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Judo Capital Holdings Limited (AU:JDO)
ASX:JDO
Australian Market

Judo Capital Holdings Limited (JDO) AI Stock Analysis

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AU

Judo Capital Holdings Limited

(Sydney:JDO)

Rating:70Outperform
Price Target:
AU$1.50
▼(-3.23%Downside)
The overall score reflects strong financial performance and short-term technical momentum. However, concerns about cash flows, a high P/E ratio, and the absence of dividend yield present risks.

Judo Capital Holdings Limited (JDO) vs. iShares MSCI Australia ETF (EWA)

Judo Capital Holdings Limited Business Overview & Revenue Model

Company DescriptionJudo 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 bank guarantees. The company was incorporated in 2016 and is based in Southbank, Australia.
How the Company Makes MoneyJudo Capital Holdings Limited makes money primarily through interest income generated from the loans it provides to SMEs. The company earns revenue by charging interest on the various lending products it offers, such as term loans and lines of credit. Additionally, Judo Capital may generate fee income from other banking services, including loan origination fees, account maintenance fees, and transaction fees. The company's focus on SMEs allows it to occupy a niche market where it can deploy its expertise in relationship banking, offering tailored financial solutions that help businesses grow. Key factors contributing to its earnings include strong client relationships, effective risk management practices, and leveraging technology to enhance service delivery and operational efficiency.

Judo Capital Holdings Limited Financial Statement Overview

Summary
Judo Capital Holdings Limited has demonstrated strong revenue growth and profitability, but faces challenges with a low equity ratio and recent cash flow issues. Monitoring leverage and cash generation is advised.
Income Statement
78
Positive
Judo Capital Holdings Limited has shown strong revenue growth over the past few years, with a substantial increase from 2020 to 2024. The gross profit margin is robust, reflecting efficient cost management. However, net profit margin has been fluctuating, with a decrease from 2023 to 2024, indicating some challenges in converting revenue to net income. The EBIT and EBITDA margins are healthy, supporting overall profitability.
Balance Sheet
70
Positive
The company's balance sheet shows a moderate debt-to-equity ratio, suggesting a balanced approach to leverage. The return on equity has been positive, demonstrating effective use of shareholder funds. However, the equity ratio is relatively low, indicating higher financial risk due to significant liabilities.
Cash Flow
65
Positive
The cash flow statement reveals a decline in operating cash flow from 2023 to 2024, which could signal potential issues in cash generation from core operations. Free cash flow has also decreased, impacting the free cash flow to net income ratio. However, the company maintains a reasonable operating cash flow to net income ratio.
BreakdownTTMJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue325.50M326.60M579.60M156.50M131.72M52.67M
Gross Profit1.14B384.80M579.60M156.50M131.72M52.67M
EBITDA103.40M120.70M116.10M0.00-653.00K-48.22M
Net Income64.90M69.90M73.40M-7.70M28.81M-50.84M
Balance Sheet
Total Assets14.04B13.20B12.15B9.41B7.46B2.44B
Cash, Cash Equivalents and Short-Term Investments680.90M654.60M633.00M3.20B3.88B194.69M
Total Debt3.14B3.15B4.52B3.83B3.53B499.35M
Total Liabilities12.41B11.63B10.67B3.85B3.55B1.90B
Stockholders Equity1.63B1.57B1.48B1.40B1.36B543.02M
Cash Flow
Free Cash Flow-1.77B172.40M244.70M71.30M4.47M-24.32M
Operating Cash Flow-1.77B197.80M272.10M84.40M17.16M-18.44M
Investing Cash Flow1.36B-1.03B-2.50B455.10M-4.58B-1.95B
Financing Cash Flow257.50M897.40M2.54B599.80M4.69B2.09B

