Grand City Properties SA (GYC) AI Stock Analysis

• Market Cap: €1.86B
• Dividend Yield: N/A
• Average Volume (3M): 109.31K
• Price to Earnings (P/E): 3.6
• Beta (1Y): 0.35
• Revenue Growth: 0.44%
• EPS Growth: N/A
• Country: DE
• Employees: 614
• Sector: Real Estate
• Sector Strength: 53
• Industry: Real Estate - Services
• EPS (TTM): 0.92
• Shares Outstanding: 176,187,900
• 10 Day Avg. Volume: 109,224
• 30 Day Avg. Volume: 109,305
• PEG Ratio: -0.06
• Price to Book (P/B): 0.41
• Price to Sales (P/S): 4.80
• P/FCF Ratio: 7.20
• 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: €13.13
• Price Target Upside: 18.50% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4
• EPS Forecast (FY): 1.69
• Revenue Forecast (FY): €600.12M

• Rating: 61 Neutral
• Price Target: €10.00 ▼(-9.75% Downside)
• Action: Reiterated Date: 12/20/25
• Date: Action: Reiterated 12/20/25

The overall stock score is driven by strong valuation metrics, suggesting the stock is undervalued. However, bearish technical indicators and potential risks in cash flow and operational efficiency weigh on the score. The financial performance is solid but requires monitoring of cash flow and operational stability.

Positive Factors

Revenue Growth

The strong revenue growth rate indicates robust market demand and effective business strategies, positioning the company well for future expansion.

Profitability

A high net profit margin reflects strong cost control and pricing power, enhancing the company's ability to generate sustainable profits over time.

Balance Sheet Health

A moderate debt-to-equity ratio suggests prudent financial management, providing stability and flexibility for future investments and growth.

Negative Factors

Free Cash Flow Decline

A decline in free cash flow growth could impact liquidity and limit the company's ability to reinvest in growth opportunities or weather economic downturns.

Operational Margin Volatility

Fluctuating operational margins may indicate challenges in maintaining consistent cost efficiency, potentially affecting long-term profitability.

Cash Generation Ability

Moderate cash generation relative to profits may constrain the company's ability to fund operations and growth initiatives without relying on external financing.

Grand City Properties SA Business Overview & Revenue Model

Company Description

Grand City Properties S.A. engages in the residential real estate business in Germany, the United Kingdom, and internationally. The company invests in, manages, and rents real estate properties in North Rhine-Westphalia and Berlin; metropolitan regions of Dresden, Leipzig, and Halle; and the cities in the north of Germany, Bremen, Hamburg, and Hannover, as well as other urban centers, such as Nuremberg, Munch, Mannheim, Frankfurt, and London. Grand City Properties S.A. was founded in 2004 and is based in Luxembourg.

How the Company Makes Money

Grand City Properties SA generates revenue primarily through rental income from its extensive portfolio of residential properties across Germany. The company earns money by leasing apartments to tenants, ensuring a steady cash flow. Additionally, GYC benefits from property appreciation over time, which increases the overall value of its real estate holdings. The company may also engage in property sales, capitalizing on favorable market conditions to realize gains on renovated or developed properties. Significant partnerships with construction and property management firms enable GYC to efficiently manage renovation projects and optimize operational costs, further enhancing its profitability.

Grand City Properties SA Financial Statement Overview

Summary

Grand City Properties SA demonstrates strong profitability and revenue growth, indicating a robust recovery. However, volatility in operational margins and declining free cash flow growth pose potential risks. The balance sheet reflects moderate leverage, supporting stability.

Income Statement

Grand City Properties SA shows strong profitability with a high net profit margin of 91.49% in TTM, indicating efficient cost management. The revenue growth rate of 76.8% in TTM reflects a significant recovery from previous periods. However, the volatility in EBIT and EBITDA margins across years suggests potential instability in operational efficiency.

Balance Sheet

The company's debt-to-equity ratio of 0.86 in TTM is moderate, indicating a balanced approach to leveraging. Return on equity has improved to 9.51% in TTM, showcasing better profitability from equity. However, the equity ratio is not explicitly provided, which limits a full assessment of asset financing.

Cash Flow

The cash flow analysis reveals a decline in free cash flow growth by 10.12% in TTM, which could be a concern for liquidity. The operating cash flow to net income ratio of 0.50 indicates moderate cash generation relative to profits. The free cash flow to net income ratio is strong at 0.99, suggesting efficient conversion of profits into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	512.12M	422.69M	607.74M	396.04M	374.55M	372.46M
Gross Profit	256.78M	168.99M	328.69M	129.75M	156.49M	145.98M
EBITDA	704.28M	365.46M	-658.32M	305.53M	299.38M	301.79M
Net Income	584.83M	238.99M	-513.81M	153.96M	548.56M	395.07M
Balance Sheet
Total Assets	11.24B	11.22B	10.92B	11.13B	11.56B	10.87B
Cash, Cash Equivalents and Short-Term Investments	1.35B	1.51B	1.23B	427.36M	1.11B	1.69B
Total Debt	5.46B	4.29B	4.25B	3.99B	4.51B	4.27B
Total Liabilities	6.71B	5.80B	5.69B	5.22B	5.76B	5.31B
Stockholders Equity	3.96B	4.91B	3.48B	5.25B	5.19B	5.02B
Cash Flow
Free Cash Flow	251.22M	281.83M	246.86M	211.58M	208.69M	234.77M
Operating Cash Flow	253.28M	284.46M	249.41M	216.12M	217.06M	242.15M
Investing Cash Flow	-31.22M	52.02M	147.80M	-167.69M	-198.46M	-391.67M
Financing Cash Flow	-285.09M	-93.37M	405.30M	-567.42M	-537.19M	650.62M

Grand City Properties SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 11.08
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:GYC, the sentiment is Positive. The current price of 11.08 is above the 20-day moving average (MA) of 10.37, above the 50-day MA of 9.96, and above the 200-day MA of 10.73, indicating a bullish trend. The MACD of 0.36 indicates Negative momentum. The RSI at 73.34 is Negative, neither overbought nor oversold. The STOCH value of 89.01 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:GYC.

Grand City Properties SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
DEQ	72 Outperform	€1.58B	11.77	7.42%	28.14%	-6.87%	―
LEG	70 Outperform	€5.35B	4.49	15.11%	4.45%	6.91%	―
PAT	69 Neutral	€702.21M	22.22	―	4.33%	0.23%	―
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
GYC	61 Neutral	€1.86B	3.56	14.70%	―	0.44%	―
TEG	60 Neutral	€3.12B	7.49	12.29%	3.08%	-32.32%	―
AT1	59 Neutral	€3.34B	4.11	10.60%	―	-1.35%	―