NETFONDS AG (NF4.DE) Stock Fundamental Analysis

FRA:NF4 • DE000A1MME74

45.2 EUR
0 (0%)
Last: Feb 16, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Overall NF4 gets a fundamental rating of 4 out of 10. We evaluated NF4 against 120 industry peers in the Capital Markets industry. While NF4 seems to be doing ok healthwise, there are quite some concerns on its profitability. NF4 is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year NF4 has reported negative net income.
  • In the past year NF4 has reported a negative cash flow from operations.
  • In the past 5 years NF4 has always been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: NF4 reported negative operating cash flow in multiple years.
NF4.DE Yearly Net Income VS EBIT VS OCF VS FCFNF4.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M

1.2 Ratios

  • NF4 has a worse Return On Assets (-0.29%) than 64.17% of its industry peers.
  • The Return On Equity of NF4 (-1.41%) is worse than 64.17% of its industry peers.
  • NF4's Return On Invested Capital of 0.42% is in line compared to the rest of the industry. NF4 outperforms 50.00% of its industry peers.
  • NF4 had an Average Return On Invested Capital over the past 3 years of 2.25%. This is significantly below the industry average of 8.77%.
Industry RankSector Rank
ROA -0.29%
ROE -1.41%
ROIC 0.42%
ROA(3y)0.99%
ROA(5y)3.18%
ROE(3y)3.82%
ROE(5y)10.69%
ROIC(3y)2.25%
ROIC(5y)4%
NF4.DE Yearly ROA, ROE, ROICNF4.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40

1.3 Margins

  • In the last couple of years the Profit Margin of NF4 has declined.
  • The Operating Margin of NF4 (0.57%) is comparable to the rest of the industry.
  • NF4's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 21.40%, NF4 is in line with its industry, outperforming 55.00% of the companies in the same industry.
  • In the last couple of years the Gross Margin of NF4 has remained more or less at the same level.
Industry RankSector Rank
OM 0.57%
PM (TTM) N/A
GM 21.4%
OM growth 3Y-38.49%
OM growth 5Y19.69%
PM growth 3Y-47.75%
PM growth 5YN/A
GM growth 3Y0.28%
GM growth 5Y-1.19%
NF4.DE Yearly Profit, Operating, Gross MarginsNF4.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, NF4 has about the same amount of shares outstanding.
  • NF4 has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for NF4 is higher compared to a year ago.
NF4.DE Yearly Shares OutstandingNF4.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M
NF4.DE Yearly Total Debt VS Total AssetsNF4.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.2 Solvency

  • NF4 has an Altman-Z score of 2.70. This is not the best score and indicates that NF4 is in the grey zone with still only limited risk for bankruptcy at the moment.
  • NF4 has a Altman-Z score of 2.70. This is in the better half of the industry: NF4 outperforms 77.50% of its industry peers.
  • A Debt/Equity ratio of 1.21 is on the high side and indicates that NF4 has dependencies on debt financing.
  • NF4 has a Debt to Equity ratio (1.21) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.21
Debt/FCF N/A
Altman-Z 2.7
ROIC/WACCN/A
WACCN/A
NF4.DE Yearly LT Debt VS Equity VS FCFNF4.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

2.3 Liquidity

  • A Current Ratio of 1657.09 indicates that NF4 has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 1657.09, NF4 belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • A Quick Ratio of 1657.09 indicates that NF4 has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1657.09, NF4 belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1657.09
Quick Ratio 1657.09
NF4.DE Yearly Current Assets VS Current LiabilitesNF4.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • NF4 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 2300.00%, which is quite impressive.
  • The earnings per share for NF4 have been decreasing by -44.00% on average. This is quite bad
  • NF4 shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.95%.
  • Measured over the past years, NF4 shows a quite strong growth in Revenue. The Revenue has been growing by 15.92% on average per year.
EPS 1Y (TTM)2300%
EPS 3Y-44%
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)22.95%
Revenue growth 3Y7.06%
Revenue growth 5Y15.92%
Sales Q2Q%N/A

3.2 Future

  • Based on estimates for the next years, NF4 will show a very strong growth in Earnings Per Share. The EPS will grow by 28.89% on average per year.
  • Based on estimates for the next years, NF4 will show a quite strong growth in Revenue. The Revenue will grow by 9.77% on average per year.
EPS Next Y20.75%
EPS Next 2Y37.39%
EPS Next 3Y28.89%
EPS Next 5YN/A
Revenue Next Year21.35%
Revenue Next 2Y16.73%
Revenue Next 3Y14.04%
Revenue Next 5Y9.77%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
NF4.DE Yearly Revenue VS EstimatesNF4.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 100M 200M 300M
NF4.DE Yearly EPS VS EstimatesNF4.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for NF4. In the last year negative earnings were reported.
  • With a Price/Forward Earnings ratio of 21.36, NF4 is valued on the expensive side.
  • The rest of the industry has a similar Price/Forward Earnings ratio as NF4.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.10, NF4 is valued a bit cheaper.
Industry RankSector Rank
PE N/A
Fwd PE 21.36
NF4.DE Price Earnings VS Forward Price EarningsNF4.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -100 -200 -300 -400 -500