Judo Capital Holdings Limited Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1.55
Price Trends
50DMA
1.51
Positive
100DMA
1.70
Negative
200DMA
1.78
Negative
Market Momentum
MACD
0.02
Negative
RSI
54.49
Neutral
STOCH
65.86
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 1.55 is above the 20-day moving average (MA) of 1.52, above the 50-day MA of 1.51, and below the 200-day MA of 1.78, indicating a neutral trend. The MACD of 0.02 indicates Negative momentum. The RSI at 54.49 is Neutral, neither overbought nor oversold. The STOCH value of 65.86 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

Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
AUJDO
70
Outperform
AU$1.73B26.544.09%31.62%-22.24%
62
Neutral
AU$9.98B8.0610.79%5.19%32.02%38.31%
$56.61B12.609.75%8.81%
$3.34B16.745.20%2.99%
$4.72B15.016.89%4.51%
$76.00B16.269.85%4.54%
AUCBA
62
Neutral
AU$309.88B31.7313.22%2.43%17.35%0.73%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:JDO
Judo Capital Holdings Limited
1.56
0.32
25.81%
ANZGF
ANZ Group Holdings
18.63
0.78
4.37%
BKQNF
Bank of Queensland
5.11
1.35
35.90%
BXRBF
Bendigo & Adelaide Bank
8.34
1.17
16.32%
WEBNF
Westpac Banking
21.50
4.23
24.49%
AU:CBA
Commonwealth Bank of Australia
184.75
63.05
51.81%

Judo Capital Holdings Limited Corporate Events

Vanguard Group Becomes Substantial Holder in Judo Capital
Jun 25, 2025

Judo Capital Holdings Limited has announced that Vanguard Group, a major investment management company, has become a substantial holder in the company. Vanguard Group now holds a 5.463% voting power with 61,059,435 ordinary shares, indicating a significant investment and potential influence over the company’s decisions.

The most recent analyst rating on (AU:JDO) stock is a Buy with a A$1.75 price target. To see the full list of analyst forecasts on Judo Capital Holdings Limited stock, see the AU:JDO Stock Forecast page.

UBS Group AG Reduces Stake in Judo Capital Holdings
Jun 24, 2025

Judo Capital Holdings Limited has experienced a change in the interests of a substantial holder, UBS Group AG and its related bodies corporate. The voting power of UBS Group AG in Judo Capital Holdings has decreased from 7.88% to 6.07% as of June 20, 2025. This change in voting power indicates a shift in UBS’s investment position, which may impact the company’s shareholder dynamics and influence within the market.

The most recent analyst rating on (AU:JDO) stock is a Buy with a A$1.75 price target. To see the full list of analyst forecasts on Judo Capital Holdings Limited stock, see the AU:JDO Stock Forecast page.

Judo Capital Gains New Substantial Holders, Strengthening Market Position
May 28, 2025

Judo Capital Holdings Limited has announced that ECP Asset Management Pty Ltd and EC Pohl & Co Pty Ltd have become substantial holders in the company, acquiring a combined voting power of 5.3% through their investment management activities. This development signifies a notable increase in institutional investment interest in Judo Capital, potentially enhancing its market position and influence within the financial services sector, particularly in the SME banking segment.

The most recent analyst rating on (AU:JDO) stock is a Buy with a A$1.75 price target. To see the full list of analyst forecasts on Judo Capital Holdings Limited stock, see the AU:JDO Stock Forecast page.

UBS Increases Stake in Judo Capital Holdings
May 27, 2025

UBS Group AG and its related bodies corporate have increased their voting power in Judo Capital Holdings Limited from 6.31% to 7.88% as of May 23, 2025. This change in substantial holding indicates a growing interest and influence of UBS in Judo Capital, potentially impacting the company’s strategic decisions and signaling confidence in its market positioning, which may have implications for other stakeholders and investors.

The most recent analyst rating on (AU:JDO) stock is a Buy with a A$1.75 price target. To see the full list of analyst forecasts on Judo Capital Holdings Limited stock, see the AU:JDO Stock Forecast page.

