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JDC Group AG
(XETRA:JDC)
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Rating:60Neutral
Price Target:
€22.00
▲(0.00% Upside)
Action:Reiterated
Date:08/17/26
The score is primarily supported by improving operating performance and positive (though recently weaker) cash generation, but it is held back by meaningfully higher leverage and a demanding P/E valuation. Technicals add modest support with a positive intermediate trend and neutral-to-positive momentum, though not a strong long-term uptrend versus the 200-day average.
Positive Factors
Revenue Growth
Continued revenue growth indicates sustained demand for JDC’s digital distribution and administration platform. Further expansion can improve operating scale and deepen relationships with brokers, advisers and product providers over the medium term.
Negative Factors
Higher Leverage
Leverage has risen materially from generally below 0.75x equity in 2021–2024, reducing financial flexibility. Higher debt increases sensitivity to weaker earnings or cash flow and may constrain investment capacity or balance-sheet repair.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Continued revenue growth indicates sustained demand for JDC’s digital distribution and administration platform. Further expansion can improve operating scale and deepen relationships with brokers, advisers and product providers over the medium term.
Read all positive factors
JDC Group AG (JDC) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€272.61M
Dividend YieldN/A
Average Volume (3M)5.77K
Price to Earnings (P/E)28.3
Beta (1Y)0.60
Revenue Growth14.84%
EPS Growth-9.45%
CountryDE
Employees430
SectorFinancial
Sector Strength70
IndustryFinancial - Conglomerates
Share Statistics
EPS (TTM)0.69
Shares Outstanding13,668,461
10 Day Avg. Volume3,235
30 Day Avg. Volume5,770
Financial Highlights & Ratios
PEG Ratio2.07
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 Target
€36.00Price Target Upside63.64% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.04
Revenue Forecast (FY)€311.20M
JDC Group AG Business Overview & Revenue Model
Company Description
JDC Group AG (JDC) is a German financial services and fintech group focused on the digital distribution and administration of insurance, investment/wealth, and pension products. Through its platform and service businesses, the company provides sof...
How the Company Makes Money
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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 | 264.54M | 249.95M | 224.51M | 171.02M | 156.08M | 146.81M |
| Gross Profit | 163.25M | 39.46M | 55.59M | 171.70M | 23.56M | 22.25M |
| EBITDA | 20.33M | 21.02M | 15.70M | 12.09M | 8.70M | 8.38M |
| Net Income | 9.37M | 7.10M | 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 | 12.49M | 13.62M | 13.19M | 18.03M | 5.47M | 12.85M |
| Operating Cash Flow | 13.39M | 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 | 52.20M | 53.63M | -2.98M | 4.92M | -9.56M | 8.41M |
JDC Group AG Technical Analysis
Negative
22.00
Price Trends
22.47
Negative
22.02
Negative
23.59
Negative
Market Momentum
-0.08
Positive
32.50
Neutral
1.85
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 22 is below the 20-day moving average (MA) of 23.01, below the 50-day MA of 22.47, and below the 200-day MA of 23.59, indicating a bearish trend. The MACD of -0.08 indicates Positive momentum. The RSI at 32.50 is Neutral, neither overbought nor oversold. The STOCH value of 1.85 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | €3.94B | 20.34 | 22.70% | 0.82% | 20.27% | 50.28% | |
74 Outperform | €325.09M | 10.63 | 22.25% | 2.97% | 2.00% | -35.47% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | €272.61M | 28.29 | 16.11% | ― | 14.84% | -9.45% | |
58 Neutral | €172.40M | 137.50 | 6.20% | 0.43% | ― | ― | |
57 Neutral | €183.57M | 2.61 | 54.58% | 11.11% | 61.60% | 138.84% |
* Financial Sector Average
DE:JDC
JDC Group AG
21.00
-8.40
-28.57%
DE:FTK
flatexDEGIRO AG
35.80
7.11
24.78%
DE:QB7
Quirin Privatbank AG
3.10
-0.29
-8.50%
DE:NF4
Netfonds AG
74.02
30.82
71.34%
DE:BWB
Baader Bank AG
6.70
1.89
39.18%
DE:LUS1
Lang & Schwarz AG
19.45
-0.95
-4.66%
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.