We assign a fundamental rating of 3 out of 10 to JNVR. JNVR was compared to 54 industry peers in the Consumer Finance industry. No worries on liquidiy or solvency for JNVR as it has an excellent financial health rating, but there are worries on the profitability. JNVR has a expensive valuation and it also scores bad on growth.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year JNVR has reported negative net income.
JNVR had a negative operating cash flow in the past year.
JNVR had negative earnings in 4 of the past 5 years.
In multiple years JNVR reported negative operating cash flow during the last 5 years.

1.2 Ratios

JNVR has a Return On Assets of -62.32%. This is amonst the worse of the industry: JNVR underperforms 96.15% of its industry peers.
JNVR's Return On Equity of -77.87% is on the low side compared to the rest of the industry. JNVR is outperformed by 92.31% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

JNVR has a Gross Margin of 98.48%. This is amongst the best in 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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

JNVR does not have a ROIC to compare to the WACC, probably because it is not profitable.
JNVR has more shares outstanding than it did 1 year ago.
There is no outstanding debt for JNVR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

JNVR has an Altman-Z score of 81.52. This indicates that JNVR is financially healthy and has little risk of bankruptcy at the moment.
JNVR has a better Altman-Z score (81.52) than 100.00% of its industry peers.
There is no outstanding debt for JNVR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	81.52

ROIC/WACCN/A

WACC9.01%

2.3 Liquidity

A Current Ratio of 5.52 indicates that JNVR has no problem at all paying its short term obligations.
JNVR has a better Current ratio (5.52) than 90.38% of its industry peers.
A Quick Ratio of 5.52 indicates that JNVR has no problem at all paying its short term obligations.
JNVR's Quick ratio of 5.52 is amongst the best of the industry. JNVR outperforms 90.38% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	5.52
Quick Ratio	5.52

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for JNVR have decreased strongly by -441.26% in the last year.
JNVR shows a small growth in Revenue. In the last year, the Revenue has grown by 4.97%.
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.