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Lloyd Fonds Aktiengesellschaft (DE:LQAG)
XETRA:LQAG
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Lloyd Fonds Aktiengesellschaft (LQAG) AI Stock Analysis

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DE:LQAG

Lloyd Fonds Aktiengesellschaft

(XETRA:LQAG)

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Neutral 41 (OpenAI - 4o)
Rating:41Neutral
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 (LQAG) vs. iShares MSCI Germany ETF (EWG)

Lloyd Fonds Aktiengesellschaft Business Overview & Revenue Model

Company DescriptionLaiqon 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 MoneyLloyd 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
25
Negative
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
40
Negative
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
30
Negative
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue30.41M31.00M30.75M21.57M26.12M27.74M
Gross Profit26.40M8.65M6.84M2.61M13.40M15.89M
EBITDA-3.99M-1.96M-10.15M-13.58M2.31M8.33M
Net Income-8.87M-7.63M-12.32M-10.16M5.15M-703.00K
Balance Sheet
Total Assets127.30M134.85M144.63M139.84M116.96M113.68M
Cash, Cash Equivalents and Short-Term Investments5.51M14.23M7.98M11.24M26.24M8.39M
Total Debt33.38M33.84M38.35M18.84M17.85M18.95M
Total Liabilities49.37M53.84M89.95M67.75M68.60M70.95M
Stockholders Equity68.36M72.13M55.55M66.62M43.26M37.87M
Cash Flow
Free Cash Flow-5.78M-5.49M-12.12M-3.98M18.75M-2.15M
Operating Cash Flow-3.02M-3.31M-10.73M-2.77M19.96M-949.00K
Investing Cash Flow-2.93M-2.61M-1.31M-8.47M-1.12M-936.00K
Financing Cash Flow6.95M12.44M8.81M5.28M-9.04M-736.00K

Lloyd Fonds Aktiengesellschaft Technical Analysis

Technical Analysis Sentiment
Negative
Last Price3.99
Price Trends
50DMA
4.61
Negative
100DMA
4.30
Negative
200DMA
4.26
Negative
Market Momentum
MACD
-0.16
Negative
RSI
38.01
Neutral
STOCH
29.18
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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
70
Neutral
€89.28M4.378.40%3.27%-29.22%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
57
Neutral
€133.72M
41
Neutral
€73.50M-13.87%10.82%43.50%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
DE:LQAG
Lloyd Fonds Aktiengesellschaft
4.02
-1.06
-20.87%
DE:B7E
Blue Cap AG
20.20
3.96
24.38%
DE:PZS
Scherzer & Co. AG
2.34
0.20
9.35%
DE:IPOK
Heidelberger Beteiligungsholding AG
109.00
46.92
75.58%
DE:SVE
Shareholder Value Beteiligungen AG
86.50
5.00
6.13%
DE:A7A
FinLab AG
16.10
6.20
62.63%
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.Date of analysis: Oct 07, 2025