Intrinsiqq
Netfonds AG logo

Netfonds AG Quality Score

NF4.XETR

⊜ Compare
Quality52

Valuation is the primary weakness (avg 40/100). No single area scores well.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
40/100
219.8x

Above 30x, priced for sustained outperformance

Price / Book
40/100
11.72x

11.7x book, stretched premium

Revenue Growth
100/100
16.1%

Above 10% CAGR, strong compounder

Book Value Growth
0/100
-10.8%

Below 2%, book value not compounding

Business Quality & Capital Allocation

Share Dilution
0/100
63.8%

Heavy dilution above 5%

Return on Equity
60/100
5.3%

5–10%, adequate but not exceptional

Capital Adequacy
100/100
21.3%

21.3% equity/assets, well-capitalized

Margin Trend
70/100
+0.0pp

Slight expansion, directionally positive

Netfonds (NF4.XETR) quality: score, margins and returns

Netfonds (NF4.XETR) scores 52/100 on Intrinsiqq's quality score (a mixed business), a weighted blend of 8 metrics each scored 0 to 100, on 2.1% operating margins and 5.2% ROIC. Every metric is computed from company filings; this is analysis, not investment advice.

Frequently asked

Is Netfonds (NF4.XETR) a high-quality business?+

Netfonds scores 52 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a mixed business on these measures. Recent figures include a 2.1% operating margin and a 5.2% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Netfonds's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from NF4.XETR's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Netfonds scores well and where it falls behind.

What is Netfonds's return on invested capital (ROIC)?+

Netfonds earns about 5.2% on its invested capital, which is modest. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to NF4.XETR's margins and growth on this scorecard to judge durability.

How profitable is Netfonds?+

Netfonds runs an operating margin of about 2.1% and a net margin of about 0.5%. Revenue has grown at roughly 9.3% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.

How the market compares: US profitability statistics

Peers

Financial Conglomerates · Pick stocks to compare with NF4.XETR

CompareIntrinsic value
JDC.XETRJDC Group AG
€16.90+4.64%79
BWB.XETRBaader Bank AG
€6.86+3.94%33
PBB.XETRDeutsche Pfandbriefbank AG
€2.99+6.78%42
B7E.XETRBlue Cap AG
€14.90+0.00%38
O4B.XETROVB Holding AG
€19.00+0.00%65
PCZ.XETRProCredit Holding AG
€8.73+3.19%83
QB7.XETRQuirin Privatbank AG
€2.86-3.38%73
M3B0.XETRPyramid AG
€1.35+0.00%29

Spot a number that looks wrong?

Download this analysis as a PDF (Pro)

Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

2 of 2 free stocks used today

Keep analysing NF4.XETR

Create a free account and get 14 days of Premium: every stock and every tool.

  • Unlimited stocks
  • Stock screener
  • Portfolio tracker
  • Editable DCF
  • Compare side by side
  • Unlimited alerts

No card. Moves to Free after, unless you upgrade.

Already have an account?

Or come back tomorrow. Stocks on your watchlist are always free to view.

SectorsPrivacyTerms© 2026 Intrinsiqq

Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.