Judo Capital Announces New Distribution for Capital Notes
May 19, 2025

Judo Capital Holdings Limited has announced a new distribution for its capital notes, JDOPA, with a payment amount of AUD 1.81682000. The distribution is scheduled for payment on August 18, 2025, and is subject to the company’s discretion and standard payment conditions. This announcement highlights Judo’s ongoing commitment to providing returns to its stakeholders, reinforcing its position in the financial services sector.

The most recent analyst rating on (AU:JDO) stock is a Buy with a A$1.75 price target. To see the full list of analyst forecasts on Judo Capital Holdings Limited stock, see the AU:JDO Stock Forecast page.

Yarra Capital Becomes Substantial Holder in Judo Capital
May 14, 2025

Judo Capital Holdings Limited has announced that Yarra Capital Management Limited and its associated entities have become substantial holders in the company, acquiring a 5.10% voting power through ordinary fully paid shares. This development indicates a significant investment and interest from Yarra Capital, which could impact Judo Capital’s market positioning and stakeholder dynamics.

The most recent analyst rating on (AU:JDO) stock is a Buy with a A$1.75 price target. To see the full list of analyst forecasts on Judo Capital Holdings Limited stock, see the AU:JDO Stock Forecast page.

UBS Increases Stake in Judo Capital Holdings
May 9, 2025

UBS Group AG and its related entities have increased their voting power in Judo Capital Holdings Limited from 5.27% to 6.31% as of May 7, 2025. This change in substantial holding indicates a growing interest and investment by UBS in Judo Capital, which may influence the company’s strategic direction and market positioning.

Judo Capital’s Financial Update Aligns with Market Expectations
May 8, 2025

Judo Capital Holdings Limited has released a financial update indicating that its gross loans and advances (GLA) at the end of March 2025 were $11.7 billion, with subdued growth due to seasonal factors and portfolio management. The company’s margins on new lending remained strong at 4.6%, contributing to a blended lending margin of 4.3%. The AAA lending pipeline has grown to $1.6 billion, aligning with the company’s guidance for future growth. Term deposit balances increased to $9.2 billion, with the cost of deposits consistent with expectations. Overall, Judo Capital does not consider any of these data points to have a material effect on its securities’ price or value, as they align with previously issued guidance and market expectations.

UBS Group AG Acquires Significant Stake in Judo Capital Holdings
May 5, 2025

Judo Capital Holdings Limited has seen UBS Group AG and its related entities become a substantial holder in the company, acquiring a 5.27% voting power through various branches and fund management entities. This development indicates a significant interest from UBS in Judo Capital, potentially impacting the company’s market positioning and signaling confidence in its operations, which could influence other stakeholders and investors.

Judo Bank Reports Strategic Progress and Cautious Growth Amid Market Volatility
May 1, 2025

Judo Capital Holdings Limited has reported its year-to-date financial performance, highlighting its strategic focus on achieving significant operating leverage by the second half of 2025. The bank has expanded its operations by recruiting experienced relationship bankers and migrating to a new core deposit platform, enhancing its product suite flexibility. Despite a subdued net growth in gross loans and advances due to seasonality and portfolio management impacts, the bank maintains strong lending margins and a robust capital position. Judo’s outlook reflects cautious growth expectations amid market volatility, with plans to manage expenses and target profit growth in the coming years.

Judo Capital Issues New Securities Under Employee Incentive Scheme
Apr 15, 2025

Judo Capital Holdings Limited announced the issuance of 3,236 ordinary fully paid securities on April 15, 2025, as part of an employee incentive scheme. This move is expected to enhance employee engagement and align interests with the company’s growth objectives, potentially strengthening its market position and benefiting stakeholders.

Judo Capital Announces Registry Office Relocation
Apr 11, 2025

Judo Capital Holdings Limited has announced a change in the address of its registry office in Sydney, effective from April 14, 2025. The registry, managed by MUFG Corporate Markets (AU) Limited, will move to a new location at Liberty Place, 161 Castlereagh St, Sydney, while maintaining the same telephone numbers and postal address. This relocation is part of the company’s operational updates and is expected to streamline its registry services.

