Lloyd Fonds Aktiengesellschaft (LQAG) AI Stock Analysis

• Market Cap: €79.95M
• Dividend Yield: N/A
• Average Volume (3M): 11.51K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.39
• 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: 8,670
• 30 Day Avg. Volume: 11,513
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: €4.50
• Price Target Upside: 2.74% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 45 Neutral
• Price Target: €4.50 ▲(2.74% Upside)

The overall stock score is primarily influenced by the company's challenging financial performance and poor valuation metrics. The technical analysis also indicates a bearish trend, further impacting the score. The absence of earnings call insights and corporate events means these factors did not contribute to the score.

Lloyd Fonds Aktiengesellschaft Business Overview & Revenue Model

Company Description

Laiqon 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 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. Despite slight improvements in revenue and operating cash flow, persistent negative profitability and free cash flow highlight ongoing operational and financial challenges. The balance sheet is relatively stable, but profitability issues need addressing to enhance financial health.

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: Negative
• Last Price: 4.38
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 Negative. The current price of 4.38 is below the 20-day moving average (MA) of 4.61, below the 50-day MA of 4.70, and above the 200-day MA of 4.34, indicating a neutral trend. The MACD of -0.14 indicates Positive momentum. The RSI at 39.99 is Neutral, neither overbought nor oversold. The STOCH value of 23.63 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
B7E	70 Neutral	86.59M	6.53	13.94%	3.37%	-24.50%	―
A7A	57 Neutral	126.15M	―	―	―	―	―
LQAG	45 Neutral	€79.95M	―	-13.87%	―	10.82%	43.50%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%