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Lloyd Fonds

DB:L1OA
Snowflake Description

High growth potential with mediocre balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
L1OA
DB
€42M
Market Cap
  1. Home
  2. DE
  3. Diversified Financials
Company description

Lloyd Fonds AG, together with its subsidiaries, develops, arranges, initiates, and markets investment products for private and institutional investors in Germany and Singapore. The last earnings update was 189 days ago. More info.


Add to Portfolio Compare Print
  • Lloyd Fonds has significant price volatility in the past 3 months.
L1OA Share Price and Events
7 Day Returns
-6.7%
DB:L1OA
-6.8%
DE Capital Markets
-2.7%
DE Market
1 Year Returns
-42.6%
DB:L1OA
-11.8%
DE Capital Markets
-20.4%
DE Market
L1OA Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Lloyd Fonds (L1OA) -6.7% -32.4% -42.1% -42.6% -6.9% 55.9%
DE Capital Markets -6.8% -21.9% -18% -11.8% -29% -57.8%
DE Market -2.7% -18.4% -26.7% -20.4% -25.9% -30.4%
1 Year Return vs Industry and Market
  • L1OA underperformed the Capital Markets industry which returned -11.8% over the past year.
  • L1OA underperformed the Market in Germany which returned -20.4% over the past year.
Price Volatility
L1OA
Industry
5yr Volatility vs Market

Value

 Is Lloyd Fonds undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Lloyd Fonds to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Lloyd Fonds.

DB:L1OA Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= €2.06 * 7.1%
€0.15
Book Value of Equity per Share Median Book Value from the past 5 years. €2.06
Discount Rate (Cost of Equity) See below 4.6%
Perpetual Growth Rate 10-Year DE Government Bond Rate -0.4%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for DB:L1OA
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year DE Govt Bond Rate -0.4%
Equity Risk Premium S&P Global 5.4%
Capital Markets Unlevered Beta Simply Wall St/ S&P Global 0.75
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.747 (1 + (1- 30%) (22.53%))
0.909
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.91
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= -0.39% + (0.909 * 5.44%)
4.56%

Discounted Cash Flow Calculation for DB:L1OA using Excess Returns Model Model

The calculations below outline how an intrinsic value for Lloyd Fonds is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

DB:L1OA Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (7.1% – 4.56%) * €2.06)
€0.05
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €0.05 / (4.56% - -0.39%)
€1.06
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €2.06 + €1.06
€3.13
DB:L1OA Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in DB:L1OA represents 1.01334x of XTRA:L1OA
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
1.01334x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (EUR) x Listing Adjustment Factor
= € 3.13 x 1.01334
€3.17
Value per share (EUR) From above. €3.17
Current discount Discount to share price of €3.04
= -1 x (€3.04 - €3.17) / €3.17
4%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Lloyd Fonds is available for.
Intrinsic value
4%
Share price is €3.04 vs Future cash flow value of €3.17
Current Discount Checks
For Lloyd Fonds to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Lloyd Fonds's share price is below the future cash flow value, but not at a moderate discount (< 20%).
  • Lloyd Fonds's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Lloyd Fonds's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Lloyd Fonds's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
DB:L1OA PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in EUR €0.02
XTRA:L1OA Share Price ** XTRA (2020-04-02) in EUR €3
Germany Capital Markets Industry PE Ratio Median Figure of 17 Publicly-Listed Capital Markets Companies 22.18x
Germany Market PE Ratio Median Figure of 401 Publicly-Listed Companies 16.15x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Lloyd Fonds.

DB:L1OA PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= XTRA:L1OA Share Price ÷ EPS (both in EUR)

= 3 ÷ 0.02

181.02x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Lloyd Fonds is overvalued based on earnings compared to the DE Capital Markets industry average.
  • Lloyd Fonds is overvalued based on earnings compared to the Germany market.
Price based on expected Growth
Does Lloyd Fonds's expected growth come at a high price?
Raw Data
DB:L1OA PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 181.02x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts
53.2%per year
Germany Capital Markets Industry PEG Ratio Median Figure of 7 Publicly-Listed Capital Markets Companies 1.55x
Germany Market PEG Ratio Median Figure of 256 Publicly-Listed Companies 1.17x

*Line of best fit is calculated by linear regression .

