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JANOVER INC (JNVR) Stock Fundamental Analysis

NASDAQ:JNVR - Nasdaq - US47100L3015 - Common Stock - Currency: USD

80.0841  +5.59 (+7.51%)

Fundamental Rating

3

Taking everything into account, JNVR scores 3 out of 10 in our fundamental rating. JNVR was compared to 52 industry peers in the Consumer Finance industry. While JNVR has a great health rating, there are worries on its profitability. JNVR does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

JNVR had negative earnings in the past year.
JNVR had a negative operating cash flow in the past year.
In the past 5 years JNVR reported 4 times negative net income.
The reported operating cash flow has been mixed in the past 5 years: JNVR reported negative operating cash flow in multiple years.
JNVR Yearly Net Income VS EBIT VS OCF VS FCFJNVR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 -1M -2M -3M

1.2 Ratios

JNVR's Return On Assets of -62.32% is on the low side compared to the rest of the industry. JNVR is outperformed by 96.15% of its industry peers.
JNVR has a worse Return On Equity (-77.87%) than 92.31% of its industry peers.
Industry RankSector Rank
ROA -62.32%
ROE -77.87%
ROIC N/A
ROA(3y)-68.94%
ROA(5y)-50.14%
ROE(3y)-124.54%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
JNVR Yearly ROA, ROE, ROICJNVR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 -100 -200 -300

1.3 Margins

JNVR's Gross Margin of 98.48% is amongst the best of the industry. JNVR outperforms 92.31% of its industry peers.
The Profit Margin and Operating Margin are not available for JNVR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 98.48%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
JNVR Yearly Profit, Operating, Gross MarginsJNVR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 50 -50 -100 -150

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8

2. Health

2.1 Basic Checks

JNVR does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, JNVR has more shares outstanding
JNVR has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
JNVR Yearly Shares OutstandingJNVR Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2M 4M 6M 8M
JNVR Yearly Total Debt VS Total AssetsJNVR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 2M 4M 6M

2.2 Solvency

JNVR has an Altman-Z score of 71.20. This indicates that JNVR is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 71.20, JNVR belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
JNVR has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 71.2
ROIC/WACCN/A
WACC8.83%
JNVR Yearly LT Debt VS Equity VS FCFJNVR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 0 2M -2M 4M

2.3 Liquidity

JNVR has a Current Ratio of 5.52. This indicates that JNVR is financially healthy and has no problem in meeting its short term obligations.
JNVR has a better Current ratio (5.52) than 90.38% of its industry peers.
JNVR has a Quick Ratio of 5.52. This indicates that JNVR is financially healthy and has no problem in meeting its short term obligations.
JNVR has a better Quick ratio (5.52) than 90.38% of its industry peers.
Industry RankSector Rank
Current Ratio 5.52
Quick Ratio 5.52
JNVR Yearly Current Assets VS Current LiabilitesJNVR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M

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1

3. Growth

3.1 Past

The earnings per share for JNVR have decreased strongly by -441.26% in the last year.
The Revenue has been growing slightly by 4.97% in the past year.
JNVR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.98% yearly.
EPS 1Y (TTM)-441.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-206.78%
Revenue 1Y (TTM)4.97%
Revenue growth 3Y1.98%
Revenue growth 5YN/A
Sales Q2Q%79.58%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
JNVR Yearly Revenue VS EstimatesJNVR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 500K 1M 1.5M 2M

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for JNVR. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
JNVR Price Earnings VS Forward Price EarningsJNVR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
JNVR Per share dataJNVR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 2

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for JNVR!.
Industry RankSector Rank
Dividend Yield N/A

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JANOVER INC

NASDAQ:JNVR (5/1/2025, 12:48:29 PM)

80.0841

+5.59 (+7.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.44%
Inst Owner Change0%
Ins Owners52.89%
Ins Owner Change-862.79%
Market Cap117.72M
AnalystsN/A
Price TargetN/A
Short Float %21.58%
Short Ratio0.18
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 56.07
P/FCF N/A
P/OCF N/A
P/B 33.62
P/tB 46.77
EV/EBITDA N/A
EPS(TTM)-1.96
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-1.66
FCFYN/A
OCF(TTM)-1.65
OCFYN/A
SpS1.43
BVpS2.38
TBVpS1.71
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -62.32%
ROE -77.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 98.48%
FCFM N/A
ROA(3y)-68.94%
ROA(5y)-50.14%
ROE(3y)-124.54%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.48
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 9.96%
Cap/Sales 1.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 5.52
Quick Ratio 5.52
Altman-Z 71.2
F-Score5
WACC8.83%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-441.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-206.78%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.97%
Revenue growth 3Y1.98%
Revenue growth 5YN/A
Sales Q2Q%79.58%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y14.25%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-52.86%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-54.27%
OCF growth 3YN/A
OCF growth 5YN/A