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

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DE:LQAG

Lloyd Fonds Aktiengesellschaft

(XETRA:LQAG)

Rating:55Neutral
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 (LQAG) vs. iShares MSCI Germany ETF (EWG)

Lloyd Fonds Aktiengesellschaft Business Overview & Revenue Model

Company DescriptionLloyd 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 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 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
45
Neutral
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
50
Neutral
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
40
Negative
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue29.65M31.00M30.75M21.57M26.12M27.74M
Gross Profit24.11M8.65M6.84M2.61M13.40M15.89M
EBITDA-8.71M-1.96M-3.50M-9.62M5.57M8.33M
Net Income-13.19M-7.63M-12.32M-10.16M5.15M-703.00K
Balance Sheet
Total Assets143.87M134.85M144.63M139.84M116.96M113.68M
Cash, Cash Equivalents and Short-Term Investments4.89M14.23M7.98M11.24M26.24M8.39M
Total Debt35.27M33.84M38.35M18.84M17.85M18.95M
Total Liabilities84.98M53.84M89.95M67.75M68.60M70.95M
Stockholders Equity59.62M72.13M55.55M66.62M43.26M37.87M
Cash Flow
Free Cash Flow-11.46M-5.49M-12.12M-3.98M18.75M-2.15M
Operating Cash Flow-10.52M-3.31M-10.73M-2.77M19.96M-949.00K
Investing Cash Flow-1.65M-2.61M-1.31M-8.47M-1.12M-936.00K
Financing Cash Flow2.59M12.44M8.81M5.28M-9.04M-736.00K

Lloyd Fonds Aktiengesellschaft Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price4.27
Price Trends
50DMA
3.86
Positive
100DMA
3.98
Positive
200DMA
4.41
Negative
Market Momentum
MACD
0.14
Negative
RSI
61.88
Neutral
STOCH
62.83
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

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
70
Neutral
€77.16M5.820.48%3.78%-24.50%
64
Neutral
€12.89B12.536.83%3.85%13.94%10.68%
57
Neutral
€125.31M
55
Neutral
€77.56M-11.95%1.68%44.85%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
DE:LQAG
Lloyd Fonds Aktiengesellschaft
4.21
-0.60
-12.47%
DE:A7A
FinLab AG
14.90
4.90
49.00%
DE:B7E
Blue Cap AG
17.10
0.39
2.33%
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: Jul 05, 2025