FinLab AG (DE:A7A)
XETRA:A7A
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FinLab AG
(XETRA:A7A)
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Rating:54Neutral
Price Target:
€13.50
▼(-15.09% 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
Fintech-focused investment holding
As a specialist holding in fintech, FinLab has structural exposure to a fast-evolving sector and optionality across multiple portfolio companies. The model lets the firm capture asymmetric upside from exits and sector growth while providing strategic support that can improve long-term realization prospects.
Negative Factors
Negative operating & free cash flow
Sustained negative operating and free cash flow is a durable risk: it undermines the company's ability to fund investments internally, forces reliance on asset disposals or external financing, and indicates a disconnect between reported earnings and cash accessibility for capital allocation.
Read all positive and negative factors
Positive Factors
Negative Factors
Fintech-focused investment holding
As a specialist holding in fintech, FinLab has structural exposure to a fast-evolving sector and optionality across multiple portfolio companies. The model lets the firm capture asymmetric upside from exits and sector growth while providing strategic support that can improve long-term realization prospects.
Read all positive factors
FinLab AG (A7A) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€124.81M
Dividend YieldN/A
Average Volume (3M)4.21K
Price to Earnings (P/E)1.2
Beta (1Y)0.56
Revenue GrowthN/A
EPS GrowthN/A
CountryDE
Employees9
SectorFinancial
Sector Strength70
IndustryAsset Management
Share Statistics
EPS (TTM)4.82
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)0.6
Revenue Forecast (FY)€500.00K
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 primarily makes money through its investment activities as a holding company. Key economic drivers typically include (1) realized gains from selling equity stakes in portfolio companies (e.g., exits, trade sales, secondary sales, IPO-rel...
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
Neutral
15.90
Price Trends
14.06
Negative
14.52
Negative
14.74
Negative
Market Momentum
-0.09
Negative
53.91
Neutral
77.95
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:A7A, the sentiment is Neutral. The current price of 15.9 is above the 20-day moving average (MA) of 13.65, above the 50-day MA of 14.06, and above the 200-day MA of 14.74, indicating a neutral trend. The MACD of -0.09 indicates Negative momentum. The RSI at 53.91 is Neutral, neither overbought nor oversold. The STOCH value of 77.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 | €654.54M | 0.68 | 4.72% | 6.77% | 14.56% | ― | |
55 Neutral | €79.86M | 2.93 | 20.85% | 3.71% | -29.22% | ― | |
54 Neutral | €124.81M | 1.21 | 145.03% | ― | ― | ― | |
46 Neutral | €181.71M | -8.03 | -11.02% | 1.41% | 8.80% | -1561.66% |
* Financial Sector Average
DE:A7A
FinLab AG
13.95
2.13
18.02%
DE:B7E
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17.95
2.28
14.55%
DE:PZS
Scherzer & Co. AG
2.58
0.50
24.04%
DE:MUX
Mutares SE & Co. KGaA
25.25
-3.56
-12.36%
DE:SVE
Shareholder Value Beteiligungen AG
71.50
-4.00
-5.30%
DE:BKHT
Brockhaus Technologies AG
16.50
0.50
3.13%
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.