tiprankstipranks
Trending News
More News >
G8 Education Limited (AU:GEM)
ASX:GEM
Advertisement

G8 Education Limited (GEM) AI Stock Analysis

Compare
31 Followers

Top Page

AU:GEM

G8 Education Limited

(Sydney:GEM)

Select Model
Select Model
Select Model
Neutral 63 (OpenAI - 4o)
Rating:63Neutral
Price Target:
AU$0.50
â–¼(-23.08% Downside)
The overall stock score is driven by strong valuation metrics, with a low P/E ratio and high dividend yield. However, financial performance concerns, particularly in cash flow and EBIT margin, along with bearish technical indicators, weigh down the score.

G8 Education Limited (GEM) vs. iShares MSCI Australia ETF (EWA)

G8 Education Limited Business Overview & Revenue Model

Company DescriptionG8 Education Limited provides early childhood education and care services in Australia. It offers its services under the Buggles, Community Kids, Casa Bambini, Creative Garden, First Grammar, Great Beginnings, Green Wood, Head Start, Kool Kids, Kindy Patch Kids, Jelly Beans, Pelicans, Kinder Haven, Nurture One, World Of Learning, The Learning Sanctuary, Sand Castles, Bambinos, Pelican child care, Penguin child care, and Early learning services brands. The company also provides disability support services, including specialist early intervention and allied health support services under the Leor brand name. As of December 31, 2021, it operated 448 centers. The company was founded in 2006 and is headquartered in Varsity Lakes, Australia.
How the Company Makes MoneyG8 Education generates revenue primarily through the provision of childcare services, charging parents tuition fees for their children enrolled in its centers. The company's revenue model includes both full-time and part-time care options, along with additional services such as after-school care and holiday programs. Key revenue streams include government subsidies that support families in accessing childcare, which may significantly contribute to the affordability of services, thus increasing enrollment rates. Furthermore, G8 Education benefits from economies of scale as it expands its network of centers, optimizing operational efficiencies and reducing costs. Partnerships with local communities and educational institutions also enhance its service offerings and reputation, contributing to sustained enrollment and revenue growth.

G8 Education Limited Financial Statement Overview

Summary
G8 Education Limited shows solid revenue growth and improved profitability. The balance sheet is stable with moderate leverage, but cash flow issues, particularly with operational cash conversion, and negative EBIT margin are concerns.
Income Statement
75
Positive
The company has shown steady revenue growth from 2023 to 2024, increasing from 983 million to 1.015 billion, a growth rate of 3.28%. Gross profit margin improved significantly, indicating better cost management. However, the EBIT margin turned negative due to EBIT falling to zero, which is a concern. The EBITDA margin remained stable, reflecting consistent operational performance. The net profit margin increased, driven by higher net income, indicating improved profitability.
Balance Sheet
70
Positive
The balance sheet shows a stable financial position with a debt-to-equity ratio of 0.86, suggesting moderate leverage. The equity ratio at 48% indicates a balanced capital structure. Return on equity improved slightly, indicating better utilization of shareholder funds. Overall, the company maintains a sound balance sheet with no significant risks.
Cash Flow
60
Neutral
The cash flow situation is mixed. The free cash flow decreased from 2023 to 2024, indicating potential challenges in cash generation. The operating cash flow to net income ratio was not calculable due to zero reported operating cash flow, highlighting potential issues in converting income to cash. The free cash flow to net income ratio remains positive, showing some efficiency in cash conversion.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue999.49M1.02B983.44M901.29M845.07M616.19M
Gross Profit569.66M929.21M891.85M209.39M185.08M-40.03M
EBITDA228.25M184.54M237.81M201.33M207.48M-50.01M
Net Income70.16M67.69M56.06M36.61M45.68M-188.97M
Balance Sheet
Total Assets1.88B1.91B1.90B1.91B1.98B2.21B
Cash, Cash Equivalents and Short-Term Investments37.83M47.68M40.25M37.83M74.13M316.99M
Total Debt813.48M783.99M778.13M713.55M728.91M976.39M
Total Liabilities1.00B991.07M997.29M1.02B1.07B1.34B
Stockholders Equity878.05M916.31M905.50M883.36M914.71M868.53M
Cash Flow
Free Cash Flow152.49M134.54M156.99M77.16M41.59M162.65M
Operating Cash Flow185.44M167.06M201.51M136.76M84.27M185.44M
Investing Cash Flow-48.94M-44.34M-56.75M-59.30M-53.28M-26.48M
Financing Cash Flow-144.14M-115.28M-142.34M-113.77M-273.84M117.53M

