JDC Group AG (DE:JDC)
XETRA:JDC
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JDC Group AG
(XETRA:JDC)
Select Model
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Rating:58Neutral
Price Target:
€22.50
▼(-12.11% Downside)
Action:Reiterated
Date:05/16/26
The score is driven by improving revenue and profitability trends, but is held back by meaningfully higher leverage and a recent step-down in free cash flow. Technicals are a notable drag as the stock trades below major moving averages with negative MACD, while valuation appears moderate based on the provided P/E.
Positive Factors
Recurring platform & service revenue
JDC’s business model centers on platform fees, administration and B2B2C partner programs that create contract- and asset-linked recurring revenues. That structural revenue mix supports predictable cash flow and customer stickiness, enabling multi-quarter visibility and scale benefits.
Negative Factors
Higher leverage
Leverage has risen materially relative to prior years, reducing balance-sheet flexibility. Elevated debt increases refinancing and interest rate sensitivity risk, limiting the company’s ability to absorb shocks or fund growth without relying on operating improvements or external financing.
Read all positive and negative factors
Positive Factors
Negative Factors
Recurring platform & service revenue
JDC’s business model centers on platform fees, administration and B2B2C partner programs that create contract- and asset-linked recurring revenues. That structural revenue mix supports predictable cash flow and customer stickiness, enabling multi-quarter visibility and scale benefits.
Read all positive factors
JDC Group AG (JDC) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€277.80M
Dividend YieldN/A
Average Volume (3M)5.77K
Price to Earnings (P/E)22.2
Beta (1Y)0.60
Revenue Growth13.95%
EPS Growth0.12%
CountryDE
Employees397
SectorFinancial
Sector Strength70
IndustryFinancial - Conglomerates
Share Statistics
EPS (TTM)0.68
Shares Outstanding13,668,461
10 Day Avg. Volume3,235
30 Day Avg. Volume5,770
Financial Highlights & Ratios
PEG Ratio0.72
Price to Book (P/B)5.40
Price to Sales (P/S)1.39
P/FCF Ratio25.60
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.05
Revenue Forecast (FY)€323.23M
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 distributi...
How the Company Makes Money
JDC primarily makes money by providing platform-based and service-based distribution and administration capabilities for financial products. Key revenue streams include: (1) Recurring platform/administration fees: JDC earns ongoing compensation fo...
JDC Group AG Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
56
Neutral
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 263.83M | 249.95M | 224.51M | 171.02M | 156.08M | 146.81M |
| Gross Profit | 220.14M | 249.95M | 55.59M | 171.70M | 23.56M | 22.25M |
| EBITDA | 16.85M | 10.66M | 15.70M | 12.09M | 8.70M | 8.38M |
| Net Income | 9.37M | 9.06M | 5.87M | 3.77M | 901.00K | 907.00K |
Balance Sheet | ||||||
| Total Assets | 241.53M | 244.41M | 151.79M | 141.90M | 112.98M | 121.75M |
| Cash, Cash Equivalents and Short-Term Investments | 39.39M | 36.08M | 24.65M | 26.36M | 16.67M | 21.91M |
| Total Debt | 86.97M | 94.74M | 28.43M | 19.36M | 27.44M | 28.32M |
| Total Liabilities | 171.70M | 176.46M | 94.45M | 89.10M | 76.01M | 82.94M |
| Stockholders Equity | 65.26M | 64.49M | 57.16M | 52.70M | 36.97M | 38.82M |
Cash Flow | ||||||
| Free Cash Flow | 7.52M | 13.62M | 13.19M | 18.03M | 5.47M | 12.85M |
| Operating Cash Flow | 12.14M | 13.86M | 13.19M | 18.03M | 7.57M | 14.86M |
| Investing Cash Flow | -70.79M | -71.12M | -11.92M | -13.26M | -3.24M | -13.08M |
| Financing Cash Flow | 53.45M | 53.63M | -2.98M | 4.92M | -9.56M | 8.41M |
JDC Group AG Technical Analysis
Negative
25.60
Price Trends
22.12
Negative
23.57
Negative
26.14
Negative
Market Momentum
-0.23
Positive
42.37
Neutral
45.69
Neutral
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 25.6 is above the 20-day moving average (MA) of 22.21, above the 50-day MA of 22.12, and below the 200-day MA of 26.14, indicating a bearish trend. The MACD of -0.23 indicates Positive momentum. The RSI at 42.37 is Neutral, neither overbought nor oversold. The STOCH value of 45.69 is Neutral, 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
UnderperformOutperform
Sector (68)
DE:JDC
JDC Group AG
21.40
-2.10
-8.94%
DE:O4B
OVB Holding
20.80
-0.62
-2.88%
DE:QB7
Quirin Privatbank AG
3.24
-0.30
-8.47%
DE:IFA
LS Invest Aktiengesellschaft
9.90
3.55
55.91%
DE:EUX
EUWAX AG
50.00
11.27
29.10%
DE:BWB
Baader Bank AG
6.76
2.44
56.48%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.