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as NF4.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 160.22
NF4.DE Per share dataNF4.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as NF4's earnings are expected to grow with 28.89% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y37.39%
EPS Next 3Y28.89%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.77%, NF4 is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 3.15, NF4 has a dividend in line with its industry peers.
  • With a Dividend Yield of 0.77, NF4 pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.77%

5.2 History

  • The dividend of NF4 decreases each year by -71.88%.
Dividend Growth(5Y)-71.88%
Div Incr Years0
Div Non Decr Years3
NF4.DE Yearly Dividends per shareNF4.DE Yearly Dividends per shareYearly Dividends per share 2019 2021 2022 2023 2024 2025 0.1 0.2 0.3

5.3 Sustainability

  • NF4 has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-0.22%
EPS Next 2Y37.39%
EPS Next 3Y28.89%
NF4.DE Yearly Income VS Free CF VS DividendNF4.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M -10M -15M

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NETFONDS AG

FRA:NF4 (2/16/2026, 7:00:00 PM)

45.2

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)12-10
Earnings (Next)03-09
Inst Owners4.34%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap105.32M
Revenue(TTM)113.28M
Net Income(TTM)-317.00K
Analysts85.71
Price Target72.76 (60.97%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.77%
Yearly Dividend0
Dividend Growth(5Y)-71.88%
DP-0.22%
Div Incr Years0
Div Non Decr Years3
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)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.1%
EPS NY rev (3m)-3.16%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.36%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 21.36
P/S 0.93
P/FCF N/A
P/OCF N/A
P/B 4.67
P/tB N/A
EV/EBITDA 160.22
EPS(TTM)-0.09
EYN/A
EPS(NY)2.12
Fwd EY4.68%
FCF(TTM)0
FCFYN/A
OCF(TTM)0
OCFYN/A
SpS48.62
BVpS9.68
TBVpS-2.28
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.29%
ROE -1.41%
ROCE 0.59%
ROIC 0.42%
ROICexc 0.49%
ROICexgc 0.7%
OM 0.57%
PM (TTM) N/A
GM 21.4%
FCFM N/A
ROA(3y)0.99%
ROA(5y)3.18%
ROE(3y)3.82%
ROE(5y)10.69%
ROIC(3y)2.25%
ROIC(5y)4%
ROICexc(3y)2.52%
ROICexc(5y)4.4%
ROICexgc(3y)3.29%
ROICexgc(5y)5.72%
ROCE(3y)3.19%
ROCE(5y)5.68%
ROICexgc growth 3Y-39.13%
ROICexgc growth 5Y26.2%
ROICexc growth 3Y-41.26%
ROICexc growth 5Y23.49%
OM growth 3Y-38.49%
OM growth 5Y19.69%
PM growth 3Y-47.75%
PM growth 5YN/A
GM growth 3Y0.28%
GM growth 5Y-1.19%
F-Score2
Asset Turnover1.04
Health
Industry RankSector Rank
Debt/Equity 1.21
Debt/FCF N/A
Debt/EBITDA 41.91
Cap/Depr 63.83%
Cap/Sales 0%
Interest Coverage 720
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1657.09
Quick Ratio 1657.09
Altman-Z 2.7
F-Score2
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)64.54%
Cap/Depr(5y)66.21%
Cap/Sales(3y)0.82%
Cap/Sales(5y)0.97%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)2300%
EPS 3Y-44%
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y20.75%
EPS Next 2Y37.39%
EPS Next 3Y28.89%
EPS Next 5YN/A
Revenue 1Y (TTM)22.95%
Revenue growth 3Y7.06%
Revenue growth 5Y15.92%
Sales Q2Q%N/A
Revenue Next Year21.35%
Revenue Next 2Y16.73%
Revenue Next 3Y14.04%
Revenue Next 5Y9.77%
EBIT growth 1Y146.82%
EBIT growth 3Y-34.14%
EBIT growth 5Y38.75%
EBIT Next Year119.84%
EBIT Next 3Y49.68%
EBIT Next 5YN/A
FCF growth 1Y99.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-100.28%
OCF growth 3YN/A
OCF growth 5YN/A

NETFONDS AG / NF4.DE FAQ

What is the fundamental rating for NF4 stock?

ChartMill assigns a fundamental rating of 4 / 10 to NF4.DE.


Can you provide the valuation status for NETFONDS AG?

ChartMill assigns a valuation rating of 2 / 10 to NETFONDS AG (NF4.DE). This can be considered as Overvalued.


What is the profitability of NF4 stock?

NETFONDS AG (NF4.DE) has a profitability rating of 3 / 10.


How financially healthy is NETFONDS AG?

The financial health rating of NETFONDS AG (NF4.DE) is 5 / 10.


Can you provide the expected EPS growth for NF4 stock?

The Earnings per Share (EPS) of NETFONDS AG (NF4.DE) is expected to grow by 20.75% in the next year.