G8 Education Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.65
Price Trends
50DMA
0.81
Negative
100DMA
0.87
Negative
200DMA
1.06
Negative
Market Momentum
MACD
-0.04
Positive
RSI
18.82
Positive
STOCH
10.35
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:GEM, the sentiment is Negative. The current price of 0.65 is below the 20-day moving average (MA) of 0.80, below the 50-day MA of 0.81, and below the 200-day MA of 1.06, indicating a bearish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 18.82 is Positive, neither overbought nor oversold. The STOCH value of 10.35 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:GEM.

G8 Education Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
AU$138.48M10.0812.24%11.68%26.16%―
63
Neutral
AU$540.09M7.977.88%8.46%-0.89%16.45%
62
Neutral
$20.33B14.63-3.31%3.23%1.93%-12.26%
53
Neutral
AU$167.84M768.750.15%―-1.08%―
53
Neutral
AU$32.79M-6.2610.80%1.75%-2.81%-503.02%
41
Neutral
AU$26.80M-4.64-126.76%―-14.55%71.13%
* Consumer Defensive Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:GEM
G8 Education Limited
0.65
-0.61
-48.41%
AU:EVO
Evolve Education Group Ltd
0.66
-0.05
-6.56%
AU:CLU
Cluey Ltd
0.08
0.03
60.00%
AU:3PL
3P Learning Ltd.
0.62
-0.37
-37.37%
AU:KME
Kip McGrath Education Centres Limited
0.57
0.15
35.71%
AU:NDO
Nido Education Limited
0.62
-0.10
-13.89%

G8 Education Limited Corporate Events

G8 Education Faces Occupancy Challenges Amid Economic Pressures
Nov 3, 2025

G8 Education Limited reported continued challenges in occupancy rates due to economic pressures affecting families, with current figures showing a decline compared to previous periods. Despite these challenges, the company remains committed to regulatory compliance, quality improvements, and anticipates increased demand in 2026 due to policy changes, although it has revised its earnings forecast to reflect current conditions.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Share Buy-Back Program
Nov 3, 2025

G8 Education Limited has announced an update on its ongoing on-market buy-back program, revealing that a total of 165,314 ordinary fully paid securities were bought back on the previous day, adding to the cumulative total of 7,763,962 securities repurchased. This buy-back initiative is part of the company’s strategy to optimize its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Share Buy-Back Progress
Oct 30, 2025

G8 Education Limited has announced an update on its ongoing share buy-back program, revealing that a total of 253,084 ordinary fully paid shares were bought back on the previous day, adding to the cumulative total of 7,510,878 shares repurchased. This buy-back initiative is part of the company’s strategy to optimize its capital structure, potentially enhancing shareholder value and signaling confidence in its financial health.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Securities Buy-Back Program
Oct 27, 2025

G8 Education Limited announced an update regarding its ongoing on-market buy-back of ordinary fully paid securities, identified by the ASX security code GEM. As of the latest update on October 28, 2025, the company has repurchased a total of 7,182,265 securities, including 126,813 securities bought back on the previous day. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Securities Buy-Back Progress
Oct 23, 2025

G8 Education Limited has announced an update regarding its ongoing on-market buy-back of ordinary fully paid securities, with a total of 223,268 securities bought back on the previous day, adding to a cumulative total of 6,832,184 securities repurchased. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.92 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Buy-Back Program
Oct 22, 2025

G8 Education Limited has announced an update on its ongoing on-market buy-back program, with a total of 164,051 ordinary fully paid securities bought back on the previous day, adding to the cumulative total of 6,668,133 securities repurchased. This buy-back initiative is part of the company’s strategy to optimize its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.92 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Share Buy-Back Program
Oct 21, 2025