DB:L1OA PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 181.02x ÷ 53.2%

3.4x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Lloyd Fonds is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Lloyd Fonds's assets?
Raw Data
DB:L1OA PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in EUR €2.22
XTRA:L1OA Share Price * XTRA (2020-04-02) in EUR €3
Germany Capital Markets Industry PB Ratio Median Figure of 32 Publicly-Listed Capital Markets Companies 1.55x
Germany Market PB Ratio Median Figure of 572 Publicly-Listed Companies 1.44x
DB:L1OA PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= XTRA:L1OA Share Price ÷ Book Value per Share (both in EUR)

= 3 ÷ 2.22

1.35x

* Primary Listing of Lloyd Fonds.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Lloyd Fonds is good value based on assets compared to the DE Capital Markets industry average.
X
Value checks
We assess Lloyd Fonds's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Capital Markets industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Capital Markets industry average (and greater than 0)? (1 check)
  5. Lloyd Fonds has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Lloyd Fonds expected to perform in the next 1 to 3 years based on estimates from 3 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
53.2%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Lloyd Fonds expected to grow at an attractive rate?
  • Lloyd Fonds's earnings growth is expected to exceed the low risk savings rate of -0.4%.
Growth vs Market Checks
  • Lloyd Fonds's earnings growth is expected to exceed the Germany market average.
  • Lloyd Fonds's revenue growth is expected to exceed the Germany market average.
Annual Growth Rates Comparison
Raw Data
DB:L1OA Future Growth Rates Data Sources
Data Point Source Value (per year)
DB:L1OA Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts 53.2%
DB:L1OA Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 3 Analysts 31.3%
Germany Capital Markets Industry Earnings Growth Rate Market Cap Weighted Average 40%
Germany Capital Markets Industry Revenue Growth Rate Market Cap Weighted Average 0.9%
Germany Market Earnings Growth Rate Market Cap Weighted Average 14.3%
Germany Market Revenue Growth Rate Market Cap Weighted Average 4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
DB:L1OA Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
DB:L1OA Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2024-12-31 69 14 11 3
2023-12-31 59 12 7 3
2022-12-31 48 9 4 3
2021-12-31 36 8 4 3
2020-12-31 27 0 -2 3
2020-04-02
2019-12-31 9 0 0 3
DB:L1OA Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2019-06-30 9 -2 0
2019-03-31 8 -2 -1
2018-12-31 8 -1 -2
2018-09-30 7 1 -1
2018-06-30 7 3 0
2018-03-31 7 2 0
2017-12-31 7 1 1
2017-09-30 8 2 2
2017-06-30 8 3 2
2017-03-31 9 3 3
2016-12-31 9 2 3
2016-09-30 10 2 3

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Lloyd Fonds's earnings are expected to grow significantly at over 20% yearly.
  • Lloyd Fonds's revenue is expected to grow significantly at over 20% yearly.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
DB:L1OA Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below

All data from Lloyd Fonds Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:L1OA Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2024-12-31 0.86 0.86 0.86 1.00
2023-12-31 0.51 0.51 0.51 1.00
2022-12-31 0.28 0.28 0.28 1.00
2021-12-31 0.27 0.46 0.07 2.00
2020-12-31 -0.15 0.03 -0.32 2.00
2020-04-02
2019-12-31 0.02 0.02 0.02 1.00
DB:L1OA Past Financials Data
Date (Data in EUR Millions) EPS *
2019-06-30 0.02
2019-03-31 -0.07
2018-12-31 -0.16
2018-09-30 -0.11
2018-06-30 -0.05
2018-03-31 0.05
2017-12-31 0.15
2017-09-30 0.20
2017-06-30 0.26
2017-03-31 0.30
2016-12-31 0.35
2016-09-30 0.32

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Lloyd Fonds is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Lloyd Fonds's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Germany market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Germany market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Lloyd Fonds has a total score of 5/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Lloyd Fonds performed over the past 5 years?

  • Lloyd Fonds's last earnings update was 189 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Lloyd Fonds's growth in the last year to its industry (Capital Markets).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Lloyd Fonds's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.
  • Lloyd Fonds has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.
  • Lloyd Fonds has become profitable in the last year making it difficult to compare the DE Capital Markets industry average.
Earnings and Revenue History
Lloyd Fonds's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Lloyd Fonds Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:L1OA Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 8.60 0.17 6.91
2019-03-31 8.26 -0.68 6.16
2018-12-31 7.92 -1.53 5.42
2018-09-30 7.25 -1.00 5.68
2018-06-30 6.59 -0.46 5.94
2018-03-31 7.02 0.45 5.99
2017-12-31 7.46 1.36 6.04
2017-09-30 7.51 1.87 5.55
2017-06-30 7.55 2.38 5.06
2017-03-31 8.51 2.78 5.20
2016-12-31 9.46 3.18 5.34
2016-09-30 10.48 2.92 5.04
2016-06-30 11.49 2.67 4.73
2016-03-31 11.46 2.12 4.97
2015-12-31 11.42 1.57 5.21
2015-09-30 11.21 1.40 5.58
2015-06-30 10.99 1.24 5.94
2015-03-31 10.52 1.00 6.00
2014-12-31 10.04 0.75 6.07
2014-09-30 10.41 0.46 5.71
2014-06-30 10.78 0.17 5.36
2014-03-31 12.04 0.65 5.17
2013-12-31 13.29 1.14 4.99
2013-09-30 13.94 0.30 5.28
2013-06-30 13.87 -1.81 5.33

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Lloyd Fonds has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Lloyd Fonds used its assets less efficiently than the DE Capital Markets industry average last year based on Return on Assets.
  • It is difficult to establish if Lloyd Fonds improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Lloyd Fonds's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Capital Markets industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Lloyd Fonds has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Lloyd Fonds's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Lloyd Fonds's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Lloyd Fonds is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Lloyd Fonds's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Lloyd Fonds's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 3.9x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Lloyd Fonds Company Filings, last reported 9 months ago.

