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1. Company Snapshot

1.a. Company Description

JDC Group AG, a cutting-edge financial services company, provides financial product intermediary and advisory services in Germany and Austria.It operates through Advisortech and Advisory segments.The Advisortech segment engages in the distribution of financial products to retail customers through independent financial advisers and brokers.


This segment offers investment funds; closed-end funds; and insurance products.The Advisory segment provides independent pension and investment advisory services for retail customers.Its products include insurances, securities, material values, and financing.


JDC Group AG was formerly known as Aragon AG and changed its name to JDC Group AG in July 2015.JDC Group AG was founded in 2004 and is based in Wiesbaden, Germany.

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1.b. Last Insights on JDC

JDC Group AG faced challenges due to unfavorable market conditions, with the pan-European STOXX Europe 600 Index experiencing volatility amid mixed economic indicators. The company's recent performance was likely impacted by shifting interest rates and varied monetary policy decisions. Although no specific earnings release data is available, the current market landscape may have affected JDC Group's operations. According to recent articles, investors are closely monitoring small-cap stocks, suggesting that JDC Group, as a relatively small player, may be navigating a complex environment.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Investors in JDC Group (ETR:JDC) have seen splendid returns of 176% over the past five years

Dec -04

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3 Undiscovered European Gems To Enhance Your Portfolio

Oct -24

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Undiscovered Gems in Europe to Watch This September 2025

Sep -22

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JDC Group Second Quarter 2025 Earnings: EPS: €0.08 (vs €0.05 in 2Q 2024)

Aug -17

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Discovering Europe's Hidden Stock Gems July 2025

Jul -31

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Discovering Three European Small Caps with Promising Potential

Jun -24

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Individual investors account for 44% of JDC Group AG's (ETR:JDC) ownership, while public companies account for 27%

Jun -19

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Exploring Europe's Undiscovered Gems in May 2025

May -09

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (11.62%)

6. Segments

Advisor Tech

Expected Growth: 12%

Advisor Tech from JDC Group AG's 12% growth is driven by increasing demand for digital wealth management solutions, expansion into new markets, and strategic partnerships. Additionally, the company's focus on AI-powered investment tools, user-friendly interfaces, and data analytics capabilities have contributed to its growth. Furthermore, the rising adoption of robo-advisory services and the need for financial institutions to digitize their operations have also fueled the segment's growth.

Advisory

Expected Growth: 11%

JDC Group AG's 11% growth is driven by increasing demand for digital transformation services, strategic acquisitions, and expansion into high-growth markets. Additionally, the company's strong brand reputation, innovative solutions, and cost-effective services contribute to its growth momentum.

Transfer

Expected Growth: 10%

The 10% growth driven by JDC Group AG's strategic expansion into emerging markets, increased demand for digital transformation services, and successful integration of acquired companies, resulting in enhanced operational efficiency and cost savings.

Holding

Expected Growth: 9%

JDC Group AG's 9% growth is driven by increasing demand for digital transformation services, expansion into new markets, and strategic acquisitions. The company's strong brand reputation, innovative solutions, and cost-effective services also contribute to its growth. Additionally, the growing need for IT consulting and outsourcing services in various industries, such as healthcare and finance, further fuels JDC's growth.

7. Detailed Products

JDC Enterprise

A comprehensive software solution for insurance companies, providing policy administration, claims management, and billing capabilities.

JDC Life

A specialized software solution for life insurance companies, offering features for policy administration, underwriting, and actuarial calculations.

JDC P&C

A software solution for property and casualty insurance companies, providing features for policy administration, claims management, and risk assessment.

JDC Reinsurance

A software solution for reinsurance companies, offering features for treaty and facultative reinsurance management, as well as risk modeling and analysis.

JDC Consulting

A consulting service providing expertise in insurance industry best practices, system implementation, and process optimization.

JDC Academy

A training and education platform providing insurance industry-specific courses and certifications.

8. JDC Group AG's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for JDC Group AG is moderate, as there are some alternatives available in the market, but they are not very attractive to customers.

Bargaining Power Of Customers

The bargaining power of customers is low, as JDC Group AG has a strong brand image and customers are loyal to the brand.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate, as JDC Group AG has a diverse supplier base, but some suppliers have a higher bargaining power due to their size and importance.

Threat Of New Entrants

The threat of new entrants is high, as the market is attractive and there are low barriers to entry, making it easy for new companies to enter the market.

Intensity Of Rivalry

The intensity of rivalry is high, as there are many competitors in the market, and the competition is fierce, with companies competing on price, quality, and innovation.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 26.86%
Debt Cost 3.95%
Equity Weight 73.14%
Equity Cost 8.78%
WACC 7.48%
Leverage 36.73%

11. Quality Control: JDC Group AG passed 6 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
FBD

A-Score: 6.9/10

Value: 6.7

Growth: 5.1

Quality: 8.1

Yield: 6.2

Momentum: 7.5

Volatility: 7.7

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Aktia

A-Score: 6.7/10

Value: 4.8

Growth: 4.6

Quality: 4.9

Yield: 10.0

Momentum: 6.5

Volatility: 9.7

1-Year Total Return ->

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Ratos

A-Score: 6.2/10

Value: 8.7

Growth: 4.4

Quality: 6.2

Yield: 5.6

Momentum: 6.0

Volatility: 6.0

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Flow Traders

A-Score: 5.4/10

Value: 8.2

Growth: 5.0

Quality: 6.1

Yield: 0.0

Momentum: 8.5

Volatility: 4.7

1-Year Total Return ->

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Liontrust Asset Management

A-Score: 5.3/10

Value: 7.2

Growth: 4.2

Quality: 7.1

Yield: 10.0

Momentum: 1.5

Volatility: 2.0

1-Year Total Return ->

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Stock-Card
JDC

A-Score: 4.8/10

Value: 1.7

Growth: 7.7

Quality: 7.5

Yield: 0.0

Momentum: 8.5

Volatility: 3.3

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

28.0$

Current Price

28$

Potential

-0.00%

Expected Cash-Flows