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Judo Capital Holdings Limited, through its subsidiaries, engages in the provision of various banking products and services for small and medium businesses in Australia. It accepts term deposits; and provides business and agribusiness loans, lines of credit, home loans, residential mortgages, asset financing, equipment loan, and bank guarantees. The company was incorporated in 2016 and is based in Melbourne, Australia.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Judo Capital Holdings Ltd is the ASX-listed holding company for Judo Bank, a specialist Australian lender focused on small and medium-sized enterprises (SMEs) providing business loans and deposit products. Long-term growth drivers include expanding SME lending market share, deposit and product diversification, and scale benefits from branch and broker distribution, which may benefit net interest margins and revenue resilience.
The company faces material risks from SME credit cyclicality and concentration, intense competition from major banks and fintechs, and funding and regulatory capital pressures that investors should monitor.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Income before tax | 125.60M | 104.30M | 107.50M | -7.20M |
| Net income | 86.40M | 69.90M | 73.40M | -7.70M |
| Selling general administrative | 139.90M | 143.30M | 127.40M | 97.00M |
| Reconciled depreciation | 15.50M | 16.40M | 8.60M | 5.40M |
| Interest expense | 652.60M | 524.30M | 226.60M | 52.10M |
| Tax provision | 39.20M | 34.40M | 34.10M | 0.50M |
| Interest income | 1059.90M | 910.30M | 574.20M | 221.90M |
| Net interest income | 407.30M | 386.00M | 347.60M | 169.80M |
| Total revenue | 410.20M | 384.80M | 344.60M | 156.50M |
| Net income from continuing ops | 86.40M | 69.90M | 73.40M | -7.70M |
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
| Total assets | 14978.20M | 13196.60M | 12151.70M | 9414.60M | 7462.92M |
| Intangible assets | 47.70M | 48.30M | 38.30M | 23.80M | 16.02M |
| Total liab | 13291.60M | 11631.30M | 10674.60M | 8010.00M | 6100.31M |
| Total stockholder equity | 1686.60M | 1565.30M | 1477.10M | 1404.60M | 1362.62M |
| Capital stock | 1536.30M | 1522.10M | 1518.30M | 1518.20M | 1514.84M |
| Retained earnings | 148.40M | 62.00M | -7.90M | -81.30M | -90.66M |
| Cash | 862.10M | 777.40M | 714.70M | 407.10M | 619.10M |
| Net debt | 2257.20M | 2369.90M | 3802.90M | 3427.80M | 2912.41M |
| Short long term debt | 3119.30M | 3147.30M | 4517.60M | 3834.90M | 3531.51M |
| Long term investments | 1612.10M | 1607.30M | 2425.70M | 2794.00M | 3259.74M |
| Short term investments | 1612.10M | 1607.30M | 2425.70M | 2794.00M | 3259.74M |
| Accounts payable | 12.80M | 15.90M | 12.40M | 11.50M | 17.39M |
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
| Investments | -10.10M | 795.50M | 338.90M | 455.10M | - |
| Net borrowings | -29.00M | - | - | - | - |
| Total cash from financing activities | -30.70M | -1374.70M | 672.70M | 599.80M | - |
| Net income | 86.40M | 69.90M | 73.40M | -7.70M | 28.81M |
| Change in cash | 84.70M | 62.70M | 307.60M | 63.10M | - |
| Begin period cash flow | 777.40M | 714.70M | 407.10M | 344.00M | - |
| End period cash flow | 862.10M | 777.40M | 714.70M | 407.10M | 344.00M |
| Issuance of capital stock | - | - | - | 373.60M | - |
| Sale purchase of stock | - | - | - | -13.40M | - |
| Capital expenditures | 11.10M | 25.40M | 27.40M | 13.10M | 0.00M |
| Free cash flow | 125.50M | 616.50M | -731.40M | -1004.90M | - |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(AUD) |
Price
(AUD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
|---|---|---|---|---|---|---|
| JDOPA Judo Capital Holdings Ltd |
-0.79 0.72% |
109.20 | - | - | - | - |
| BEN Bendigo and Adelaide Bank Ltd |
0.15 1.39% |
10.95 | 16.94 | 12.17 | 3.16 | 0.91 |
| BENPH Bendigo and Adelaide Bank Ltd |
0.27 0.27% |
102.47 | 107.08 | - | - | - |
| BOQ Bank of Queensland Ltd |
0.10 1.42% |
7.12 | 18.86 | 12.09 | 2.92 | 0.80 |
| BOQPF Bank of Queensland Ltd |
- -% |
101.00 | 166.53 | - | - | - |
Judo Capital Holdings Limited, through its subsidiaries, engages in the provision of various banking products and services for small and medium businesses in Australia. It accepts term deposits; and provides business and agribusiness loans, lines of credit, home loans, residential mortgages, asset financing, equipment loan, and bank guarantees. The company was incorporated in 2016 and is based in Melbourne, Australia.
| Name | Title | Year Born |
|---|---|---|
| Mr. Christopher James Bayliss | Co-Founder, CEO, MD & Director | NA |
| Mr. Andrew Leslie | GM of Finance & Corporate Development and CFO | NA |
| Mr. Frank Versace | Chief Strategy & Growth Officer | NA |
| Ms. Yien Hong B.A., B.Com., L.L.B. | Chief Legal & Commercial Officer | NA |
| Jess Lantieri | Chief People & Culture Officer | NA |
| Mr. David McNabb | Head of Risk Operations & Governance | NA |
| Mr. Joseph Erian | Head of Enterprise Risk | NA |
| Ms. Emy Alegre | Head of Design | NA |
| Mr. Jason Marr | Head of Regional & Agribusiness | NA |
| Ms. Anne-Marie Cox | Head of Credit Assurance & Impaired Assets | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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