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FinLab AG
(XETRA:A7A)
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Rating:61Neutral
Price Target:
€15.50
▼(-2.52% Downside)
Action:Reiterated
Date:08/04/26
The score is held back primarily by weak cash-flow conversion (negative operating/free cash flow in 2024–2025) and highly volatile financial performance, including a sharp 2025 revenue contraction. Offsetting factors include a relatively manageable leverage profile and moderately positive technical momentum. Valuation is supportive due to an extremely low P/E, but is tempered by concerns that recent earnings may be driven by non-core/one-off items rather than repeatable cash-generating performance.
Positive Factors
Focused fintech investment platform
A dedicated fintech investment platform gives FinLab structural exposure to a secular growth theme and allows specialization in sourcing, supporting and exiting fintech assets. This business model lets the company compound value via equity stakes and exits across portfolio companies over a 2–6 month horizon and beyond.
Negative Factors
Poor cash generation
Sustained negative operating and free cash flow undermines the firm's ability to fund operations and follow-on investments from internal sources. This increases dependence on external financing or asset sales, elevating funding and execution risk for the investment platform over the next several months.
Read all positive and negative factors
Positive Factors
Negative Factors
Focused fintech investment platform
A dedicated fintech investment platform gives FinLab structural exposure to a secular growth theme and allows specialization in sourcing, supporting and exiting fintech assets. This business model lets the company compound value via equity stakes and exits across portfolio companies over a 2–6 month horizon and beyond.
Read all positive factors
FinLab AG (A7A) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€130.67M
Dividend YieldN/A
Average Volume (3M)4.21K
Price to Earnings (P/E)1.1
Beta (1Y)0.59
Revenue Growth-73.69%
EPS Growth251.19%
CountryDE
Employees10
SectorFinancial
Sector Strength70
IndustryAsset Management
Share Statistics
EPS (TTM)N/A
Shares Outstanding9,011,768
10 Day Avg. Volume3,378
30 Day Avg. Volume4,206
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)1.79
Price to Sales (P/S)148.70
P/FCF Ratio-92.32
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)N/A
Revenue Forecast (FY)N/A
FinLab AG Business Overview & Revenue Model
Company Description
Heliad AG, formerly FinLab AG, operates as a venture capital firm primarily focused on providing growth, early-stage, and subsequent financing to companies in the fintech sector. The firm also allocates capital to other venture capital funds, espe...
How the Company Makes Money
FinLab AG makes money primarily through investment-related returns generated by its portfolio of fintech holdings. Its key economic drivers are (1) value appreciation of equity stakes in portfolio companies (reflected through realized gains when s...
FinLab AG Financial Statement Overview
Summary
Income Statement
55
Neutral
Balance Sheet
70
Positive
Cash Flow
35
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 871.00K | 3.67M | 4.24M | 2.06M | 5.42M |
| Gross Profit | -1.46M | 1.41M | -182.00K | 2.08M | 7.50M |
| EBITDA | 116.55M | 32.13M | -18.17M | 486.63K | 198.18K |
| Net Income | 106.94M | 30.57M | -15.61M | 2.04M | -347.58K |
Balance Sheet | |||||
| Total Assets | 96.65M | 97.64M | 91.27M | 60.85M | 59.28M |
| Cash, Cash Equivalents and Short-Term Investments | 2.06M | 6.66M | 10.42M | 2.76M | 8.47M |
| Total Debt | 22.22M | 18.41M | 14.94M | 46.00K | 39.00K |
| Total Liabilities | 24.20M | 21.05M | 17.43M | 1.98M | 2.45M |
| Stockholders Equity | 72.45M | 76.60M | 73.85M | 58.87M | 56.84M |
Cash Flow | |||||
| Free Cash Flow | -1.40M | -2.02M | 721.00 | 3.41K | 50.80K |
| Operating Cash Flow | -1.40M | -2.02M | 721.00 | 3.41K | 50.80K |
| Investing Cash Flow | -6.80M | -4.24M | -1.64K | -9.02K | 0.00 |
| Financing Cash Flow | 3.60M | 2.50M | 8.66M | 0.00 | 0.00 |
FinLab AG Technical Analysis
Positive
15.90
Price Trends
14.09
Positive
13.92
Positive
14.37
Positive
Market Momentum
0.09
Positive
57.97
Neutral
65.28
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:A7A, the sentiment is Positive. The current price of 15.9 is above the 20-day moving average (MA) of 14.50, above the 50-day MA of 14.09, and above the 200-day MA of 14.37, indicating a neutral trend. The MACD of 0.09 indicates Positive momentum. The RSI at 57.97 is Neutral, neither overbought nor oversold. The STOCH value of 65.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:A7A.
FinLab AG Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | €73.58M | 3.13 | 22.19% | 3.94% | -34.04% | 77.23% | |
61 Neutral | €130.67M | 1.14 | 145.03% | ― | -73.69% | 251.19% | |
52 Neutral | €213.11M | -11.38 | -10.23% | ― | ― | ― | |
43 Neutral | €83.08M | -4.92 | -32.51% | ― | 11.71% | -140.08% |
* Financial Sector Average
DE:A7A
FinLab AG
14.50
-0.21
-1.43%
DE:B7E
Blue Cap AG
16.40
0.48
3.05%
DE:IPOK
Heidelberger Beteiligungsholding AG
136.00
19.00
16.24%
DE:SVE
Shareholder Value Beteiligungen AG
72.50
-16.50
-18.54%
DE:LQAG
Lloyd Fonds Aktiengesellschaft
4.52
-1.02
-18.41%
DE:BKHT
Brockhaus Technologies AG
20.60
7.80
60.94%
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.