Lloyd Fonds Aktiengesellschaft (LQAG) AI Stock Analysis

• Market Cap: €73.50M
• Dividend Yield: N/A
• Average Volume (3M): 9.40K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.37
• Revenue Growth: 10.82%
• EPS Growth: 43.50%
• Country: DE
• Employees: 154
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): -0.23
• Shares Outstanding: 18,421,698
• 10 Day Avg. Volume: 10,804
• 30 Day Avg. Volume: 9,405
• PEG Ratio: 0.30
• Price to Book (P/B): 1.27
• Price to Sales (P/S): 2.95
• P/FCF Ratio: -16.67
• 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: €4.00
• Price Target Upside: 0.25% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 41 Neutral
• Price Target: €4.00 ▲(0.25% Upside)

The overall stock score of 41 reflects significant financial challenges faced by Lloyd Fonds Aktiengesellschaft, including declining revenues and persistent losses. Technical analysis indicates bearish momentum, with the stock trading below key moving averages and approaching oversold conditions. Valuation metrics further highlight the lack of profitability and absence of a dividend yield, making the stock less attractive to value investors. Strategic improvements are necessary to enhance financial stability and investor confidence.

Lloyd Fonds Aktiengesellschaft Business Overview & Revenue Model

Company Description

Laiqon AG, together with its subsidiaries, develops, arranges, initiates, and markets investment products for private and institutional investors primarily in Germany. It is also involved in the management of real estate funds; arrangement of contracts for land and land-like rights, commercial premises, or living spaces; project development activities; operation of seagoing vessels; brokerage of ships; development, conception, and management of investment companies; and valuation, acquisition, holding, administration, structuring, and sale of units in closed-end funds organized as limited partnership entities. In addition, the company engages in the acquisition, holding, management, and sale of shares in limited partnership entities; development, operation, licensing, maintenance, and servicing of IT and software products; management of individual assets invested in financial instruments; brokerage of transactions for the acquisition and sale of financial instruments or investment brokerage; acquisition and sale of financial instruments; investment advice activities; brokerage and administration of shares in corporations and partnerships; and legal and tax advice activities. The company was formerly known as Lloyd Fonds AG. Laiqon AG was incorporated in 1995 and is headquartered in Hamburg, Germany.

How the Company Makes Money

Lloyd Fonds Aktiengesellschaft makes money primarily through the management fees and performance fees it charges for its investment funds. The company earns revenue by providing asset management services, where it oversees and manages investments on behalf of clients in sectors like real estate, shipping, and renewable energy. Additionally, LQAG may earn income from advisory services and structuring investment products. Significant partnerships with financial institutions and stakeholders in various industries also contribute to its earnings, allowing the company to expand its investment opportunities and enhance its portfolio performance.

Lloyd Fonds Aktiengesellschaft Financial Statement Overview

Summary

Lloyd Fonds Aktiengesellschaft is experiencing significant financial difficulties, characterized by declining revenues, persistent losses, and negative cash flows. While the company maintains a high gross profit margin, this is insufficient to offset the negative impacts on profitability and cash flow. The balance sheet shows moderate leverage, but the negative return on equity highlights ongoing challenges in generating returns for shareholders. Overall, the financial health of the company is concerning, with a need for strategic improvements to stabilize and grow the business.

Income Statement

Lloyd Fonds Aktiengesellschaft has faced significant challenges in its income statement. The TTM data shows a drastic decline in revenue, with a negative revenue growth rate of -97.4%. The company has negative net profit margins and EBIT margins, indicating ongoing losses. Gross profit margin remains high at 86.8% in the TTM, but this is overshadowed by the substantial net losses.

Balance Sheet

The balance sheet shows moderate leverage with a debt-to-equity ratio of 0.49 in the TTM, which is manageable. However, the return on equity is negative, reflecting the company's inability to generate profits from its equity base. The equity ratio is not explicitly provided, but the overall financial stability is under pressure due to ongoing losses.

Cash Flow

Cash flow analysis reveals a challenging situation with negative operating cash flow and free cash flow in the TTM. Despite a positive free cash flow to net income ratio, indicating some efficiency in converting income to cash, the overall cash flow position is weak, with negative growth in operating cash flow coverage.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	30.41M	31.00M	30.75M	21.57M	26.12M	27.74M
Gross Profit	26.40M	8.65M	6.84M	2.61M	13.40M	15.89M
EBITDA	-3.99M	-1.96M	-10.15M	-13.58M	2.31M	8.33M
Net Income	-8.87M	-7.63M	-12.32M	-10.16M	5.15M	-703.00K
Balance Sheet
Total Assets	127.30M	134.85M	144.63M	139.84M	116.96M	113.68M
Cash, Cash Equivalents and Short-Term Investments	5.51M	14.23M	7.98M	11.24M	26.24M	8.39M
Total Debt	33.38M	33.84M	38.35M	18.84M	17.85M	18.95M
Total Liabilities	49.37M	53.84M	89.95M	67.75M	68.60M	70.95M
Stockholders Equity	68.36M	72.13M	55.55M	66.62M	43.26M	37.87M
Cash Flow
Free Cash Flow	-5.78M	-5.49M	-12.12M	-3.98M	18.75M	-2.15M
Operating Cash Flow	-3.02M	-3.31M	-10.73M	-2.77M	19.96M	-949.00K
Investing Cash Flow	-2.93M	-2.61M	-1.31M	-8.47M	-1.12M	-936.00K
Financing Cash Flow	6.95M	12.44M	8.81M	5.28M	-9.04M	-736.00K

Lloyd Fonds Aktiengesellschaft Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3.99
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:LQAG, the sentiment is Negative. The current price of 3.99 is below the 20-day moving average (MA) of 4.15, below the 50-day MA of 4.61, and below the 200-day MA of 4.26, indicating a bearish trend. The MACD of -0.16 indicates Negative momentum. The RSI at 38.01 is Neutral, neither overbought nor oversold. The STOCH value of 29.18 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for DE:LQAG.

Lloyd Fonds Aktiengesellschaft Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
B7E	70 Neutral	€89.28M	4.37	8.40%	3.27%	-29.22%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
A7A	57 Neutral	€133.72M	―	―	―	―	―
LQAG	41 Neutral	€73.50M	―	-13.87%	―	10.82%	43.50%