G8 Education Limited has announced an update on its ongoing share buy-back program, revealing that a total of 113,929 ordinary fully paid securities were bought back on the previous day, adding to the cumulative total of 6,554,204 securities bought back to date. This buy-back initiative is part of the company’s strategy to enhance shareholder value and optimize its capital structure, which could potentially impact its market positioning and stakeholder interests positively.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.92 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Share Buy-Back Program
Oct 20, 2025

G8 Education Limited has announced an update on its ongoing on-market buy-back program, reporting the repurchase of 194,122 ordinary fully paid securities on the previous day, bringing the total to 6,360,082 securities bought back to date. This buy-back initiative is part of the company’s strategy to optimize its capital structure and potentially enhance shareholder value, reflecting a commitment to returning capital to shareholders and reinforcing its market position.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.92 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Share Buy-Back Progress
Oct 16, 2025

G8 Education Limited has announced an update regarding its ongoing on-market buy-back program, with a total of 198,292 ordinary fully paid securities bought back on the previous day, adding to the cumulative total of 6,161,790 securities repurchased. This buy-back initiative is part of the company’s strategy to optimize its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Securities Buy-Back Program
Oct 14, 2025

G8 Education Limited has announced an update on its ongoing on-market buy-back program, with a total of 5,517,156 securities bought back before the previous day and an additional 242,075 securities purchased on the previous day. This buy-back initiative is part of the company’s strategy to manage its capital structure, potentially enhancing shareholder value and signaling confidence in its financial health.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Continues Securities Buy-Back Program
Oct 12, 2025

G8 Education Limited has announced a daily buy-back of its ordinary fully paid securities, with a total of 290,841 securities bought back on the previous day. This move is part of an ongoing buy-back program aimed at optimizing the company’s capital structure and potentially enhancing shareholder value.

The most recent analyst rating on (AU:GEM) stock is a Buy with a A$1.00 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Share Buy-Back Program
Oct 8, 2025

G8 Education Limited has announced an update regarding its ongoing on-market buy-back program. As of October 8, 2025, the company has repurchased a total of 4,963,550 ordinary fully paid securities, including 299,014 securities bought back on the previous day. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Share Buy-Back Program
Oct 2, 2025

G8 Education Limited has announced an update on its ongoing on-market buy-back program, with a total of 177,544 ordinary fully paid securities bought back on the previous day, adding to a cumulative total of 4,076,904 securities. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

State Street Corporation Ceases Substantial Holding in G8 Education
Oct 2, 2025

G8 Education Limited has announced that State Street Corporation and its subsidiaries have ceased to be substantial holders of the company’s voting securities as of September 30, 2025. This change in substantial holding may impact the company’s shareholder structure and could influence future voting outcomes and corporate decisions.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Share Buy-Back Program
Oct 1, 2025

G8 Education Limited has announced an update regarding its ongoing share buy-back program. As of October 2, 2025, the company has repurchased a total of 3,934,335 ordinary fully paid securities, with 142,569 bought back on the previous day. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Share Buy-Back Progress
Sep 29, 2025

G8 Education Limited has announced an update on its ongoing share buy-back program, with a total of 379,328 securities bought back on the previous day, adding to the cumulative total of 3,327,401 securities repurchased. This buy-back initiative is part of the company’s strategy to optimize its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Share Buy-Back Program
Sep 28, 2025

G8 Education Limited has announced an update on its ongoing share buy-back program, with a total of 3,210,310 securities bought back before the previous day and an additional 117,091 securities on the previous day. This buy-back initiative is part of the company’s strategy to enhance shareholder value and optimize its capital structure, which could positively impact its market positioning and stakeholder confidence.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Share Buy-Back Program
Sep 25, 2025

G8 Education Limited has announced an update on its ongoing on-market buy-back program. As of September 25, 2025, the company has repurchased a total of 3,210,310 of its ordinary fully paid shares, which includes 145,085 shares bought back on the previous day. This buy-back initiative is part of the company’s strategy to optimize its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Share Buy-Back Program
Sep 24, 2025

