Judo Capital Holdings Limited (JDO) AI Stock Analysis

• Market Cap: AU$1.94B
• Dividend Yield: N/A
• Average Volume (3M): 4.28M
• Price to Earnings (P/E): 22.4
• Beta (1Y): 1.10
• Revenue Growth: 16.78%
• EPS Growth: 22.86%
• Country: AU
• Employees: 548
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.04
• Shares Outstanding: 1,118,225,600
• 10 Day Avg. Volume: 3,247,932
• 30 Day Avg. Volume: 4,276,614
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$2.13
• Price Target Upside: 22.41% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 8

• Rating: 66 Neutral
• Price Target: AU$2.00 ▲(14.94% Upside)

Judo Capital Holdings Limited shows strong revenue growth and improving profitability, which are significant strengths. The technical indicators suggest a positive trend, supporting the stock's potential. However, high leverage and cash flow challenges pose risks. The valuation is moderate, with a P/E ratio indicating fair pricing, but the lack of a dividend yield may deter some investors.

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 bank guarantees. The company was incorporated in 2016 and is based in Southbank, Australia.

How the Company Makes Money

Judo Capital Holdings Limited generates revenue primarily through interest income from the various lending products it offers to small and medium-sized enterprises. The company's key revenue streams include interest earned on business loans, equipment financing, and other credit facilities provided to its customers. Additionally, Judo Capital may earn income from fees associated with loan origination and servicing. The company's focus on the SME sector allows it to cater to a niche market with specialized financial needs, and its use of technology helps streamline operations and reduce costs, enhancing profitability. Strategic partnerships with other financial institutions and technology providers can also contribute to its earnings by expanding its reach and improving its service offerings.

Judo Capital Holdings Limited Financial Statement Overview

Summary

Judo Capital Holdings Limited shows strong revenue growth and improved profitability, indicating a positive business trajectory. However, high leverage and cash flow challenges pose risks to financial stability.

Income Statement

Judo Capital Holdings Limited has shown impressive revenue growth with a 226.51% increase in the latest year, indicating strong business expansion. The net profit margin improved significantly to 8.13% from negative figures in earlier years, reflecting enhanced profitability. However, the gross profit margin has decreased, suggesting rising costs or pricing pressures. Overall, the income statement reflects a positive growth trajectory with improving profitability.

Balance Sheet

The company's debt-to-equity ratio has improved from 3.06 to 1.85, indicating better leverage management. However, it remains relatively high, posing potential financial risk. The return on equity has improved to 5.12%, showing better utilization of shareholder funds. The equity ratio is stable, suggesting a balanced asset structure. While improvements are evident, high leverage remains a concern.

Cash Flow

Operating cash flow has decreased, and free cash flow growth is negative, indicating potential cash management challenges. The free cash flow to net income ratio is strong at 1.45, suggesting efficient cash generation relative to earnings. However, the decline in cash flow metrics warrants attention to ensure liquidity and operational stability.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.06B	1.06B	326.60M	579.60M	156.50M	131.72M
Gross Profit	334.70M	334.70M	384.80M	579.60M	156.50M	131.72M
EBITDA	125.60M	141.10M	120.70M	116.10M	0.00	-653.00K
Net Income	86.40M	86.40M	69.90M	73.40M	-7.70M	28.81M
Balance Sheet
Total Assets	14.98B	14.98B	13.20B	12.15B	9.41B	7.46B
Cash, Cash Equivalents and Short-Term Investments	2.47B	2.47B	654.60M	633.00M	3.20B	3.88B
Total Debt	3.12B	3.12B	3.15B	4.52B	3.83B	3.53B
Total Liabilities	13.29B	13.29B	11.63B	10.67B	3.85B	3.55B
Stockholders Equity	1.69B	1.69B	1.57B	1.48B	1.40B	1.36B
Cash Flow
Free Cash Flow	-712.60M	125.50M	172.40M	244.70M	71.30M	4.47M
Operating Cash Flow	-712.60M	136.60M	197.80M	272.10M	84.40M	17.16M
Investing Cash Flow	-824.70M	-21.20M	-1.03B	-2.50B	455.10M	-4.58B
Financing Cash Flow	1.62B	-30.70M	897.40M	2.54B	599.80M	4.69B

Judo Capital Holdings Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.74
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 1.72, above the 50-day MA of 1.68, and above the 200-day MA of 1.71, indicating a bullish trend. The MACD of 0.02 indicates Positive momentum. The RSI at 53.93 is Neutral, neither overbought nor oversold. The STOCH value of 50.09 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LFG	74 Outperform	AU$1.32B	9.88	―	5.52%	2.11%	15.71%
JDO	66 Neutral	AU$1.94B	22.42	5.31%	―	16.78%	22.86%
MYS	66 Neutral	AU$707.60M	15.80	―	5.16%	26.01%	-17.55%
PPM	65 Neutral	AU$880.14M	8.82	―	9.55%	-6.49%	-5.40%
LFS	51 Neutral	AU$1.20B	20.32	1.76%	6.09%	14.81%	―
BBC	45 Neutral	AU$34.44M	26.85	―	―	-7.19%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Judo Capital Holdings Limited Corporate Events

Judo Capital Announces New Securities Quotation

Judo Capital Holdings Limited announced the issuance of 15,897 ordinary fully paid securities under an employee incentive scheme, which will be quoted on the Australian Securities Exchange (ASX). This move is part of the company’s strategy to align employee interests with its growth objectives, potentially enhancing its market position and stakeholder value.

The most recent analyst rating on (AU:JDO) stock is a Buy with a A$1.90 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 Upcoming Distribution on Capital Notes

Judo Capital Holdings Limited has announced a new distribution payment on its capital notes, JDOPA, with a distribution amount of AUD 1.78026000. The payment is scheduled for 17 November 2025, with an ex-date of 6 November 2025 and a record date of 7 November 2025. The distribution is subject to the company’s discretion and standard payment conditions, reflecting Judo Capital’s ongoing commitment to providing returns to its 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.