Lloyd Fonds Aktiengesellschaft (LQAG) AI Stock Analysis

• Market Cap: €77.56M
• Dividend Yield: N/A
• Average Volume (3M): 15.88K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.22
• Revenue Growth: 1.68%
• EPS Growth: 44.85%
• Country: DE
• Employees: 154
• Sector: Financial
• Sector Strength: 72
• Industry: Asset Management
• EPS (TTM): -0.19
• Shares Outstanding: 18,421,698
• 10 Day Avg. Volume: 15,509
• 30 Day Avg. Volume: 15,880
• PEG Ratio: 2.73
• Price to Book (P/B): 0.89
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -7.93
• 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: €3.50
• Price Target Upside: -18.03% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 55 Neutral
• Price Target: €4.00 ▼(-6.32%Downside)

The most significant factor affecting the overall score is the company's financial performance, which is challenged by negative profitability and cash flow issues. Technical analysis provides a moderately positive view due to recent momentum, but potential overbought conditions are a concern. Valuation remains a risk due to the negative P/E ratio and lack of dividend yield.

Lloyd Fonds Aktiengesellschaft Business Overview & Revenue Model

Company Description

Lloyd Fonds Aktiengesellschaft (LQAG) is a prominent German-based investment management company that specializes in creating and managing alternative investment funds. The company is known for offering a diverse range of investment products, including real estate, shipping, and renewable energy projects, aimed at institutional and private investors. Its core services include asset management, fund management, and investment advisory services, leveraging its extensive expertise in various sectors to deliver value to its clients.

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 faces significant financial hurdles. Revenue grew modestly, but the company operates at a loss with persistent negative net profit and EBIT margins. The balance sheet is stable with a moderate debt-to-equity ratio, but negative return on equity reflects inefficiencies. Cash flow remains a challenge with negative operating and free cash flows, impacting reinvestment capacity.

Income Statement

The income statement reveals a challenging financial environment for Lloyd Fonds Aktiengesellschaft. Although revenue grew modestly by 0.84% from 2023 to 2024, the company has been operating at a loss, with negative net income and EBIT margins over the years. The net profit margin remains negative, indicating ongoing struggles with profitability. Despite a slight improvement in gross profit margin to 27.9% in 2024, the persistent negative EBIT and EBITDA margins highlight ongoing operational inefficiencies.

Balance Sheet

The balance sheet shows a moderate financial position with a debt-to-equity ratio of 0.47 in 2024, reflecting a manageable level of leverage. The equity ratio stands at 53.5%, suggesting a stable capital structure. However, the return on equity remains negative due to consistent net losses, indicating that the company is not effectively using shareholder capital to generate profits.

Cash Flow

Cash flow analysis indicates significant challenges in generating positive cash flows. The operating cash flow has been negative, though there was an improvement from -10.74 million in 2023 to -3.31 million in 2024. Free cash flow remains negative, impacting the company's ability to reinvest or distribute dividends. The high operating cash flow to net income ratio points to inefficiencies or non-cash items affecting net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	29.65M	31.00M	30.75M	21.57M	26.12M	27.74M
Gross Profit	24.11M	8.65M	6.84M	2.61M	13.40M	15.89M
EBITDA	-8.71M	-1.96M	-3.50M	-9.62M	5.57M	8.33M
Net Income	-13.19M	-7.63M	-12.32M	-10.16M	5.15M	-703.00K
Balance Sheet
Total Assets	143.87M	134.85M	144.63M	139.84M	116.96M	113.68M
Cash, Cash Equivalents and Short-Term Investments	4.89M	14.23M	7.98M	11.24M	26.24M	8.39M
Total Debt	35.27M	33.84M	38.35M	18.84M	17.85M	18.95M
Total Liabilities	84.98M	53.84M	89.95M	67.75M	68.60M	70.95M
Stockholders Equity	59.62M	72.13M	55.55M	66.62M	43.26M	37.87M
Cash Flow
Free Cash Flow	-11.46M	-5.49M	-12.12M	-3.98M	18.75M	-2.15M
Operating Cash Flow	-10.52M	-3.31M	-10.73M	-2.77M	19.96M	-949.00K
Investing Cash Flow	-1.65M	-2.61M	-1.31M	-8.47M	-1.12M	-936.00K
Financing Cash Flow	2.59M	12.44M	8.81M	5.28M	-9.04M	-736.00K

Lloyd Fonds Aktiengesellschaft Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 4.27
• 50DMA: Positive
• 100DMA: Positive
• 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 Neutral. The current price of 4.27 is above the 20-day moving average (MA) of 4.08, above the 50-day MA of 3.86, and below the 200-day MA of 4.41, indicating a neutral trend. The MACD of 0.14 indicates Negative momentum. The RSI at 61.88 is Neutral, neither overbought nor oversold. The STOCH value of 62.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	€77.16M	5.82	0.48%	3.78%	-24.50%	―
Sector *	64 Neutral	€12.89B	12.53	6.83%	3.85%	13.94%	10.68%
A7A	57 Neutral	€125.31M	―		―	―	―
LQAG	55 Neutral	€77.56M	―	-11.95%	―	1.68%	44.85%