NF4 Fundamental Analysis - NETFONDS AG

Fundamental Rating

NF4 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 127 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.

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1. Profitability

1.1 Basic Checks

NF4 had negative earnings in the past year.
In the past year NF4 has reported a negative cash flow from operations.
In the past 5 years NF4 has always been profitable.
In multiple years NF4 reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of NF4 (-0.29%) is worse than 64.80% of its industry peers.
The Return On Equity of NF4 (-1.41%) is worse than 64.80% 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 48.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for NF4 is significantly below the industry average of 8.63%.

		Industry Rank	Sector 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%

1.3 Margins

In the last couple of years the Profit Margin of NF4 has declined.
NF4's Operating Margin of 0.57% is in line compared to the rest of the industry. NF4 outperforms 48.80% of its industry peers.
In the last couple of years the Operating Margin of NF4 has grown nicely.
NF4 has a Gross Margin (21.40%) which is in line with its industry peers.
NF4's Gross Margin has been stable in the last couple of years.

		Industry Rank	Sector 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

NF4 has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, NF4 has more shares outstanding
Compared to 1 year ago, NF4 has a worse debt to assets ratio.

2.2 Solvency

NF4 has an Altman-Z score of 2.66. 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.
The Altman-Z score of NF4 (2.66) is better than 76.00% 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.
The Debt to Equity ratio of NF4 (1.21) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	1.21
Debt/FCF	N/A
Altman-Z	2.66

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

NF4 has a Current Ratio of 1657.09. This indicates that NF4 is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 1657.09, NF4 belongs to the best 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.
With an excellent Quick ratio value of 1657.09, NF4 belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	1657.09
Quick Ratio	1657.09

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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

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.
Measured over the past years, NF4 shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -44.00% on average per year.
Looking at the last year, NF4 shows a very strong growth in Revenue. The Revenue has grown by 22.95%.
NF4 shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.92% yearly.

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

NF4 is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 34.02% yearly.
The Revenue is expected to grow by 9.77% on average over the next years. This is quite good.

EPS Next Y23.34%

EPS Next 2Y41.29%

EPS Next 3Y34.02%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for NF4. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 19.71 indicates a rather expensive valuation of NF4.
Based on the Price/Forward Earnings ratio, NF4 is valued a bit cheaper than the industry average as 63.20% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of NF4 to the average of the S&P500 Index (24.26), we can say NF4 is valued inline with the index average.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	19.71

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as NF4.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	150.94

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as NF4's earnings are expected to grow with 34.02% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y41.29%

EPS Next 3Y34.02%

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5. Dividend

5.1 Amount

With a yearly dividend of 0.82%, NF4 is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.01, NF4 has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, NF4's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.82%

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

5.3 Sustainability

The earnings of NF4 are negative and hence is the payout ratio. NF4 will probably not be able to sustain this dividend level.

DP-0.22%

EPS Next 2Y41.29%

EPS Next 3Y34.02%

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NETFONDS AG

FRA:NF4 (1/14/2026, 7:00:00 PM)

42.6

-0.4 (-0.93%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)12-10 2025-12-10

Earnings (Next)01-19 2026-01-19/amc

Inst Owners4.34%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap99.26M

Revenue(TTM)113.28M

Net Income(TTM)-317.00K

Analysts85.71

Price Target72.76 (70.8%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.82%

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)-1.08%

EPS NY rev (3m)-1.08%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)1.36%

Revenue NY rev (3m)1.36%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	19.71
P/S	0.88
P/FCF	N/A
P/OCF	N/A
P/B	4.4
P/tB	N/A
EV/EBITDA	150.94

EPS(TTM)-0.09

EYN/A

EPS(NY)2.16

Fwd EY5.07%

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 Rank	Sector 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 Rank	Sector 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	2.66

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 Y23.34%

EPS Next 2Y41.29%

EPS Next 3Y34.02%

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 3 / 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 23.34% in the next year.

NETFONDS AG (NF4.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

NETFONDS AG / NF4.DE FAQ

What is the fundamental rating for NF4 stock?

Can you provide the valuation status for NETFONDS AG?

What is the profitability of NF4 stock?

How financially healthy is NETFONDS AG?

Can you provide the expected EPS growth for NF4 stock?