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creditshelf Aktiengesellschaft










Financial Health of creditshelf Aktiengesellschaft




Comparing to competitors in the industry




  Industry Rankings  


creditshelf Aktiengesellschaft
Buy, Hold or Sell?

Should you buy, hold or sell creditshelf Aktiengesellschaft?

I guess you are interested in creditshelf Aktiengesellschaft. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

Let's analyse creditshelf Aktiengesellschaft

Let's start. I'm going to help you getting a better view of creditshelf Aktiengesellschaft. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

  1. Company's Financial Health
    A deep dive into the books. How are the numbers doing? Is creditshelf Aktiengesellschaft even making a profit? Is the company skyrocketing? Or is it sinking like the Titanic. The trend is your friend.
  2. Market Valuation
    Finally, you now have an insight of how creditshelf Aktiengesellschaft is doing in the market. If the company is worth buying. The latest step is to find out how other investors value creditshelf Aktiengesellschaft. The closing price on 2022-12-07 was €26.80 per share. Is the company over- or underpriced?
  3. Key Performance Indicators
    A total overlook on how the company is doing. Based on the (trends in) the key performance indicators.
creditshelf Aktiengesellschaft Daily Candlestick Chart

Summary

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is inefficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is able to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is able to pay all its debts by selling its assets.
The company is just not able to pay all its debts with equity.

1.1. Profitability of creditshelf Aktiengesellschaft.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit creditshelf Aktiengesellschaft earns for each €1 of revenue.

  • Above 10% is considered healthy but always compare creditshelf Aktiengesellschaft to the  industry mean.
  • A Net Profit Margin of 55.1% means that €0.55 for each €1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of creditshelf Aktiengesellschaft:

  • The MRQ is 55.1%. The company is making a huge profit. +2
  • The TTM is 8.3%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ55.1%TTM8.3%+46.8%
TTM8.3%5Y8.3%0.0%
5Y8.3%10Y8.3%0.0%
1.1.2. Return on Assets

Shows how efficient creditshelf Aktiengesellschaft is using its assets to generate profit.

  • Above 5% is considered healthy but always compare creditshelf Aktiengesellschaft to the  industry mean.
  • 11.5% Return on Assets means that creditshelf Aktiengesellschaft generated €0.11 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of creditshelf Aktiengesellschaft:

  • The MRQ is 11.5%. Using its assets, the company is efficient in making profit. +1
  • The TTM is 1.9%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ11.5%TTM1.9%+9.6%
TTM1.9%5Y1.9%0.0%
5Y1.9%10Y1.9%0.0%
1.1.3. Return on Equity

Shows how efficient creditshelf Aktiengesellschaft is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare creditshelf Aktiengesellschaft to the  industry mean.
  • 23.2% Return on Equity means creditshelf Aktiengesellschaft generated €0.23 for each €1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of creditshelf Aktiengesellschaft:

  • The MRQ is 23.2%. Using its investors money, the company is efficient in making profit. +1
  • The TTM is 2.1%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ23.2%TTM2.1%+21.1%
TTM2.1%5Y2.1%0.0%
5Y2.1%10Y2.1%0.0%

1.2. Operating Efficiency of creditshelf Aktiengesellschaft.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient creditshelf Aktiengesellschaft is operating .

  • Measures how much profit creditshelf Aktiengesellschaft makes for each €1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare creditshelf Aktiengesellschaft to the  industry mean.
  • An Operating Margin of 0.0% means the company generated €0.00  for each €1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of creditshelf Aktiengesellschaft:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
1.2.2. Operating Ratio

Measures how efficient creditshelf Aktiengesellschaft is keeping operating costs low.

  • Below 1 is considered healthy (always compare to  industry mean).
  • An Operation Ratio of 1.01 means that the operating costs are €1.01 for each €1 in net sales.

Let's take a look of the Operating Ratio trends of creditshelf Aktiengesellschaft:

  • The MRQ is 1.007. The company is inefficient in keeping operating costs low. -1
  • The TTM is 1.504. The company is inefficient in keeping operating costs low. -1
Trends
Current periodCompared to+/- 
MRQ1.007TTM1.504-0.497
TTM1.5045Y1.5040.000
5Y1.50410Y1.5040.000

1.3. Liquidity of creditshelf Aktiengesellschaft.

1.3. Liquidity
1.3.1. Current Ratio

Measures if creditshelf Aktiengesellschaft is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to  industry mean).
  • A Current Ratio of 3.04 means the company has €3.04 in assets for each €1 in short-term debts.

