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Judo Capital Holdings Limited
(Sydney:JDO)
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Rating:60Neutral
Price Target:
AU$0.96
▼(-44.77% Downside)
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
Strong revenue growth & profitability recovery
A >226% revenue increase and a return to an 8.13% net margin indicate durable loan-book expansion and improving underwriting/pricing. This strengthens the earnings base and provides runway for reinvestment and capital build, supporting multi-month revenue and profit durability.
Negative Factors
Leverage remains elevated
Despite improvement, a debt-to-equity of 1.85 is still relatively high for a regional bank. Elevated leverage constrains capital flexibility, increases sensitivity to credit losses and funding stress, and may force conservative growth or costly capital raises during adverse cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth & profitability recovery
A >226% revenue increase and a return to an 8.13% net margin indicate durable loan-book expansion and improving underwriting/pricing. This strengthens the earnings base and provides runway for reinvestment and capital build, supporting multi-month revenue and profit durability.
Read all positive factors
Judo Capital Holdings Limited (JDO) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$1.02B
Dividend YieldN/A
Average Volume (3M)4.25M
Price to Earnings (P/E)9.8
Beta (1Y)1.51
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$1.69Price Target Upside-2.82% Downside
Rating ConsensusStrong Buy
Number of Analyst Covering10
EPS Forecast (FY)0.13
Revenue Forecast (FY)AU$602.52M
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 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 | -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
Negative
1.74
Price Trends
1.38
Negative
1.49
Negative
1.60
Negative
Market Momentum
-0.13
Positive
26.02
Positive
13.79
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:JDO, the sentiment is Negative. The current price of 1.74 is above the 20-day moving average (MA) of 1.33, above the 50-day MA of 1.38, and above the 200-day MA of 1.60, indicating a bearish trend. The MACD of -0.13 indicates Positive momentum. The RSI at 26.02 is Positive, neither overbought nor oversold. The STOCH value of 13.79 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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% | |
60 Neutral | AU$1.02B | 9.77 | 6.18% | ― | 9.28% | 61.30% | |
57 Neutral | AU$680.62M | 6.29 | 12.70% | 11.71% | -8.26% | 5.26% | |
53 Neutral | AU$772.00M | 15.69 | 6.34% | 4.63% | 44.60% | -7.74% | |
52 Neutral | AU$914.96M | 9.73 | 7.72% | 6.60% | 8.89% | 334.62% | |
51 Neutral | AU$28.51M | 20.69 | 1.13% | ― | -23.53% | ― | |
50 Neutral | AU$992.77M | 7.02 | 12.13% | 11.83% | -4.02% | 17.32% |
* Financial Sector Average
AU:JDO
Judo Capital Holdings Limited
0.91
-0.68
-42.77%
AU:BBC
BNK Banking Corporation Limited
0.24
-0.06
-20.00%
AU:PPM
Pepper Money Ltd
1.52
-0.19
-10.93%
AU:LFS
Latitude Group Holdings Ltd.
0.88
-0.16
-15.79%
AU:LFG
Liberty Financial Group Ltd
3.27
0.22
7.07%
AU:MYS
Mystate Limited
4.53
0.48
11.85%
Judo Capital Holdings Limited Corporate Events
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...
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 ...
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.