Netfonds AG (DE:NF4)
XETRA:NF4
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Netfonds AG
(XETRA:NF4)
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Rating:51Neutral
Price Target:
€45.00
▲(4.17% Upside)
Action:Reiterated
Date:10/24/25
Netfonds AG's overall stock score of 51 is primarily driven by moderate financial performance, with strong revenue growth offset by low profitability and negative cash flows. Technical indicators show bearish trends with limited momentum, and a high P/E ratio suggests overvaluation. Financial performance remains the most significant factor due to its higher weight.
Positive Factors
Revenue Growth
The company's robust revenue growth indicates successful market expansion and product adoption, strengthening its competitive position.
Negative Factors
Low Profitability Margins
Low profitability margins may indicate challenges in cost management, potentially impacting long-term financial sustainability and shareholder returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
The company's robust revenue growth indicates successful market expansion and product adoption, strengthening its competitive position.
Read all positive factors
Netfonds AG (NF4) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€182.84M
Dividend Yield0.85%
Average Volume (3M)653.00
Price to Earnings (P/E)103.3
Beta (1Y)-0.10
Revenue GrowthN/A
EPS GrowthN/A
CountryDE
Employees332
SectorFinancial
Sector Strength70
IndustryFinancial - Diversified
Share Statistics
EPS (TTM)0.76
Shares Outstanding2,329,310
10 Day Avg. Volume1,237
30 Day Avg. Volume653
Financial Highlights & Ratios
PEG Ratio-0.07
Price to Book (P/B)4.50
Price to Sales (P/S)0.42
P/FCF Ratio-14.09
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.46
Revenue Forecast (FY)€219.40M
Netfonds AG Business Overview & Revenue Model
Company Description
Netfonds AG is a Germany-based company that provides services to financial institutions. The Company's offering is directed at financial advisors, insurance brokers, asset and fund managers, as well as banks and other financial organizations. The ...
How the Company Makes Money
Netfonds AG generates revenue through multiple streams, primarily by charging commissions and fees on trades executed through its online trading platforms. The company also earns income from asset management services, where it manages investments ...
Netfonds AG Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
55
Neutral
Cash Flow
40
Negative
| Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 239.33M | 194.62M | 176.45M | 204.23M | 145.84M |
| Gross Profit | 23.24M | 20.69M | 30.85M | 45.03M | 27.67M |
| EBITDA | 199.58M | 4.87M | 6.81M | 16.10M | 4.67M |
| Net Income | 2.60M | -620.88K | 850.09K | 8.40M | -15.00K |
Balance Sheet | |||||
| Total Assets | 109.16M | 72.26M | 63.66M | 68.68M | 75.37M |
| Cash, Cash Equivalents and Short-Term Investments | 16.02M | 4.24M | 6.41M | 4.89M | 12.36M |
| Total Debt | 27.36M | 10.40M | 9.12M | 6.99M | 25.86M |
| Total Liabilities | 83.24M | 50.81M | 41.23M | 46.52M | 61.48M |
| Stockholders Equity | 22.42M | 20.66M | 22.14M | 21.93M | 13.95M |
Cash Flow | |||||
| Free Cash Flow | -7.17M | -1.23M | -506.00K | -19.93M | 1.75M |
| Operating Cash Flow | -4.16M | 1.50M | 2.62M | -18.86M | 4.37M |
| Investing Cash Flow | -13.28M | -3.61M | -2.62M | -12.45M | -8.65M |
| Financing Cash Flow | 17.25M | -68.00K | 1.07M | 22.50M | 11.77M |
Netfonds AG Technical Analysis
Positive
43.20
Price Trends
78.52
Negative
63.10
Positive
53.93
Positive
Market Momentum
0.39
Positive
56.28
Neutral
100.00
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:NF4, the sentiment is Positive. The current price of 43.2 is below the 20-day moving average (MA) of 78.67, below the 50-day MA of 78.52, and below the 200-day MA of 53.93, indicating a neutral trend. The MACD of 0.39 indicates Positive momentum. The RSI at 56.28 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:NF4.
Netfonds AG Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | €330.91M | 6.20 | 24.60% | 1.91% | 13.36% | 115.81% | |
72 Outperform | €278.42M | 4.33 | 33.20% | 8.03% | 61.13% | 119.04% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | €273.91M | 22.23 | 14.91% | ― | 13.95% | 0.12% | |
51 Neutral | €182.84M | 103.28 | 12.06% | 0.85% | ― | ― |
* Financial Sector Average
DE:NF4
Netfonds AG
78.50
35.84
84.01%
DE:QB7
Quirin Privatbank AG
3.36
-0.46
-12.04%
DE:BWB
Baader Bank AG
6.80
2.38
53.85%
DE:LUS1
Lang & Schwarz AG
28.90
8.42
41.11%
DE:JDC
JDC Group AG
21.00
-2.20
-9.48%
DE:T2G
Tradegate AG Wertpapierhandelsbank
87.50
0.20
0.23%
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.