UBS Group AG Ceases Substantial Holding in Judo Capital
Apr 10, 2025

UBS Group AG and its related bodies corporate have ceased to be substantial shareholders of Judo Capital Holdings Limited as of April 8, 2025. This change in shareholding may impact Judo Capital’s market positioning and influence investor perceptions, as UBS Group AG’s involvement was previously significant.

Judo Capital Issues Unquoted Equity Securities to Boost Employee Incentives
Apr 10, 2025

Judo Capital Holdings Limited has announced the issuance of 541,191 unquoted equity securities, specifically deferred share rights and various options, under an employee incentive scheme. This move is part of the company’s strategy to align employee interests with company performance, potentially enhancing motivation and retention, which could positively impact its operations and market positioning.

Judo Capital Issues New Securities to Enhance Financial Flexibility
Apr 10, 2025

Judo Capital Holdings Limited has announced the issuance of 60,282 ordinary fully paid securities, effective April 7, 2025. This move reflects the company’s ongoing efforts to manage its equity structure and potentially enhance its financial flexibility. The issuance of these securities may have implications for the company’s market positioning and could be of interest to stakeholders monitoring Judo Capital’s strategic financial maneuvers.

Judo Capital Announces Cessation of Securities
Apr 10, 2025

Judo Capital Holdings Limited announced the cessation of 1,423,079 deferred share rights and various options due to the lapse of conditional rights, as the conditions were not met or became incapable of being satisfied. This announcement may impact the company’s capital structure and could have implications for stakeholders, reflecting a potential shift in the company’s strategic financial management.

Judo Capital Expands Equity Base with New Securities Issuance
Apr 10, 2025

Judo Capital Holdings Limited has announced the issuance and conversion of 612,844 unquoted equity securities, which are set to be fully paid ordinary shares. This move reflects the company’s ongoing efforts to enhance its capital structure, potentially strengthening its market position and offering more robust support to its SME-focused banking operations.

State Street Corporation Ceases Substantial Holding in Judo Capital
Apr 9, 2025

Judo Capital Holdings Limited has announced a change in its substantial holding status, with State Street Corporation and its subsidiaries ceasing to be substantial holders as of April 7, 2025. This change may impact the company’s voting securities and could influence its market dynamics, affecting stakeholders involved with Judo Capital Holdings Limited.

Judo Capital Sees Shift in Substantial Shareholders
Apr 8, 2025

Judo Capital Holdings Limited has announced a significant change in its substantial holders, with State Street Bank and Trust Company and its associates now holding a relevant interest in a large number of voting shares. This development indicates a shift in the company’s shareholder structure, potentially impacting its governance and strategic direction. The involvement of major financial institutions like State Street suggests increased institutional interest and could influence the company’s market positioning and stakeholder dynamics.

State Street Ceases Substantial Holding in Judo Capital
Apr 3, 2025

Judo Capital Holdings Limited has announced that State Street Corporation and its subsidiaries have ceased to be substantial holders in the company as of April 1, 2025. This change in substantial holding may impact the company’s shareholder structure and could influence its market dynamics and investor relations.

Judo Capital Announces Substantial Holding by State Street
Apr 2, 2025

Judo Capital Holdings Limited has announced a substantial holding update, indicating that State Street Bank and Trust Company and its associates have acquired a significant number of voting shares. This acquisition grants them considerable voting power and control over the exercise of rights attached to these securities. The announcement highlights the involvement of major financial institutions, suggesting a strategic move that could impact Judo Capital’s market positioning and influence its stakeholder relationships.

Judo Capital Expands Market Presence with New Securities Quotation
Apr 2, 2025

Judo Capital Holdings Limited has announced the quotation of 60,282 ordinary fully paid securities on the Australian Securities Exchange (ASX) as of April 2, 2025. This move, part of an employee incentive scheme, reflects the company’s ongoing efforts to enhance its market presence and incentivize its workforce, potentially impacting its operational dynamics and stakeholder interests positively.

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.Date of analysis: Jun 26, 2025