Judo Capital Holdings Limited (AU:JDO)
ASX:JDO
Want to see AU:JDO full AI Analyst Report?
Top Page
Judo Capital Holdings Limited
(Sydney:JDO)
Select Model
Select Model
Rating:56Neutral
Price Target:
AU$1.50
▼(-13.79% Downside)
Action:Reiterated
Date:11/14/25
Judo Capital Holdings Limited shows strong financial performance with impressive revenue growth and improving profitability. However, technical indicators suggest bearish momentum, and valuation metrics indicate moderate pricing without a dividend yield. The company must address leverage and cash flow issues to enhance its financial stability.
Positive Factors
SME-focused relationship banking
A focused SME relationship banking model creates durable customer stickiness through tailored lending and recurring deposit relationships. Over months this supports stable funding, deeper wallet share, and differentiated origination versus generic lenders, aiding predictable loan growth.
Negative Factors
Declining operating cash flow
Falling operating cash flow and negative FCF growth undermine internal funding for balance-sheet growth and capital needs. Over a medium horizon this raises reliance on external funding or deposits, increasing refinancing and liquidity risk if market access tightens.
Read all positive and negative factors
Positive Factors
Negative Factors
SME-focused relationship banking
A focused SME relationship banking model creates durable customer stickiness through tailored lending and recurring deposit relationships. Over months this supports stable funding, deeper wallet share, and differentiated origination versus generic lenders, aiding predictable loan growth.
Read all positive factors
Judo Capital Holdings Limited (JDO) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$1.60B
Dividend YieldN/A
Average Volume (3M)4.25M
Price to Earnings (P/E)15.7
Beta (1Y)1.28
Revenue Growth9.28%
EPS Growth61.30%
CountryAU
Employees548
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$2.29Price Target Upside31.65% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering8
EPS Forecast (FY)0.11
Revenue Forecast (FY)AU$518.40M
Judo Capital Holdings Limited Business Overview & Revenue Model
Company Description
Judo Capital Holdings Limited provides various banking products and services for small and medium businesses in Australia. It accepts term deposits; and provides business loans, lines of credit, home loans, asset financing, equipment loan, and ban...
How the Company Makes Money
Judo primarily makes money through banking income generated by its business lending activities. Its main revenue stream is net interest income: it earns interest on loans provided to SME customers and pays interest on its funding sources (such as ...
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 | 0.00 | -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
Positive
1.74
Price Trends
1.43
Positive
1.58
Negative
1.64
Negative
Market Momentum
<0.01
Negative
53.11
Neutral
40.94
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:JDO, the sentiment is Positive. The current price of 1.74 is above the 20-day moving average (MA) of 1.41, above the 50-day MA of 1.43, and above the 200-day MA of 1.64, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 53.11 is Neutral, neither overbought nor oversold. The STOCH value of 40.94 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | AU$768.16M | 7.11 | 12.70% | 11.71% | -8.26% | 5.26% | |
56 Neutral | AU$1.60B | 15.67 | 6.18% | ― | 9.28% | 61.30% | |
53 Neutral | AU$739.62M | 15.63 | 6.34% | 4.63% | 44.60% | -7.74% | |
52 Neutral | AU$951.36M | 10.01 | 7.72% | 6.60% | 8.89% | 334.62% | |
51 Neutral | AU$28.51M | 20.63 | 1.13% | ― | -23.53% | ― | |
50 Neutral | AU$962.41M | 6.61 | 12.13% | 11.83% | -4.02% | 17.32% |
* Financial Sector Average
AU:JDO
Judo Capital Holdings Limited
1.46
-0.05
-3.64%
AU:BBC
BNK Banking Corporation Limited
0.24
-0.06
-20.00%
AU:PPM
Pepper Money Ltd
1.66
0.04
2.29%
AU:LFS
Latitude Group Holdings Ltd.
0.91
-0.12
-11.45%
AU:LFG
Liberty Financial Group Ltd
3.15
0.47
17.45%
AU:MYS
Mystate Limited
4.33
0.21
5.17%
Judo Capital Holdings Limited Corporate Events
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...
Judo Bank Lifts Provisions but Reaffirms FY26 Profit Guidance After Strong Q3
Apr 23, 2026
Judo Bank reported strong third-quarter FY26 performance, with gross loans and advances rising to $13.8 billion and net interest margin improving to about 3.15%, supported by robust lending margins and lower attrition. The bank continued to grow i...
Judo Capital Issues New Unquoted Securities Under Employee Incentive Plan
Apr 15, 2026
Judo Capital Holdings has issued 630,437 unquoted securities in the form of deferred share rights and various options under its employee incentive scheme. The issuance, dated April 7, 2026, is not intended to be quoted on the ASX, indicating the c...
Judo Capital Securities Lapse Trims Potential Share Dilution
Apr 15, 2026
Judo Capital Holdings Limited has notified the market of the cessation of certain equity-linked instruments, including deferred share rights and various options, under its security code JDOAH. A total of 264,402 of these securities lapsed on 30 Ma...
Judo Capital Issues 15,900 New Shares from Unquoted Securities Conversion
Apr 15, 2026
Judo Capital Holdings Limited has notified the market of the issue of 15,900 ordinary fully paid shares following the conversion or exercise of previously unquoted securities. The new shares, issued on 17 March 2026, marginally increase the compan...
Judo Capital Seeks ASX Quotation for New Employee Incentive Shares
Mar 31, 2026
Judo Capital Holdings Limited has applied for quotation on the ASX of 206,896 ordinary fully paid shares under its employee incentive scheme, with an issue date of March 31, 2026. The move modestly increases the company’s listed share count ...
Judo Capital appoints new director with no current securities interest
Mar 23, 2026
Judo Capital Holdings Limited has notified the ASX of the appointment of David Stephen as a director, effective 24 March 2026, in line with listing rule 3.19A.1 and the disclosure requirements of the Corporations Act. The initial director’s ...
Judo Capital Seeks ASX Quotation for New Employee Incentive Shares
Mar 13, 2026
Judo Capital Holdings has applied for quotation on the ASX of 15,900 ordinary fully paid shares issued under an employee incentive scheme. The newly issued shares, to be quoted from 13 March 2026, represent a minor increase in the company’s ...
State Street Entities Exit Substantial Holding in Judo Capital
Mar 3, 2026
State Street Corporation, through a group of its global asset management and custody subsidiaries, has lodged a notice that it has ceased to be a substantial shareholder in Judo Capital Holdings Limited as of 27 February 2026. The change indicates...
Judo Capital Director Trims Direct Shareholding to Cover Tax Obligations
Mar 2, 2026
Judo Capital Holdings has disclosed changes in the shareholding of director Christopher James Bayliss, who conducted a series of on-market trades between 23 and 27 February 2026. The transactions, carried out to meet tax obligations, saw Bayliss d...
Judo Capital Director McHutchison Acquires Stake via Family Trust
Feb 24, 2026
Judo Capital Holdings Limited has disclosed a change in director Malcolm Rowland McHutchison’s relevant interest in the company’s securities. The disclosure notes that McHutchison now holds an indirect interest via a family trust struc...
Judo Capital Director Increases Holding of Capital Notes
Feb 23, 2026
Judo Capital Holdings has disclosed a change in the personal holdings of director Peter John Hodgson, who increased his direct interest in the company’s capital notes through an on-market trade. He acquired 500 additional capital notes for $...
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.