FinLab AG (A7A) AI Stock Analysis

• Market Cap: €136.98M
• Dividend Yield: N/A
• Average Volume (3M): 4.15K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.85
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: DE
• Employees: 9
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 4.82
• Shares Outstanding: 9,010,998
• 10 Day Avg. Volume: 3,133
• 30 Day Avg. Volume: 4,146
• PEG Ratio: >-0.01
• Price to Book (P/B): 1.09
• Price to Sales (P/S): 22.81
• P/FCF Ratio: -41.34
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 0.51
• Revenue Forecast (FY): €426.36K

• Rating: 48 Neutral
• Price Target: €14.50 ▼(-8.81% Downside)

FinLab AG's overall stock score is primarily influenced by financial performance challenges, particularly in profitability and cash flow. Technical indicators suggest a bearish trend, but oversold conditions could offer a rebound opportunity. Valuation uncertainty further impacts the score.

Positive Factors

Revenue Growth

Strong revenue growth indicates successful business expansion and increased market penetration, which can enhance long-term profitability and market position.

Business Model Strength

A diversified revenue model reduces risk and enhances stability by capitalizing on the growth of portfolio companies, providing multiple income streams and potential for capital gains.

Financial Stability

A strong equity ratio indicates a solid financial foundation, reducing reliance on debt and enhancing the company's ability to withstand economic fluctuations.

Negative Factors

Cash Flow Concerns

Negative operating cash flow suggests potential liquidity issues, which can hinder the company's ability to fund operations and invest in growth opportunities.

Profitability Volatility

Volatile profitability can affect investor confidence and limit reinvestment capabilities, posing challenges to sustaining long-term growth and operational efficiency.

Operational Efficiency

Inconsistent margins indicate challenges in maintaining cost control and efficiency, which can impact profitability and competitive positioning over time.

FinLab AG Business Overview & Revenue Model

Company Description

FinLab AG (A7A) is a leading investment company based in Germany, primarily focused on the fintech sector. The company specializes in identifying, financing, and developing innovative technology-driven businesses that aim to disrupt traditional financial services. With a strong emphasis on digital banking, payments, and blockchain technology, FinLab AG provides a platform for startups to grow and scale, while also generating value for its investors through strategic partnerships and collaborations.

How the Company Makes Money

FinLab AG generates revenue through a diversified model primarily centered around equity stakes in its portfolio companies. The company invests in early-stage fintech startups, which allows it to benefit from the growth and success of these businesses through capital appreciation and potential exit strategies, such as IPOs or acquisitions. Additionally, FinLab AG may earn management fees and performance-based incentives from its investments. Strategic partnerships with established financial institutions and other investors also enhance its revenue opportunities by providing access to larger markets and co-investment opportunities, contributing to its overall earnings.

FinLab AG Financial Statement Overview

Summary

FinLab AG shows promising revenue growth but faces challenges with profitability and cash flow volatility. The balance sheet is stable, yet operational cash generation needs improvement.

Income Statement

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.97M	3.67M	4.24M	2.06M	5.42M	3.30M
Gross Profit	1.33M	1.41M	-182.00K	2.08M	7.50M	2.89M
EBITDA	79.60M	32.13M	-18.17M	486.63K	198.18K	-632.69K
Net Income	72.24M	30.57M	-15.61M	2.04M	-347.58K	341.98K
Balance Sheet
Total Assets	96.45M	97.64M	91.27M	60.85M	59.28M	58.92M
Cash, Cash Equivalents and Short-Term Investments	2.65M	6.66M	10.42M	2.76M	8.47M	6.23M
Total Debt	19.84M	18.41M	14.94M	46.00K	39.00K	78.00K
Total Liabilities	21.43M	21.05M	17.43M	1.98M	2.45M	2.36M
Stockholders Equity	75.03M	76.60M	73.85M	58.87M	56.84M	56.56M
Cash Flow
Free Cash Flow	-1.18M	-2.02M	721.00	3.41K	50.80K	2.23M
Operating Cash Flow	-1.18M	-2.02M	721.00	3.41K	50.80K	2.26M
Investing Cash Flow	-1.09M	-4.24M	-1.64K	-9.02K	0.00	-2.67M
Financing Cash Flow	1.00M	2.50M	8.66M	0.00	0.00	-203.00K

FinLab AG Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.90
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 15.9 is above the 20-day moving average (MA) of 14.61, above the 50-day MA of 15.17, and above the 200-day MA of 14.36, indicating a bullish trend. The MACD of 0.06 indicates Negative momentum. The RSI at 56.96 is Neutral, neither overbought nor oversold. The STOCH value of 75.00 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
B7E	63 Neutral	€81.65M	3.99	8.40%	3.57%	-29.22%	―
MUX	61 Neutral	€616.93M	16.08	4.23%	6.90%	14.56%	―
A7A	48 Neutral	€136.98M	―	―	―	―	―
BKHT	41 Neutral	€112.75M	-1.94	―	2.14%	8.80%	-1561.66%