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Lloyd Fonds Aktiengesellschaft (DE:LQAG)
:LQAG

Lloyd Fonds Aktiengesellschaft (LQAG) AI Stock Analysis

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Lloyd Fonds Aktiengesellschaft

(XETRA:LQAG)

Rating:44Neutral
Price Target:
€3.50
▼(-1.96%Downside)
The overall stock score reflects significant financial challenges, with ongoing losses affecting profitability and valuation. Despite a stable balance sheet, technical analysis suggests bearish market momentum, and the absence of dividends further detracts from the stock's appeal.

Lloyd Fonds Aktiengesellschaft (LQAG) vs. iShares MSCI Germany ETF (EWG)

Lloyd Fonds Aktiengesellschaft Business Overview & Revenue Model

Company DescriptionLloyd Fonds Aktiengesellschaft (LQAG) is a Germany-based investment management firm that operates primarily in the asset management and investment funds sector. The company focuses on offering a range of investment services, including portfolio management, mutual funds, and investment advisory services to both institutional and retail clients. LQAG aims to provide tailored investment solutions that meet the specific needs of its clients, leveraging its expertise in various asset classes and market segments.
How the Company Makes MoneyLloyd Fonds Aktiengesellschaft generates revenue primarily through the management fees it charges for its investment services. These fees are typically calculated as a percentage of the assets under management (AUM) and can vary depending on the type of investment product or service being offered. The company may also earn performance fees, which are contingent on the achievement of specific investment benchmarks or targets. Additionally, LQAG may generate income through advisory fees for consulting services provided to clients seeking strategic investment guidance. The company's earnings are significantly influenced by the performance of the financial markets, as well as its ability to attract and retain clients through competitive investment offerings and strong client relationships.

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
Negative
Last Price3.57
Price Trends
50DMA
3.76
Negative
100DMA
4.02
Negative
200DMA
4.42
Negative
Market Momentum
MACD
-0.08
Positive
RSI
36.63
Neutral
STOCH
57.92
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 3.57 is below the 20-day moving average (MA) of 3.64, below the 50-day MA of 3.76, and below the 200-day MA of 4.42, indicating a bearish trend. The MACD of -0.08 indicates Positive momentum. The RSI at 36.63 is Neutral, neither overbought nor oversold. The STOCH value of 57.92 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 (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
67
Neutral
€10.53B14.416.96%3.47%13.89%1.77%
DEA7A
57
Neutral
€115.22M
44
Neutral
€65.77M-11.95%1.68%44.85%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
DE:LQAG
Lloyd Fonds Aktiengesellschaft
3.51
-0.91
-20.59%
DE:A7A
FinLab AG
13.90
4.05
41.12%
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: May 31, 2025