Let's take a look of the Current Ratio trends of creditshelf Aktiengesellschaft:

  • The MRQ is 3.038. The company is very able to pay all its short-term debts. +2
  • The TTM is 1.875. The company is able to pay all its short-term debts. +1
Trends
Current periodCompared to+/- 
MRQ3.038TTM1.875+1.163
TTM1.8755Y1.8750.000
5Y1.87510Y1.8750.000
1.3.2. Quick Ratio

Measures if creditshelf Aktiengesellschaft is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare creditshelf Aktiengesellschaft to the  industry mean.
  • A Quick Ratio of 1.58 means the company can pay off €1.58 for each €1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of creditshelf Aktiengesellschaft:

  • The MRQ is 1.579. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 0.860. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ1.579TTM0.860+0.720
TTM0.8605Y0.8600.000
5Y0.86010Y0.8600.000

1.4. Solvency of creditshelf Aktiengesellschaft.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of creditshelf Aktiengesellschaft assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare creditshelf Aktiengesellschaft to industry mean.
  • A Debt to Asset Ratio of 0.51 means that creditshelf Aktiengesellschaft assets are financed with 50.6% credit (debt) and the remaining percentage (100% - 50.6%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of creditshelf Aktiengesellschaft:

  • The MRQ is 0.506. The company is able to pay all its debts by selling its assets. +1
  • The TTM is 0.669. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.506TTM0.669-0.163
TTM0.6695Y0.6690.000
5Y0.66910Y0.6690.000
1.4.2. Debt to Equity Ratio

Measures if creditshelf Aktiengesellschaft is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare creditshelf Aktiengesellschaft to the  industry mean.
  • A Debt to Equity ratio of 102.6% means that company has €1.03 debt for each €1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of creditshelf Aktiengesellschaft:

  • The MRQ is 1.026. The company is able to pay all its debts with equity. +1
  • The TTM is 2.387. The company is just not able to pay all its debts with equity.
Trends
Current periodCompared to+/- 
MRQ1.026TTM2.387-1.361
TTM2.3875Y2.3870.000
5Y2.38710Y2.3870.000

2. Market Valuation of creditshelf Aktiengesellschaft

2. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every €1 in earnings creditshelf Aktiengesellschaft generates.

  • Above 15 is considered overpriced but always compare creditshelf Aktiengesellschaft to the  industry mean.
  • A PE ratio of 46.11 means the investor is paying €46.11 for every €1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of creditshelf Aktiengesellschaft:

  • The EOD is 44.449. Good. +1
  • The MRQ is 46.108. Good. +1
  • The TTM is -76.472. Company is losing money. -2
Trends
Current periodCompared to+/- 
EOD44.449MRQ46.108-1.659
MRQ46.108TTM-76.472+122.579
TTM-76.4725Y-76.4720.000
5Y-76.47210Y-76.4720.000
2.2. Price Earnings to Growth Ratio

Measures the predicted future growth of creditshelf Aktiengesellschaft.

  • Lower is better.
  • A PEG ratio of 1 means the market price of the stock and the expected future earnings are on par.

Let's take a look of the Price Earnings to Growth Ratio trends of creditshelf Aktiengesellschaft:

  • The MRQ is 119.748. Seems overpriced? -1
  • The TTM is 19.968. Seems overpriced? -1
Trends
Current periodCompared to+/- 
MRQ119.748TTM19.968+99.780
TTM19.9685Y19.9680.000
5Y19.96810Y19.9680.000

2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of creditshelf Aktiengesellschaft is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to industry mean).
  • A PB ratio of 10.72 means the investor is paying €10.72 for each €1 in book value.