G8 Education Limited has announced an update regarding its ongoing on-market buy-back program. The company reported the buy-back of 227,312 ordinary fully paid securities on the previous day, adding to a total of 2,837,913 securities bought back before that day. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Share Buy-Back Program
Sep 23, 2025

G8 Education Limited has announced a daily update on its ongoing on-market buy-back program, with a total of 210,671 ordinary fully paid securities bought back on the previous day. This buy-back initiative reflects the company’s strategy to manage its capital structure effectively, potentially enhancing shareholder value by reducing the number of outstanding shares.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Announces Director’s Interest Change
Sep 19, 2025

G8 Education Limited has announced a change in the director’s interest, specifically involving Stephen Heath. The change, effective from September 16, 2025, involves an acquisition of 122,000 securities through Heath Nominees (Aust) Pty Ltd, with a total consideration of $100,003.91. This adjustment in director’s interest, executed through an on-market trade, reflects ongoing investment activities within the company and may have implications for its governance and stakeholder engagement.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates on Share Buy-Back Program
Sep 17, 2025

G8 Education Limited announced an update on its ongoing share buy-back program, revealing that a total of 646,361 ordinary fully paid securities were bought back on the previous day, adding to the 796,502 securities bought back before that day. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Director Increases Shareholding
Sep 16, 2025

G8 Education Limited has announced a change in the director’s interest, with Director Stephen Heath acquiring 122,000 shares through an on-market trade, increasing his total holdings to 159,750 shares. This acquisition reflects a significant investment in the company, potentially indicating confidence in its future performance and stability, which may have implications for stakeholders and the company’s market positioning.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Director Increases Shareholding
Sep 15, 2025

G8 Education Limited announced a change in the interest of its director, Debra Jane Singh, who acquired an additional 50,000 shares, increasing her total holdings to 205,000 shares. This on-market trade reflects a significant investment in the company, potentially signaling confidence in its future performance and stability, which may have implications for stakeholders and market perception.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Director Increases Stake in Company
Sep 15, 2025

G8 Education Limited announced a change in the director’s interest, with Peter Trimble acquiring an additional 30,000 GEM ORD securities through an on-market trade, increasing his total holdings to 205,000. This transaction reflects a strategic move by the director to strengthen his stake in the company, potentially signaling confidence in the company’s future performance and stability, which could impact investor perceptions positively.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Updates On-Market Buy-Back with Broker Appointment
Sep 1, 2025

G8 Education Limited has announced an update regarding its on-market buy-back program, appointing a broker to facilitate the process. This move reflects the company’s strategic decision to manage its capital structure, potentially enhancing shareholder value and signaling confidence in its financial health.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$0.90 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Announces On-Market Buy-Back
Aug 25, 2025

G8 Education Limited has announced an on-market buy-back of its ordinary fully paid securities, as indicated by its ASX security code GEM. This move is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value by reducing the number of shares outstanding in the market.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Limited Announces Dividend Distribution
Aug 25, 2025

G8 Education Limited has announced a dividend distribution of AUD 0.02 per share for the period ending June 30, 2025. The ex-dividend date is set for September 12, 2025, with the record date on September 15, 2025, and payment scheduled for October 3, 2025. This announcement reflects the company’s ongoing financial performance and commitment to returning value to its shareholders.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Releases 2025 Half-Year Results and Outlook
Aug 25, 2025

G8 Education Limited has released its investor presentation for the half-year ending June 30, 2025, which includes a trading update and future outlook. This announcement provides stakeholders with insights into the company’s operational performance and strategic direction, potentially impacting its market positioning and investor confidence.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

G8 Education Reports Increased Profit Despite Revenue Decline
Aug 25, 2025

G8 Education Limited has released its 2025 Interim Financial Report, revealing a 4% decrease in revenue from ordinary activities to $465,419, while profit after tax attributable to members increased by 12% to $22,508. The company declared a fully franked interim dividend of 2.0 cents per share, to be paid on 3 October 2025, indicating a stable financial position despite the revenue decline.

The most recent analyst rating on (AU:GEM) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on G8 Education Limited stock, see the AU:GEM Stock Forecast page.

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: Nov 05, 2025