JANOVER INC(NASDAQ:JNVR) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to JNVR. JNVR was compared to 53 industry peers in the Consumer Finance industry. No worries on liquidiy or solvency for JNVR as it has an excellent financial health rating, but there are worries on the profitability. JNVR is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year JNVR has reported negative net income.

In the past year JNVR has reported a negative cash flow from operations.

1.2 Ratios

JNVR has a worse Return On Assets (-76.21%) than 98.08% of its industry peers.

Looking at the Return On Equity, with a value of -86.40%, JNVR is doing worse than 94.23% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	-76.21%
ROE	-86.4%
ROIC	N/A

ROA(3y)-77.2%

ROA(5y)N/A

ROE(3y)-227.15%

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

JNVR does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

JNVR does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for JNVR has been reduced compared to 1 year ago.

JNVR has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

JNVR has an Altman-Z score of 66.30. This indicates that JNVR is financially healthy and has little risk of bankruptcy at the moment.

With an excellent Altman-Z score value of 66.30, JNVR belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.

There is no outstanding debt for JNVR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	66.3

ROIC/WACCN/A

WACC9.25%

2.3 Liquidity

A Current Ratio of 8.89 indicates that JNVR has no problem at all paying its short term obligations.

JNVR has a Current ratio of 8.89. This is amongst the best in the industry. JNVR outperforms 92.31% of its industry peers.

A Quick Ratio of 8.89 indicates that JNVR has no problem at all paying its short term obligations.

Looking at the Quick ratio, with a value of 8.89, JNVR belongs to the top of the industry, outperforming 92.31% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	8.89
Quick Ratio	8.89

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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

The earnings per share for JNVR have decreased strongly by -685.52% in the last year.

The Revenue for JNVR has decreased by -13.70% in the past year. This is quite bad

The Revenue has been growing by 8.69% on average over the past years. This is quite good.

EPS 1Y (TTM)-685.52%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-97.92%

Revenue 1Y (TTM)-13.7%

Revenue growth 3Y8.69%

Revenue growth 5YN/A

Sales Q2Q%6.67%

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.

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4. Valuation

4.1 Price/Earnings Ratio

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

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

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

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

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5. Dividend

5.1 Amount

JNVR does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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JANOVER INC

NASDAQ:JNVR (1/17/2025, 8:10:26 PM)

5.5

+0.29 (+5.57%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)N/A N/A

Earnings (Next)N/A N/A

Inst Owners1.14%

Inst Owner Change0%

Ins Owners53.34%

Ins Owner Change1.15%

Market Cap62.20M

AnalystsN/A

Price TargetN/A

Short Float %N/A

Short Ratio0.06

Dividend

		Industry Rank	Sector 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 Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	34.16
P/FCF	N/A
P/OCF	N/A
P/B	15.72
P/tB	21.91
EV/EBITDA	N/A

EPS(TTM)-1.73

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-0.26

FCFYN/A

OCF(TTM)-0.26

OCFYN/A

SpS0.16

BVpS0.35

TBVpS0.25

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-76.21%
ROE	-86.4%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	N/A

ROA(3y)-77.2%

ROA(5y)N/A

ROE(3y)-227.15%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score4

Asset Turnover0.41

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	19.94%
Cap/Sales	1.91%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	8.89
Quick Ratio	8.89
Altman-Z	66.3

F-Score4

WACC9.25%

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)-685.52%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-97.92%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-13.7%

Revenue growth 3Y8.69%

Revenue growth 5YN/A

Sales Q2Q%6.67%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-52.56%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-463.71%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-457.03%

OCF growth 3YN/A

OCF growth 5YN/A

JANOVER INC (JNVR) 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

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