FinLab AG (DE:A7A)
XETRA:A7A
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FinLab AG
(XETRA:A7A)
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Rating:54Neutral
Price Target:
€15.00
▼(-5.66% Downside)
Action:ReiteratedDate:04/03/26
The score is held back primarily by weak financial quality—especially negative operating/free cash flow in 2024–2025 and sharply contracting revenue—along with bearish technical trends. These are partially offset by an extremely low P/E valuation and a moderately supportive balance sheet.
Positive Factors
Asset-light fintech company-builder model
FinLab’s core model—building and investing in fintech ventures—creates multiple durable value channels: equity revaluations, disposals, dividends and operating income from built ventures. This diversified, asset-light approach supports long-term value capture even if individual holdings fluctuate.
Negative Factors
Negative operating and free cash flow
Sustained negative operating and free cash flow despite reported net income indicates weak cash conversion and raises funding risk. Over months this forces reliance on asset disposals or external capital, constraining strategic flexibility and endangering investment and build-out plans.
Read all positive and negative factors
Positive Factors
Negative Factors
Asset-light fintech company-builder model
FinLab’s core model—building and investing in fintech ventures—creates multiple durable value channels: equity revaluations, disposals, dividends and operating income from built ventures. This diversified, asset-light approach supports long-term value capture even if individual holdings fluctuate.
Read all positive factors
FinLab AG (A7A) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€125.26M
Dividend YieldN/A
Average Volume (3M)4.21K
Price to Earnings (P/E)0.5
Beta (1Y)0.58
Revenue Growth-73.69%
EPS Growth251.19%
CountryDE
Employees9
SectorFinancial
Sector Strength70
IndustryAsset Management
Share Statistics
EPS (TTM)N/A
Shares Outstanding9,011,768
10 Day Avg. Volume3,378
30 Day Avg. Volume4,206
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)1.79
Price to Sales (P/S)148.70
P/FCF Ratio-92.32
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
FinLab AG Business Overview & Revenue Model
Company Description
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 prefer...
How the Company Makes Money
FinLab AG makes money primarily through (1) value creation and monetization of its equity stakes in portfolio companies and (2) recurring income linked to the development and operation of financial-services ventures it builds or co-builds. Key eco...
FinLab AG Financial Statement Overview
Summary
Income Statement
55
Neutral
Balance Sheet
70
Positive
Cash Flow
35
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 871.00K | 3.67M | 4.24M | 2.06M | 5.42M |
| Gross Profit | -1.46M | 1.41M | -182.00K | 2.08M | 7.50M |
| EBITDA | 116.55M | 32.13M | -18.17M | 486.63K | 198.18K |
| Net Income | 106.94M | 30.57M | -15.61M | 2.04M | -347.58K |
Balance Sheet | |||||
| Total Assets | 96.65M | 97.64M | 91.27M | 60.85M | 59.28M |
| Cash, Cash Equivalents and Short-Term Investments | 2.06M | 6.66M | 10.42M | 2.76M | 8.47M |
| Total Debt | 22.22M | 18.41M | 14.94M | 46.00K | 39.00K |
| Total Liabilities | 24.20M | 21.05M | 17.43M | 1.98M | 2.45M |
| Stockholders Equity | 72.45M | 76.60M | 73.85M | 58.87M | 56.84M |
Cash Flow | |||||
| Free Cash Flow | -1.40M | -2.02M | 721.00 | 3.41K | 50.80K |
| Operating Cash Flow | -1.40M | -2.02M | 721.00 | 3.41K | 50.80K |
| Investing Cash Flow | -6.80M | -4.24M | -1.64K | -9.02K | 0.00 |
| Financing Cash Flow | 3.60M | 2.50M | 8.66M | 0.00 | 0.00 |
FinLab AG Technical Analysis
Positive
15.90
Price Trends
13.87
Positive
14.51
Positive
14.76
Positive
Market Momentum
0.17
Negative
69.70
Neutral
97.14
Negative
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 15.9 is above the 20-day moving average (MA) of 13.82, above the 50-day MA of 13.87, and above the 200-day MA of 14.76, indicating a bullish trend. The MACD of 0.17 indicates Negative momentum. The RSI at 69.70 is Neutral, neither overbought nor oversold. The STOCH value of 97.14 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:A7A.
FinLab AG 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% | |
61 Neutral | €645.57M | 0.68 | 4.72% | 6.77% | 14.56% | ― | |
55 Neutral | €84.12M | 2.93 | 20.85% | 3.71% | -29.22% | ― | |
54 Neutral | €125.26M | 0.49 | 145.03% | ― | -73.69% | 251.19% | |
46 Neutral | €205.24M | -2.79 | -11.02% | 1.41% | ― | ― |
* Financial Sector Average
DE:A7A
FinLab AG
13.85
-0.26
-1.84%
DE:B7E
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18.75
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22.55%
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2.58
0.46
21.70%
DE:MUX
Mutares SE & Co. KGaA
25.75
-5.65
-17.99%
DE:SVE
Shareholder Value Beteiligungen AG
71.00
-7.00
-8.97%
DE:BKHT
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18.90
2.50
15.24%
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.