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Netfonds AG (DE:NF4)
XETRA:NF4
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Netfonds AG
(XETRA:NF4)
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Rating:58Neutral
Price Target:
€49.00
▲(4.70% Upside)
Netfonds AG's overall stock score reflects strong technical momentum and revenue growth, offset by high valuation concerns and liquidity risks. The company's operational efficiency is a positive, but financial management improvements are needed to address profitability and leverage challenges.
Netfonds AG (NF4) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€109.00M
Dividend Yield0.75%
Average Volume (3M)386.00
Price to Earnings (P/E)61.6
Beta (1Y)0.29
Revenue Growth23.63%
EPS GrowthN/A
CountryDE
Employees332
SectorFinancial
Sector Strength70
IndustryFinancial - Diversified
Share Statistics
EPS (TTM)N/A
Shares Outstanding2,329,310
10 Day Avg. Volume236
30 Day Avg. Volume386
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 Target
€49.00Price Target Upside4.70% Upside
Rating ConsensusHold
Number of Analyst Covering0
Netfonds AG Business Overview & Revenue Model
Company DescriptionNetfonds 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 Company divides its activities into four business models: Broker Pool, Liability Umbrella, Multiple Agent, and Asset Management. The Company operates through a network of tied agents, financial and insurance professionals, offering brokerage of various financial products, such as investment funds, insurance and equity investments, as well as services, including asset management, information technology (IT) solutions, legal advice, auditing, research and back office support.
How the Company Makes MoneyNetfonds 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 for clients and charges a percentage of the assets under management as a fee. Additionally, Netfonds AG may derive revenue from partnerships with financial institutions and other service providers, which can include referral fees or revenue-sharing agreements. The company's ability to attract a large user base and retain clients through competitive pricing and robust technology plays a significant role in its overall earnings.
Netfonds AG Financial Statement Overview
Summary
Income Statement
65
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 | 194.85M | 4.87M | 6.81M | 16.38M | 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
46.80
Price Trends
45.33
Positive
44.28
Positive
43.61
Positive
Market Momentum
0.39
Positive
53.66
Neutral
16.50
Positive
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 46.8 is below the 20-day moving average (MA) of 47.01, above the 50-day MA of 45.33, and above the 200-day MA of 43.61, indicating a neutral trend. The MACD of 0.39 indicates Positive momentum. The RSI at 53.66 is Neutral, neither overbought nor oversold. The STOCH value of 16.50 is Positive, 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)
DE:NF4
Netfonds AG
46.80
7.52
19.14%
DE:LRND
GFJ ESG Acquisition I SE Class A
2.78
-5.52
-66.51%
DE:DFV
DFV Deutsche Familienversicherung AG
6.60
0.00
0.00%
DE:A7A
FinLab AG
15.90
6.00
60.61%
DE:MBK
MERKUR PRIVATBANK KGaA
19.20
5.16
36.75%
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.