Lloyd Fonds Aktiengesellschaft (LQAG) AI Stock Analysis

• Market Cap: €74.42M
• Dividend Yield: N/A
• Average Volume (3M): 9.40K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.36
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 46 Neutral
• Price Target: €4.50 ▼(-2.17% Downside)

The overall stock score is primarily driven by the company's poor financial performance, characterized by declining revenues and persistent losses. While technical analysis shows some positive momentum, overbought indicators suggest caution. The valuation is unattractive due to a negative P/E ratio and no dividend yield. These factors collectively result in a low overall stock score.

Positive Factors

Business Model Strength

The diversified revenue streams from management, performance, and transaction fees provide a stable financial foundation, supporting long-term business sustainability.

Market Position

LQAG's recognized expertise in fund management strengthens its competitive position, potentially attracting more clients and increasing assets under management.

Revenue Growth

Positive revenue growth indicates expanding business operations and market reach, which can enhance long-term profitability and shareholder value.

Negative Factors

Declining Revenues

The significant decline in revenue suggests challenges in maintaining market share or operational issues, which could impact long-term financial health.

Persistent Losses

Ongoing losses and negative margins indicate operational inefficiencies and profitability challenges, potentially affecting long-term viability.

Negative Cash Flow

Negative cash flow limits the company's ability to invest in growth opportunities and meet financial obligations, posing a risk to future operations.

Lloyd Fonds Aktiengesellschaft Business Overview & Revenue Model

Company Description

Lloyd Fonds Aktiengesellschaft (LQAG) is a financial services company based in Germany, primarily focused on asset management and investment solutions. The company operates in various sectors, including real estate, private equity, and infrastructure, providing a range of products and services to institutional and private investors. LQAG is known for its expertise in structuring and managing investment funds, as well as offering advisory services to optimize investment strategies.

How the Company Makes Money

Lloyd Fonds Aktiengesellschaft generates revenue through multiple streams, primarily from management fees associated with the funds it operates. These fees are charged as a percentage of the assets under management (AUM) and vary depending on the type of fund and investment strategy employed. Additionally, LQAG earns performance fees when the returns on its managed funds exceed predefined benchmarks, incentivizing the company to maximize investor returns. The company may also derive income from transaction fees related to acquisitions or dispositions of assets within its investment portfolio. Strategic partnerships with institutional investors and other financial entities enhance its market reach and can lead to co-investment opportunities, further bolstering revenue generation.

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. Despite a high gross profit margin, the negative impacts on profitability and cash flow are concerning. The balance sheet shows moderate leverage, but the negative return on equity highlights ongoing challenges in generating returns for shareholders.

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: Positive
• Last Price: 4.60
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:LQAG, the sentiment is Positive. The current price of 4.6 is above the 20-day moving average (MA) of 4.15, above the 50-day MA of 4.14, and above the 200-day MA of 4.20, indicating a bullish trend. The MACD of 0.12 indicates Negative momentum. The RSI at 70.09 is Negative, neither overbought nor oversold. The STOCH value of 80.37 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:LQAG.

Lloyd Fonds Aktiengesellschaft Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
B7E	63 Neutral	€84.79M	4.15	8.40%	3.53%	-29.22%	―
A7A	48 Neutral	€129.76M	―	―	―	―	―
LQAG	46 Neutral	€74.42M	-9.63	-13.87%	―	10.82%	43.50%