Healthy Equity RatioA healthy equity ratio indicates durable financial stability for a holding company. It provides a cushion against valuation swings in portfolio assets, supports ongoing investments in fintech holdings, and preserves strategic flexibility to fund growth without immediate reliance on external debt.

Fintech-focused Investment ModelA focused investment mandate in fintech and provision of strategic support to portfolio companies creates a specialized competitive advantage. As fintech structural growth continues, this positioning should produce durable deal flow, expertise-driven value creation and potential for higher-quality exits over the medium term.

Revenue Growth TrendSustained top-line growth supports long-term scalability of a holding's fee and investment income. Increasing revenue implies stronger portfolio performance or recurring income sources, enhancing potential for future realizations and reinvestment capacity even if margin recovery is required.

Bears Say

Negative Operating Cash FlowPersistent negative operating cash flow is a structural concern for an investment holding: it can force asset disposals, external financing or share issuance to fund operations and support portfolio companies. Over time this reduces strategic optionality and can dilute returns to shareholders.

Volatile ProfitabilityMaterial volatility in net income and inconsistent EBIT/EBITDA margins hinder predictability of distributable earnings and capital allocation. For a holding company, this variability makes planning exits, dividend policies and reinvestment strategies more difficult and heightens execution risk.

Earnings Dependent On RealizationsA business model reliant on realized gains and portfolio valuation swings creates lumpy, timing-dependent income. This structural dependence limits recurring cash generation and increases sensitivity to exit markets, constraining steady funding for operations or sustained support of portfolio companies.

A7A FAQ

What was FinLab AG’s price range in the past 12 months?

FinLab AG lowest stock price was €9.94 and its highest was €16.49 in the past 12 months.

What is FinLab AG’s market cap?

FinLab AG’s market cap is €127.07M.

When is FinLab AG’s upcoming earnings report date?

FinLab AG’s upcoming earnings report date is May 05, 2026 which is in 73 days.

How were FinLab AG’s earnings last quarter?

FinLab AG released its earnings results on Sep 30, 2025. The company reported €4.815 earnings per share for the quarter, beating the consensus estimate of N/A by €4.815.

Is FinLab AG overvalued?

According to Wall Street analysts FinLab AG’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does FinLab AG pay dividends?

FinLab AG does not currently pay dividends.

What is FinLab AG’s EPS estimate?

FinLab AG’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does FinLab AG have?

FinLab AG has 9,011,768 shares outstanding.

What happened to FinLab AG’s price movement after its last earnings report?

FinLab AG reported an EPS of €4.815 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.284%.

Which hedge fund is a major shareholder of FinLab AG?

Currently, no hedge funds are holding shares in DE:A7A

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

FinLab AG Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

―

Trailing 12-Months

Asset Growth

34.13%

Trailing 12-Months

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Company Description

FinLab AG

Heliad AG (formerly known as FinLab AG) is a venture capital firm specializing in growth capital, early venture and follow-on investment in fintech companies. The firm also tends to make fund of fund investments in venture capital funds. It prefers to invest in blockchain, online financial services and financial technology and software sector. It seeks to invest in Germany, Europe, and globally, primarily in the United States and Asia. For fund of fund investments, the firm seeks to invest in funds specializing in fintech companies especially in the US and Asia. It also considers co-investment opportunities. It makes both minority and majority venture capital investments. Heliad AG was founded in 2003 and is based in Frankfurt am Main, Germany.