JDC Group AG (JDC) AI Stock Analysis

• Market Cap: €354.39M
• Dividend Yield: N/A
• Average Volume (3M): 5.77K
• Price to Earnings (P/E): 52.6
• Beta (1Y): 0.75
• Revenue Growth: 24.25%
• EPS Growth: 179.87%
• 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: 3,347
• 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: €28.00
• Price Target Upside: 2.56% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 55 Neutral
• Price Target: €28.00 ▲(2.56% Upside)

JDC Group AG's overall stock score is primarily influenced by its financial performance, which shows strong revenue growth and a stable balance sheet. However, technical indicators suggest bearish momentum, and the high P/E ratio raises valuation concerns. The absence of earnings call data and corporate events limits additional insights.

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 multiple streams. The primary source of income is its platform services, which charge financial intermediaries for access to its technology solutions that facilitate insurance and investment management. The company also earns fees and commissions from brokerage services provided to these intermediaries. Additionally, JDC benefits from consulting services offered to clients seeking to improve their financial advisory operations. Strategic partnerships with insurance and investment firms further enhance its revenue potential by expanding its service offerings and client base.

JDC Group AG Financial Statement Overview

Summary

JDC Group AG shows strong revenue growth and efficient cost management with a healthy gross profit margin. The balance sheet is solid with a stable equity ratio and reasonable debt-to-equity ratio. Consistent operating cash flow supports operational needs, indicating a stable foundation for future growth. However, there is room for improvement in net profit margin and fluctuations in investing cash flows suggest potential uncertainties.

Income Statement

JDC Group AG has demonstrated strong revenue growth, with a remarkable increase from 2023 to 2024. The gross profit margin and EBIT margin are healthy, indicating efficient cost management. However, the net profit margin could be improved, suggesting room for enhanced profitability.

Balance Sheet

The company's balance sheet is solid, with a stable equity ratio and reasonable debt-to-equity ratio, showcasing a balanced capital structure. Return on equity has improved, reflecting better utilization of equity. Nonetheless, maintaining the equity levels as assets grow will be crucial.

Cash Flow

The cash flow statement shows a consistent operating cash flow, supporting operational needs. The free cash flow remains robust, which is a positive signal for potential reinvestment and debt servicing. However, fluctuations in investing cash flows suggest potential uncertainties in capital investments.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	239.17M	224.51M	171.02M	156.08M	146.81M	122.83M
Gross Profit	151.59M	55.59M	171.70M	23.56M	22.25M	17.62M
EBITDA	17.23M	15.70M	12.09M	8.94M	8.46M	5.52M
Net Income	7.00M	5.87M	3.77M	901.00K	907.00K	-1.16M
Balance Sheet
Total Assets	150.02M	151.79M	141.90M	112.98M	121.75M	91.79M
Cash, Cash Equivalents and Short-Term Investments	27.27M	24.65M	26.36M	16.67M	21.91M	11.72M
Total Debt	19.53M	28.43M	19.36M	27.24M	28.32M	24.81M
Total Liabilities	88.69M	94.45M	89.10M	76.01M	82.94M	64.50M
Stockholders Equity	61.22M	57.16M	52.70M	36.97M	38.82M	27.29M
Cash Flow
Free Cash Flow	12.45M	13.19M	18.03M	5.47M	12.85M	6.74M
Operating Cash Flow	12.32M	13.19M	18.03M	7.57M	14.86M	8.87M
Investing Cash Flow	-9.54M	-11.92M	-13.26M	-3.24M	-13.08M	-2.02M
Financing Cash Flow	-2.17M	-2.98M	4.92M	-9.56M	8.41M	-16.26M

JDC Group AG Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 27.30
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• 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 Neutral. The current price of 27.3 is below the 20-day moving average (MA) of 29.51, below the 50-day MA of 29.53, and above the 200-day MA of 24.45, indicating a neutral trend. The MACD of -0.50 indicates Positive momentum. The RSI at 35.67 is Neutral, neither overbought nor oversold. The STOCH value of 8.33 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	71 Outperform	€293.55M	6.13	24.12%	2.11%	15.69%	268.17%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
O4B	61 Neutral	€269.35M	20.82	14.27%	5.26%	12.63%	-29.05%
JDC	55 Neutral	€354.39M	52.64	12.16%	―	24.25%	179.87%