DB:L1OA Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 22.31 7.09 20.22
2019-03-31 22.31 7.09 20.22
2018-12-31 20.79 1.62 13.91
2018-09-30 20.79 1.62 13.91
2018-06-30 21.55 1.60 17.62
2018-03-31 21.55 1.60 17.62
2017-12-31 18.55 3.16 10.08
2017-09-30 18.55 3.16 10.08
2017-06-30 18.51 1.57 9.58
2017-03-31 18.51 1.57 9.58
2016-12-31 19.15 1.55 11.66
2016-09-30 19.15 1.55 11.66
2016-06-30 18.52 1.55 10.48
2016-03-31 18.52 1.55 10.48
2015-12-31 18.39 2.75 10.17
2015-09-30 18.39 2.75 10.17
2015-06-30 17.91 2.80 8.33
2015-03-31 17.91 2.80 8.33
2014-12-31 16.83 2.84 7.59
2014-09-30 16.83 2.84 7.59
2014-06-30 16.19 2.90 5.88
2014-03-31 16.19 2.90 5.88
2013-12-31 15.98 3.00 5.71
2013-09-30 15.98 3.00 5.71
2013-06-30 16.78 3.00 3.82
  • Lloyd Fonds's level of debt (31.8%) compared to net worth is satisfactory (less than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (15.4% vs 31.8% today).
  • Operating cash flow is negative therefore debt is not well covered.
  • Unable to confirm if the interest payments on Lloyd Fonds's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess Lloyd Fonds's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Lloyd Fonds has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Lloyd Fonds's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Lloyd Fonds dividends. Estimated to be 0% next year.
If you bought €2,000 of Lloyd Fonds shares you are expected to receive €0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Lloyd Fonds's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Lloyd Fonds's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
DB:L1OA Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
Germany Capital Markets Industry Average Dividend Yield Market Cap Weighted Average of 15 Stocks 3.3%
Germany Market Average Dividend Yield Market Cap Weighted Average of 320 Stocks 3.9%
Germany Minimum Threshold Dividend Yield 10th Percentile 0.9%
Germany Bottom 25% Dividend Yield 25th Percentile 1.7%
Germany Top 25% Dividend Yield 75th Percentile 4.9%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

DB:L1OA Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts
2024-12-31
2023-12-31
2022-12-31
2021-12-31 0.00 2.00
2020-12-31 0.00 2.00
2020-04-02
2019-12-31 0.00 2.00
DB:L1OA Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2018-09-27 0.000 0.000
2018-06-29 0.000 0.000
2017-04-12 0.160 5.177
2016-06-07 0.070 2.300
2009-10-30 0.000 0.000
2009-07-30 0.000 0.000
2009-04-30 0.000 0.000
2009-04-21 0.000 0.000

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Lloyd Fonds has not reported any payouts.
  • Unable to verify if Lloyd Fonds's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Lloyd Fonds's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Lloyd Fonds has not reported any payouts.
Future Payout to shareholders
  • No need to calculate the sustainability of Lloyd Fonds's dividends in 3 years as they are not expected to pay a notable one for Germany.
X
Income/ dividend checks
We assess Lloyd Fonds's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.9%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Lloyd Fonds afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Lloyd Fonds has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Lloyd Fonds's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Achim Plate
COMPENSATION €28,000
AGE 60
CEO Bio