Let's take a look of the Price to Book Ratio trends of creditshelf Aktiengesellschaft:

  • The EOD is 10.333. Seems overpriced? -1
  • The MRQ is 10.718. Seems overpriced? -1
  • The TTM is 18.913. Seems overpriced? -1
Trends
Current periodCompared to+/- 
EOD10.333MRQ10.718-0.386
MRQ10.718TTM18.913-8.194
TTM18.9135Y18.9130.000
5Y18.91310Y18.9130.000
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of creditshelf Aktiengesellschaft compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.7460.648+15%--0.648+15%0.648+15%
Book Value Growth--0.2510.110+129%--0.110+129%0.110+129%
Book Value Per Share--2.5941.839+41%--1.839+41%1.839+41%
Book Value Per Share Growth--0.2880.151+90%--0.151+90%0.151+90%
Current Ratio--3.0381.875+62%--1.875+62%1.875+62%
Debt To Asset Ratio--0.5060.669-24%--0.669-24%0.669-24%
Debt To Equity Ratio--1.0262.387-57%--2.387-57%2.387-57%
Dividend Per Share----0%---0%-0%
Eps--0.6030.114+427%--0.114+427%0.114+427%
Eps Growth--0.3851.509-74%--1.509-74%1.509-74%
Gross Profit Margin--1.0001.0000%--1.0000%1.0000%
Net Profit Margin--0.5510.083+566%--0.083+566%0.083+566%
Operating Margin----0%---0%-0%
Operating Ratio--1.0071.504-33%--1.504-33%1.504-33%
Pb Ratio10.333-4%10.71818.913-43%--18.913-43%18.913-43%
Pe Ratio44.449-4%46.108-76.472+266%---76.472+266%-76.472+266%
Peg Ratio--119.74819.968+500%--19.968+500%19.968+500%
Price Per Share26.800-4%27.80032.050-13%--32.050-13%32.050-13%
Price To Total Gains Ratio35.906-4%37.246-55.767+250%---55.767+250%-55.767+250%
Profit Growth--35.331156.839-77%--156.839-77%156.839-77%
Quick Ratio--1.5790.860+84%--0.860+84%0.860+84%
Return On Assets--0.1150.019+512%--0.019+512%0.019+512%
Return On Equity--0.2320.021+983%--0.021+983%0.021+983%
Revenue Growth---0.638-0.119-81%---0.119-81%-0.119-81%
Total Gains Per Share--0.7460.648+15%--0.648+15%0.648+15%
Total Gains Per Share Growth--0.409-4.692+1247%---4.692+1247%-4.692+1247%
Usd Book Value--3785549.6802675217.820+42%--2675217.820+42%2675217.820+42%
Usd Book Value Change Per Share--0.7850.682+15%--0.682+15%0.682+15%
Usd Book Value Per Share--2.7281.934+41%--1.934+41%1.934+41%
Usd Dividend Per Share----0%---0%-0%
Usd Eps--0.6340.120+427%--0.120+427%0.120+427%
Usd Price Per Share28.183-4%29.23433.704-13%--33.704-13%33.704-13%
Usd Profit--879978.880168466.320+422%--168466.320+422%168466.320+422%
Usd Revenue--1597695.8802039341.590-22%--2039341.590-22%2039341.590-22%
Usd Total Gains Per Share--0.7850.682+15%--0.682+15%0.682+15%
 EOD+3 -2MRQTTM+24 -7YOY+0 -05Y+24 -710Y+24 -7

3.2. Fundamental Score

Let's check the fundamental score of creditshelf Aktiengesellschaft based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1544.449
Price to Book Ratio (EOD)Between0-110.333
Net Profit Margin (MRQ)Greater than00.551
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than11.579
Current Ratio (MRQ)Greater than13.038
Debt to Asset Ratio (MRQ)Less than10.506
Debt to Equity Ratio (MRQ)Less than11.026
Return on Equity (MRQ)Greater than0.150.232
Return on Assets (MRQ)Greater than0.050.115
Total6/10 (60.0%)

3.3. Technical Score

Let's check the technical score of creditshelf Aktiengesellschaft based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
OpenGreater thanClose26.800
Total0/1 (0.0%)



Latest Balance Sheet

Balance Sheet of 2022-06-30. Currency in EUR. All numbers in thousands.

