holdings Limited Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
65
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.46B | 1.06B | 326.60M | 579.60M | 156.50M | 131.72M |
| Gross Profit | 368.20M | 334.70M | 384.80M | 579.60M | 156.50M | 131.72M |
| EBITDA | 157.40M | 141.10M | 120.70M | 116.10M | -1.80M | -653.00K |
| Net Income | 105.40M | 86.40M | 69.90M | 73.40M | -7.70M | 28.81M |
Balance Sheet | ||||||
| Total Assets | 16.06B | 14.98B | 13.20B | 12.15B | 9.41B | 7.46B |
| Cash, Cash Equivalents and Short-Term Investments | 471.20M | 2.47B | 654.60M | 633.00M | 3.20B | 3.88B |
| Total Debt | 3.20B | 3.12B | 3.15B | 4.52B | 3.83B | 3.53B |
| Total Liabilities | 14.34B | 13.29B | 11.63B | 10.67B | 3.85B | 3.55B |
| Stockholders Equity | 1.73B | 1.69B | 1.57B | 1.48B | 1.40B | 1.36B |
Cash Flow | ||||||
| Free Cash Flow | 178.20M | 125.50M | 172.40M | 244.70M | 71.30M | 4.47M |
| Operating Cash Flow | 179.10M | 136.60M | 197.80M | 272.10M | 84.40M | 17.16M |
| Investing Cash Flow | -2.30B | -21.20M | -1.03B | -2.50B | 455.10M | -4.58B |
| Financing Cash Flow | 1.91B | -30.70M | 897.40M | 2.54B | 599.80M | 4.69B |
Judo Capital Holdings Limited Technical Analysis
Neutral
0.91
Price Trends
1.13
Negative
1.28
Negative
1.49
Negative
Market Momentum
-0.02
Negative
52.09
Neutral
84.66
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:JDO, the sentiment is Neutral. The current price of 0.91 is below the 20-day moving average (MA) of 0.96, below the 50-day MA of 1.13, and below the 200-day MA of 1.49, indicating a neutral trend. The MACD of -0.02 indicates Negative momentum. The RSI at 52.09 is Neutral, neither overbought nor oversold. The STOCH value of 84.66 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AU:JDO.
Judo Capital Holdings Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | AU$296.79B | 28.68 | 13.27% | 2.81% | 0.93% | 5.97% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | AU$788.44M | 7.31 | 12.70% | 15.82% | -8.26% | 5.26% | |
60 Neutral | AU$1.09B | 10.30 | 6.18% | ― | 9.28% | 61.30% | |
57 Neutral | AU$6.63B | -76.40 | -1.25% | 5.70% | -2.90% | -117.39% | |
51 Neutral | AU$4.37B | 43.63 | 1.66% | 6.28% | -4.72% | -67.75% | |
50 Neutral | AU$986.70M | 6.91 | 12.13% | 15.15% | -4.02% | 17.32% |
* Financial Sector Average
AU:JDO
Judo Capital Holdings Limited
1.02
-0.62
-37.80%
AU:BOQ
Bank of Queensland
6.60
-0.73
-9.98%
AU:BEN
Bendigo & Adelaide Bank
11.38
-0.54
-4.57%
AU:CBA
Commonwealth Bank of Australia
178.01
4.45
2.56%
AU:PPM
Pepper Money Ltd
1.83
0.09
4.99%
AU:LFG
Liberty Financial Group Ltd
3.26
-0.26
-7.36%
Judo Capital Holdings Limited Corporate Events
Judo Capital Updates Market on Lapse of Deferred Rights and Options
Jul 14, 2026
Judo Capital Holdings Limited has notified the ASX of the cessation of 1,968,908 securities comprising deferred share rights and various options. The instruments lapsed on June 30, 2026 after the conditional rights to the securities were not, or c...
Australian Retirement Trust exits substantial holder position in Judo Capital
Jul 2, 2026
Australian Retirement Trust Pty Ltd, acting as trustee for Australian Retirement Trust, has notified Judo Capital Holdings Limited that it has ceased to be a substantial shareholder as at 29 June 2026. The change in relevant interest in Judo’...
Judo Bank Lifts Provisions but Reaffirms Strong Profit and Capital Outlook
Jun 24, 2026
Judo Bank, the SME-focused Australian business lender, reported continued growth in gross loans and advances, which are expected to reach between $14.6 billion and $14.7 billion by 30 June 2026. The bank’s net interest margin for the second ...
Insignia Financial exits substantial holder position in Judo Capital
Jun 3, 2026
Insignia Financial Ltd, a diversified Australian wealth and investment manager, has notified Judo Capital Holdings Limited that it has ceased to be a substantial shareholder as of late May 2026. The change reflects a series of on-market transactio...
Judo Bank upsizes $750m SME loan securitisation to boost capital and ROE
May 28, 2026
Judo Capital Holdings Limited has priced a $750 million capital-relief securitisation backed by SME business loans, upsized from an initial $500 million after strong domestic and international investor demand. The notes were issued at a weighted a...
Judo Bank Showcases Strategy at 2026 Macquarie Australia Conference
May 5, 2026
Judo Capital Holdings Limited has released a presentation to be delivered by Chief Executive Officer Chris Bayliss at the 2026 Macquarie Australia Conference, highlighting the bank’s engagement with the investment community. The conference a...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.