JDC Group AG (JDC) AI Stock Analysis

• Market Cap: €302.47M
• Dividend Yield: N/A
• Average Volume (3M): 7.46K
• Price to Earnings (P/E): 48.1
• Beta (1Y): 0.69
• Revenue Growth: 28.73%
• EPS Growth: 224.95%
• Country: DE
• Employees: 397
• Sector: Financial
• Sector Strength: 73
• Industry: Financial - Conglomerates
• EPS (TTM): 0.20
• Shares Outstanding: 13,668,461
• 10 Day Avg. Volume: 6,083
• 30 Day Avg. Volume: 7,455
• PEG Ratio: 0.82
• Price to Book (P/B): 2.92
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 44.43
• 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: €33.00
• Price Target Upside: 41.63% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 73 Outperform
• Price Target: €27.00 ▲(15.88%Upside)

JDC Group AG benefits from strong financial performance and bullish technical analysis, which are significant positive factors. However, the high P/E ratio indicates a potential overvaluation risk. The absence of dividend yield and lack of earnings call insights limit further score improvements.

JDC Group AG Business Overview & Revenue Model

Company Description

JDC Group AG (JDC) is a prominent financial services firm based in Germany, specializing in insurance and investment brokerage. The company operates through two primary segments: Advisortech and Advisory. The Advisortech segment focuses on providing technology solutions and tools for financial product intermediaries, while the Advisory segment offers personalized financial consulting services to individual clients. JDC Group AG is known for its advanced digital platform, which facilitates efficient and comprehensive financial planning and management.

How the Company Makes Money

JDC Group AG generates revenue primarily through brokerage commissions and fees from its two main business segments. In the Advisortech segment, the company earns money by providing technology and software solutions to financial advisors, insurers, and banks, often charging subscription fees or transaction-based fees for the use of their digital platform. In the Advisory segment, JDC Group AG makes money by offering financial consulting services, where they receive commissions and advisory fees from the sale of insurance and investment products. Additionally, strategic partnerships with financial institutions and insurers contribute to their earnings by expanding their distribution channels and enhancing their service offerings.

JDC Group AG Financial Statement Overview

Summary

JDC Group AG shows strong financial performance with notable revenue growth and efficient cost management. The balance sheet is stable with a solid equity ratio. Cash flow is consistent, although there are some uncertainties in capital investments. Overall, the financial foundation is strong, but profitability margins could improve.

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
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
224.51M	171.02M	156.08M	146.81M	122.83M
	Gross Profit
55.59M	171.70M	23.56M	22.25M	17.62M
	EBIT
9.32M	3.78M	1.10M	1.41M	-1.03M
	EBITDA
15.70M	485.00K	8.94M	8.74M	5.94M
	Net Income Common Stockholders
5.87M	3.77M	901.00K	907.00K	-1.16M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
24.65M	26.36M	16.67M	21.91M	11.72M
	Total Assets
151.79M	141.90M	112.98M	121.75M	91.79M
	Total Debt
28.43M	19.36M	27.24M	28.32M	25.01M
	Net Debt
3.77M	-7.00M	10.57M	6.41M	13.29M
	Total Liabilities
94.45M	89.10M	76.01M	82.94M	64.50M
	Stockholders Equity
57.16M	52.70M	36.97M	38.82M	27.29M
Cash Flow		Free Cash Flow
13.19M	18.03M	5.47M	12.85M	6.74M
	Operating Cash Flow
13.19M	18.03M	7.57M	14.86M	8.87M
	Investing Cash Flow
-11.92M	-13.26M	-3.24M	-13.08M	-2.02M
	Financing Cash Flow
-2.98M	4.92M	-9.56M	8.41M	-16.26M

JDC Group AG Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 23.30
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:JDC, the sentiment is Positive. The current price of 23.3 is above the 20-day moving average (MA) of 23.22, above the 50-day MA of 21.54, and above the 200-day MA of 22.21, indicating a bullish trend. The MACD of 0.39 indicates Positive momentum. The RSI at 56.10 is Neutral, neither overbought nor oversold. The STOCH value of 70.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:JDC.

JDC Group AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MUV2	73 Outperform	€72.30B	12.94	18.25%	3.61%	6.63%	26.20%
JDC	73 Outperform	€302.47M	48.09	11.50%	―	28.73%	224.95%
HNR1	72 Outperform	€32.39B	14.39	19.63%	2.61%	9.68%	18.57%
Sector *	64 Neutral	$12.77B	9.71	7.85%	78.05%	12.07%	-7.97%
WUW	64 Neutral	€1.26B	36.97	0.69%	4.80%	4.19%	-75.44%