Morningstar

Judo Capital Holdings Ltd JDO

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Stock XASX Rating as of
A$1.64 −0.04 (2.38%)
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As of Delayed Price Closed

Company Report

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Judo Capital's Net Interest Margin Improvement Is on the Horizon

Nathan Zaia

Judo Capital began as a nonbank lender in 2016, using seed capital and debt facilities to establish itself as a lender to Australian small and midsize businesses. Judo received a banking deposit license in 2019. Among its competitors are the big four Australian banks, which collectively have around 70% share of total business loans. Judo has less than 1% share of the total Australian business loan market, but we estimate roughly 2% of the SMB market.

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Price vs Fair Value

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JDO is trading at a 449% premium.
Price
A$1.64
Fair Value
A$2.60
Uncertainty
High
1-Star Price
A$6.76
5-Star Price
A$2.16
Economic Moat
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Capital Allocation
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Bulls Say, Bears Say

Bulls

Judo’s strong customer focus attracts small and midsize business customers, enabling the bank to grow its loan book quickly and realize operating leverage benefits.

Bears

Judo’s point of differentiation is eroded by major banks adding more bankers to complement investments in digital offerings and use of data from payments and transaction accounts to make approval decisions.

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Trading Information

Previous Close Price
A$1.68
Day Range
A$1.64–1.68
52-Week Range
A$0.79–1.79
Bid/Ask
A$1.64 / A$1.66
Market Cap
A$1.82 Bil
Volume/Avg
2.5 Mil / 3.4 Mil

Key Statistics

Price/Earnings (Normalized)
18.78
Price/Sales
4.83
Dividend Yield (Trailing)
0.00%
Dividend Yield (Forward)
0.00%
Total Yield
—

Company Profile

Judo Capital is an Australian bank primarily focused on lending to Australian small and midsize businesses. Judo’s main lending products are business loans, equipment finance, lines of credit, and home loans. Personal, business, and self-managed superannuation fund term deposits are a key source of funding.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Growth
Total Number of Employees
580
Website
https://www.judo.bank

Competitors

Valuation

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Metric
JDO
WBC
NAB
Price/Earnings (Normalized)
 18.7815.8615.85
Price/Book Value
 1.161.441.84
Price/Sales
 4.835.546.10
Price/Cash Flow
 2.9315.13—
Price/Earnings
JDO
WBC
NAB

Financial Strength

Metric
JDO
WBC
NAB
Quick Ratio
 ———
Current Ratio
 ———
Interest Coverage
 ———
Quick Ratio
No chart available

Profitability

Metric
JDO
WBC
NAB
Return on Assets (Normalized)
 0.54%0.68%0.66%
Return on Equity (Normalized)
 4.60%9.72%11.36%
Return on Invested Capital (Normalized)
 ———
Return on Assets
JDO
WBC
NAB

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