Logo image of JNVR

JANOVER INC (JNVR) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:JNVR - US47100L3015 - Common Stock

79.31 USD
-2.97 (-3.61%)
Last: 5/2/2025, 8:05:25 PM
78.25 USD
-1.06 (-1.34%)
After Hours: 5/2/2025, 8:05:25 PM
Fundamental Rating

3

Taking everything into account, JNVR scores 3 out of 10 in our fundamental rating. JNVR was compared to 55 industry peers in the Consumer Finance industry. JNVR has a great financial health rating, but its profitability evaluates not so good. JNVR is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

1

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.
In the past 5 years JNVR reported 4 times negative net income.
In multiple years JNVR reported negative operating cash flow during the last 5 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 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 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 has a better Gross Margin (98.48%) than 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

More info and screens

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 81.52. This indicates that JNVR is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of JNVR (81.52) is better than 100.00% of its industry peers.
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 81.52
ROIC/WACCN/A
WACC9.01%
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

A Current Ratio of 5.52 indicates that JNVR has no problem at all paying its short term obligations.
With an excellent Current ratio value of 5.52, JNVR belongs to the best of the industry, outperforming 90.38% of the companies in the same industry.
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's Quick ratio of 5.52 is amongst the best of the industry. JNVR outperforms 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

More info and screens

1

3. Growth

3.1 Past

JNVR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -441.26%.
The Revenue has been growing slightly by 4.97% in the past year.
Measured over the past years, JNVR shows a small growth in Revenue. The Revenue has been growing by 1.98% on average per year.
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

More info and screens

0

4. Valuation

4.1 Price/Earnings Ratio

JNVR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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

More info and screens

0

5. Dividend

5.1 Amount

JNVR does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

JANOVER INC

NASDAQ:JNVR (5/2/2025, 8:05:25 PM)

After market: 78.25 -1.06 (-1.34%)

79.31

-2.97 (-3.61%)

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 Change154.07%
Ins Owners52.89%
Ins Owner Change0%
Market Cap124.52M
Revenue(TTM)2.10M
Net Income(TTM)-2.73M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
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 59.3
P/FCF N/A
P/OCF N/A
P/B 35.56
P/tB 49.47
EV/EBITDA N/A
EPS(TTM)-1.96
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-1.55
FCFYN/A
OCF(TTM)-1.54
OCFYN/A
SpS1.34
BVpS2.23
TBVpS1.6
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/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
ROICexgc growth 3YN/A
ROICexgc 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 81.52
F-Score5
WACC9.01%
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

JANOVER INC / JNVR FAQ

What is the ChartMill fundamental rating of JANOVER INC (JNVR) stock?

ChartMill assigns a fundamental rating of 3 / 10 to JNVR.


Can you provide the valuation status for JANOVER INC?

ChartMill assigns a valuation rating of 0 / 10 to JANOVER INC (JNVR). This can be considered as Overvalued.


Can you provide the profitability details for JANOVER INC?

JANOVER INC (JNVR) has a profitability rating of 1 / 10.


How financially healthy is JANOVER INC?

The financial health rating of JANOVER INC (JNVR) is 8 / 10.