Mr. Achim Plate, Dipl.-Ing., served as the Chairman of the Supervisory Board at Lloyd Fonds AG since August 2018 until June 12, 2019. Mr. Plate serves as Chairperson of the Management Board at Lloyd Fonds AG since June 12, 2019. He served as Chairman of the Supervisory Board at Deutsche Effecten- und Wechsel-Beteiligungsgesellschaft AG until December 2019 and had been its Member of Supervisory Board since July 23, 2017 until December 2019. He is the Managing Director of mobileview GmbH. He is Managing Director at ConTakt Marketing im Dialog GmbH & Co. Mr. Plate co-founded SPSW Capital GmbHKG, of which he has been managing partner ever since. He serves as Managing Partner at a financial services institute in Hamburg licensed by Bafin. He served as the Chairman of Management Board, Chief Executive Officer and Member of the Management Board of D+S Europe AG from January 1, 2003 to October 5, 2009. Mr. Plate assumed the position of CEO of this company in 2003. He was responsible for Operations, Administration, Finance, Controlling, Business Development, IR, Marketing and Communication of d+s online AG. He served as a Consultant of D&S Europe AG. In the years that followed, he continued to develop the company into a service group. Mr. Plate started his business career in the real estate sector. He established his own mid-size group of companies, transferring the largest single entity to D+S Europe AG (Hamburg) in 2002. After leaving the management board of D+S Europe in autumn 2009, he became managing shareholder of SPSW Capital GmbH. He has been Chairman of the Supervisory Board at conVISUAL AG (Now mVISE AG) since September 13, 2014. He serves as Deputy Chairman of the Supervisory Board of B RENMACHER AG. Mr. Plate served as Deputy Chairman of Supervisory Board of SHS VIVEON AG since June 7, 2013. He served as a Member of Supervisory Board of SHS VIVEON AG since 2012. For several years, he has been involved as Director or Board Member with service providers engaged in customer value management, risk management and customer service in the DACH region. Mr. Plate holds a degree in mechanical engineering.

CEO Compensation
  • Insufficient data for Achim to compare compensation growth.
  • Achim's remuneration is lower than average for companies of similar size in Germany.
Management Team Tenure

Average tenure and age of the Lloyd Fonds management team in years:

1.8
Average Tenure
46
Average Age
  • The average tenure for the Lloyd Fonds management team is less than 2 years, this suggests a new team.
Management Team

Achim Plate

TITLE
Chairperson of the Management Board
COMPENSATION
€28K
AGE
60

Klaus Pinter

TITLE
CFO & Member of Management Board
COMPENSATION
€519K
AGE
44

Jochen Sturtzkopf

TITLE
Chief Sales Officer & Member of Management Board
COMPENSATION
€327K
TENURE
1.8 yrs

Michael Schmidt

TITLE
Chief Investment Officer & Member of Management Board
AGE
45
TENURE
1 yrs

Aysegul Erdogan

TITLE
Account Team Head

Hans-Bernd Vor Dem Esche

TITLE
Managing Director

Albert Lundt

TITLE
Managing Director

Jurgen Hutt

TITLE
Head of Ship Fund Management

Timo Wolf

TITLE
Head of Real Estate Department
AGE
47
TENURE
7.1 yrs
Board of Directors

Stefan Rindfleisch

TITLE
Deputy Chairman of the Supervisory Board
COMPENSATION
€31K

Wolfgang Henseler

TITLE
Member of the Supervisory Board
COMPENSATION
€12K
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Lloyd Fonds's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Lloyd Fonds has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Lloyd Fonds AG, together with its subsidiaries, develops, arranges, initiates, and markets investment products for private and institutional investors in Germany and Singapore. The company operates through Real Estate, Shipping, and Other Assets segments. It is also involved in the management of real estate funds; arrangement of contracts for land and land-like rights, commercial, or residential premises; project development, and operation and brokerage of ships; development, structuring, and management of investment entities; and valuation, acquisition, holding, management, structuring, and sale of shares in closed-end funds organized as limited partnership entities. In addition, the company engages in the investment trust management and external asset management businesses; acquisition, holding, management, and sale of shares in limited partnership entities; identification, analysis, and arrangement of investments in assets and rights primarily equity interests; and provision of financial and management services, as well as business consulting services for companies and company founders. Further, it invests in residential real estate assets primarily housing construction; develops and initiates investment funds and products; provides consulting services for investments; coordinates sales institutions and activities; and sells investment products, as well as acts as a general partner. Additionally, the company engages in the rental and leasing owned real estate and related transactions; development, management, and coordination of real estate projects; and purchase and sale of various assets, including aircraft, private equity, and traded U.K. endowment policies. Lloyd Fonds AG was founded in 1995 and is headquartered in Hamburg, Germany.

Details
Name: Lloyd Fonds AG
L1OA
Exchange: DB
Founded: 1995
€41,655,240
13,266,000
Website: http://www.lloydfonds.de
Address: Lloyd Fonds AG
An der Alster 42,
Hamburg,
20099,
Germany
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
XTRA L1OA Ordinary Bearer Shares XETRA Trading Platform DE EUR 28. Oct 2005
DB L1OA Ordinary Bearer Shares Deutsche Boerse AG DE EUR 28. Oct 2005
BATS-CHIXE L1OAD Ordinary Bearer Shares BATS 'Chi-X Europe' GB EUR 28. Oct 2005
Number of employees
Current staff
Staff numbers
53
Lloyd Fonds employees.
Industry
Asset Management and Custody Banks
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/02 21:54
End of day share price update: 2020/04/02 00:00
Last estimates confirmation: 2020/03/26
Last earnings filing: 2019/09/26
Last earnings reported: 2019/06/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.