Summary
Total Assets7,292
Total Liabilities3,692
Total Stockholder Equity3,600
 As reported
Total Liabilities 3,692
Total Stockholder Equity+ 3,600
Total Assets = 7,292

Assets

Total Assets7,292
Total Current Assets3,071
Long-term Assets3,071
Total Current Assets
Cash And Cash Equivalents 1,291
Short-term Investments 28
Net Receivables 1,569
Other Current Assets 184
Total Current Assets  (as reported)3,071
Total Current Assets  (calculated)3,071
+/- 0
Long-term Assets
Goodwill 518
Intangible Assets 2,566
Long-term Assets  (as reported)4,221
Long-term Assets  (calculated)3,084
+/- 1,137

Liabilities & Shareholders' Equity

Total Current Liabilities1,011
Long-term Liabilities2,681
Total Stockholder Equity3,600
Total Current Liabilities
Accounts payable 269
Other Current Liabilities 534
Total Current Liabilities  (as reported)1,011
Total Current Liabilities  (calculated)803
+/- 208
Long-term Liabilities
Long-term Liabilities  (as reported)2,681
Long-term Liabilities  (calculated)0
+/- 2,681
Total Stockholder Equity
Total Stockholder Equity (as reported)3,600
Total Stockholder Equity (calculated)0
+/- 3,600
Other
Capital Stock1,388
Common Stock Shares Outstanding 1,388
Net Invested Capital 3,600
Net Working Capital 2,060



Balance Sheet

Currency in EUR. All numbers in thousands.

 Trend2022-06-302022-03-312021-12-312021-09-30
> Total Assets 
6,357
10,232
8,136
7,292
7,2928,13610,2326,357
   > Total Current Assets 
2,172
5,953
3,891
3,071
3,0713,8915,9532,172
       Cash And Cash Equivalents 
784
4,459
1,946
1,291
1,2911,9464,459784
       Short-term Investments 
22
26
93
28
28932622
       Net Receivables 
1,217
1,262
1,619
1,569
1,5691,6191,2621,217
       Other Current Assets 
149
0
232
184
1842320149
   > Long-term Assets 
4,186
4,280
4,245
4,221
4,2214,2454,2804,186
       Goodwill 
0
518
0
518
51805180
       Intangible Assets 
0
2,526
0
2,566
2,56602,5260
> Total Liabilities 
4,280
8,297
5,572
3,692
3,6925,5728,2974,280
   > Total Current Liabilities 
1,656
4,839
2,027
1,011
1,0112,0274,8391,656
       Accounts payable 
600
3,694
1,002
269
2691,0023,694600
       Other Current Liabilities 
604
254
933
534
534933254604
   > Long-term Liabilities 
2,624
3,458
3,546
2,681
2,6813,5463,4582,624
> Total Stockholder Equity
2,077
1,936
2,564
3,600
3,6002,5641,9362,077
   Common Stock0000
   Retained Earnings Total Equity0000
   Accumulated Other Comprehensive Income 0000
   Capital Surplus 0000
   Treasury Stock0000
   Other Stockholders Equity 0000



Balance Sheet

Currency in EUR. All numbers in thousands.




Cash Flow

Currency in EUR. All numbers in thousands.




Income Statement

Currency in EUR. All numbers in thousands.


Latest Income Statement (annual, 2021-12-31)

Gross Profit (+$)
totalRevenue7,252
Cost of Revenue-3,946
Gross Profit3,3063,306
 
Operating Income (+$)
Gross Profit3,306
Operating Expense-9,551
Operating Income-2,299-6,245
 
Operating Expense (+$)
Research Development-
Selling General Administrative2,181
Selling And Marketing Expenses-
Operating Expense9,5512,181
 
Net Interest Income (+$)
Interest Income18
Interest Expense-4
Net Interest Income1414
 
Pretax Income (+$)
Operating Income-2,299
Net Interest Income14
Other Non-Operating Income Expenses-
Income Before Tax (EBT)-2,285-2,299
EBIT - interestExpense = -4
-2,293
-2,290
Interest Expense4
Earnings Before Interest and Taxes (ebit)--2,282
Earnings Before Interest and Taxes (ebitda)-1,097
 
After tax Income (+$)
Income Before Tax-2,285
Tax Provision-8
Net Income From Continuing Ops-2,293-2,294
Net Income-2,293
Net Income Applicable To Common Shares-
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses-
Total Other Income/Expenses Net--14
 

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