JDC Group AG (JDC) AI Stock Analysis

• Market Cap: €320.64M
• Dividend Yield: N/A
• Average Volume (3M): 5.77K
• Price to Earnings (P/E): 58.9
• Beta (1Y): 0.64
• Revenue Growth: 17.04%
• EPS Growth: 79.96%
• Country: DE
• Employees: 397
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Conglomerates
• EPS (TTM): -0.08
• Shares Outstanding: 13,668,461
• 10 Day Avg. Volume: 3,235
• 30 Day Avg. Volume: 5,770
• PEG Ratio: 0.98
• Price to Book (P/B): 5.40
• Price to Sales (P/S): 1.38
• P/FCF Ratio: 23.40
• 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: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 59 Neutral
• Price Target: €27.00 ▲(9.31% Upside)

JDC Group AG's overall stock score is primarily driven by its strong financial performance, characterized by robust revenue growth and a solid balance sheet. However, technical indicators suggest a bearish trend, and the high P/E ratio indicates potential overvaluation. The absence of earnings call data and corporate events limits further insights.

Positive Factors

Revenue Growth

Strong revenue growth indicates expanding market presence and effective business strategies, supporting long-term financial stability.

Balance Sheet Health

A low debt-to-equity ratio suggests a strong equity position, providing financial flexibility and reducing risk.

Cash Flow Generation

Positive cash flow growth enhances the company's ability to reinvest in operations, pay down debt, and support future growth initiatives.

Negative Factors

Net Profit Margin

A low net profit margin indicates challenges in converting revenue into profit, potentially impacting long-term profitability.

Operating Cash Flow

Inefficient cash flow management can strain liquidity and limit the company's ability to fund operations and growth.

Profitability Metrics

Improving profitability metrics is crucial for sustaining financial health and supporting long-term growth objectives.

JDC Group AG Business Overview & Revenue Model

Company Description

JDC Group AG, a cutting-edge financial services company, provides financial product intermediary and advisory services in Germany and Austria. It operates through Advisortech and Advisory segments. The Advisortech segment engages in the distribution of financial products to retail customers through independent financial advisers and brokers. This segment offers investment funds; closed-end funds; and insurance products. The Advisory segment provides independent pension and investment advisory services for retail customers. Its products include insurances, securities, material values, and financing. JDC Group AG was formerly known as Aragon AG and changed its name to JDC Group AG in July 2015. JDC Group AG was founded in 2004 and is based in Wiesbaden, Germany.

How the Company Makes Money

JDC Group AG generates revenue through several key streams, primarily by offering consulting services to financial advisors and insurance brokers, as well as through the sale of insurance and investment products. The company earns commissions from insurance providers and financial institutions for the products it distributes. Additionally, JDC monetizes its technology platforms, which provide tools and resources for financial advisors, through subscription fees and service charges. Strategic partnerships with various financial institutions and insurers further enhance its revenue potential by expanding its product offerings and market reach.

JDC Group AG Financial Statement Overview

Summary

JDC Group AG shows consistent revenue growth and improved gross profit margins. However, the net profit margin is low, and cash flow growth is volatile, indicating challenges in cost management and cash flow stability.

Income Statement

JDC Group AG shows a consistent revenue growth trend with a TTM revenue growth rate of 2.6%. The gross profit margin has improved significantly over the years, reaching 63.4% in the TTM period. However, the net profit margin remains relatively low at 2.9%, indicating room for improvement in cost management. The EBIT and EBITDA margins show moderate profitability, with the TTM EBIT margin at 4.5% and EBITDA margin at 7.2%.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.32 in the TTM period, reflecting a stronger equity position. Return on equity has increased to 12.0%, indicating effective use of equity to generate profits. The equity ratio stands at 40.8%, showing a stable financial structure. However, the company should continue to monitor its leverage to maintain financial stability.

Cash Flow

JDC Group AG's free cash flow growth has been volatile, with a decline of 19.9% in the TTM period. The operating cash flow to net income ratio is low, suggesting potential challenges in converting income into cash. However, the free cash flow to net income ratio is strong at 1.01, indicating that the company generates sufficient cash relative to its net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	242.41M	224.51M	171.02M	156.08M	146.81M	122.83M
Gross Profit	152.88M	55.59M	171.70M	23.56M	22.25M	17.62M
EBITDA	17.34M	15.70M	12.09M	8.70M	8.38M	5.52M
Net Income	5.67M	5.87M	3.77M	901.00K	907.00K	-1.16M
Balance Sheet
Total Assets	236.98M	151.79M	141.90M	112.98M	121.75M	91.79M
Cash, Cash Equivalents and Short-Term Investments	34.46M	24.65M	26.36M	16.67M	21.91M	11.72M
Total Debt	87.18M	28.43M	19.36M	27.44M	28.32M	25.01M
Total Liabilities	174.34M	94.45M	89.10M	76.01M	82.94M	64.50M
Stockholders Equity	60.31M	57.16M	52.70M	36.97M	38.82M	27.29M
Cash Flow
Free Cash Flow	13.11M	13.19M	18.03M	5.47M	12.85M	6.74M
Operating Cash Flow	13.11M	13.19M	18.03M	7.57M	14.86M	8.87M
Investing Cash Flow	-74.73M	-11.92M	-13.26M	-3.24M	-13.08M	-2.02M
Financing Cash Flow	53.86M	-2.98M	4.92M	-9.56M	8.41M	-16.26M

JDC Group AG Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 24.70
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:JDC, the sentiment is Negative. The current price of 24.7 is below the 20-day moving average (MA) of 26.12, below the 50-day MA of 27.73, and below the 200-day MA of 25.73, indicating a bearish trend. The MACD of -0.69 indicates Positive momentum. The RSI at 34.20 is Neutral, neither overbought nor oversold. The STOCH value of 9.23 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for DE:JDC.

JDC Group AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BWB	77 Outperform	€329.94M	6.89	24.12%	1.91%	15.69%	268.17%
O4B	70 Outperform	€275.05M	24.02	12.16%	5.18%	11.99%	-38.09%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JDC	59 Neutral	€320.64M	58.91	9.90%	―	17.04%	79.96%