FinLab AG (A7A) AI Stock Analysis

• Market Cap: €125.31M
• Dividend Yield: N/A
• Average Volume (3M): 2.35K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.60
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: DE
• Employees: 9
• Sector: Financial
• Sector Strength: 72
• Industry: Asset Management
• EPS (TTM): N/A
• Shares Outstanding: 8,410,265
• 10 Day Avg. Volume: 4,579
• 30 Day Avg. Volume: 2,348
• PEG Ratio: -0.22
• Price to Book (P/B): 1.56
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -110.82
• 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: €24.20
• Price Target Upside: 62.42% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 57 Neutral
• 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 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 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 Money

FinLab 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

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.67M	1.53M	2.27M	7.82M	3.30M
Gross Profit	1.41M	-182.00K	2.08M	7.50M	2.89M
EBITDA	32.13M	54.13M	486.63K	198.18K	-632.69K
Net Income	30.57M	―	2.04M	-347.58K	341.98K
Balance Sheet
Total Assets	97.64M	91.27M	60.85M	59.28M	58.92M
Cash, Cash Equivalents and Short-Term Investments	6.66M	10.42M	2.76M	8.47M	6.23M
Total Debt	18.41M	14.94M	46.00K	39.00K	78.00K
Total Liabilities	21.05M	17.43M	1.98M	2.45M	2.36M
Stockholders Equity	76.60M	73.85M	58.87M	56.84M	56.56M
Cash Flow
Free Cash Flow	-2.02M	721.00	3.41K	50.80K	2.23M
Operating Cash Flow	-2.02M	721.00	3.41K	50.80K	2.26M
Investing Cash Flow	-4.24M	-1.64K	-9.02K	0.00	-2.67M
Financing Cash Flow	2.50M	8.66K	0.00	0.00	-203.00K

FinLab AG Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.90
• 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 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
B7E	70 Neutral	€76.72M	5.82	0.48%	3.78%	-24.50%	―
Sector *	68 Neutral	$17.10B	11.44	9.70%	3.58%	11.11%	-4.78%
A7A	57 Neutral	€125.31M	―		―	―	―
PZS	―	€63.64M	44.40	2.00%	2.14%	―	―
MUX	49 Neutral	€682.87M	―	-46.48%	6.23%	12.21%	-199.48%
SVE	―	€62.54M	4.10	-19.20%	―	―	―
0AAW	―	€140.66M	―	-3.16%	1.65%	―	―