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FinLab AG (DE:A7A)
XETRA:A7A
Germany Market
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FinLab AG (A7A) AI Stock Analysis

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DE:A7A

FinLab AG

(XETRA:A7A)

Rating:57Neutral
Price Target:
FinLab AG shows potential for growth due to recent revenue increases and a strong equity base, but faces challenges in profitability and cash flow stability. Technical indicators suggest short-term positive momentum, although signs of possible bearish trends exist. The lack of valuation metrics adds uncertainty to the stock's assessment.

FinLab AG (A7A) vs. iShares MSCI Germany ETF (EWG)

FinLab AG Business Overview & Revenue Model

Company DescriptionHeliad 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.
How the Company Makes MoneyFinLab AG generates revenue through several key streams. The primary source of income is the appreciation of its investments in fintech and blockchain startups. By holding equity in these ventures, FinLab benefits from any increase in their valuation over time. Additionally, the company earns management fees and performance-based incentives through its asset management activities. FinLab may also engage in partnerships with other investors or financial institutions to co-invest in promising startups, further diversifying its revenue sources. These strategic collaborations can enhance the company's investment portfolio and contribute to its overall financial performance.

FinLab AG Financial Statement Overview

Summary
FinLab AG displays promising growth potential with recent revenue increases, but the financial health shows volatility, especially with profitability and cash flow metrics. The balance sheet suggests stability through a solid equity base, but operational cash generation needs attention to support sustainable growth.
Income Statement
55
Neutral
FinLab AG shows a significant increase in revenue from the previous year, indicating strong growth. However, the net income has fluctuated considerably, with prior periods showing losses, which impacts the net profit margin negatively. The EBIT and EBITDA margins are inconsistent, reflecting volatility in operational efficiency.
Balance Sheet
65
Positive
The company has a healthy equity ratio, demonstrating strong financial stability. However, the debt-to-equity ratio is modest, indicating manageable leverage. The return on equity has varied greatly, peaking in 2024, which suggests potential for high returns but also highlights past instability.
Cash Flow
45
Neutral
The operating cash flow has been negative in recent years, posing concerns about liquidity. Free cash flow has also been inconsistent, with negative values indicating potential cash constraints. The company needs to improve operational cash generation to enhance financial health.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue3.67M1.53M2.27M7.82M3.30M
Gross Profit1.41M-182.00K2.08M7.50M2.89M
EBITDA32.13M54.13M486.63K198.18K-632.69K
Net Income30.57M2.04M-347.58K341.98K
Balance Sheet
Total Assets97.64M91.27M60.85M59.28M58.92M
Cash, Cash Equivalents and Short-Term Investments6.66M10.42M2.76M8.47M6.23M
Total Debt18.41M14.94M46.00K39.00K78.00K
Total Liabilities21.05M17.43M1.98M2.45M2.36M
Stockholders Equity76.60M73.85M58.87M56.84M56.56M
Cash Flow
Free Cash Flow-2.02M721.003.41K50.80K2.23M
Operating Cash Flow-2.02M721.003.41K50.80K2.26M
Investing Cash Flow-4.24M-1.64K-9.02K0.00-2.67M
Financing Cash Flow2.50M8.66K0.000.00-203.00K

FinLab AG Technical Analysis

Technical Analysis Sentiment
Positive
Last Price14.90
Price Trends
50DMA
14.25
Positive
100DMA
13.68
Positive
200DMA
12.03
Positive
Market Momentum
MACD
0.20
Negative
RSI
57.08
Neutral
STOCH
54.76
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:A7A, the sentiment is Positive. The current price of 14.9 is above the 20-day moving average (MA) of 14.23, above the 50-day MA of 14.25, and above the 200-day MA of 12.03, indicating a bullish trend. The MACD of 0.20 indicates Negative momentum. The RSI at 57.08 is Neutral, neither overbought nor oversold. The STOCH value of 54.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:A7A.

FinLab AG Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
70
Neutral
€76.72M5.820.48%3.78%-24.50%
68
Neutral
$17.10B11.449.70%3.58%11.11%-4.78%
57
Neutral
€125.31M
€63.64M44.402.00%2.14%
49
Neutral
€682.87M-46.48%6.23%12.21%-199.48%
€62.54M4.10-19.20%
€140.66M-3.16%1.65%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
DE:A7A
FinLab AG
14.90
4.95
49.75%
DE:B7E
Blue Cap AG
17.20
1.34
8.45%
DE:PZS
Scherzer & Co. AG
2.36
0.12
5.36%
DE:MUX
Mutares SE & Co. KGaA
32.10
2.02
6.72%
DE:SVE
Shareholder Value Beteiligungen AG
90.00
9.50
11.80%
GB:0AAW
Brockhaus Technologies AG
13.45
-16.85
-55.61%
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: Apr 24, 2025