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Zurich Insurance Group Ltd
Buy, Hold or Sell?

I guess you are interested in Zurich Insurance Group Ltd. 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 Zurich

Let's start. I'm going to help you getting a better view of Zurich Insurance Group Ltd. 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 Zurich Insurance Group Ltd 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 Zurich Insurance Group Ltd is doing in the market. If the company is worth buying. The latest step is to find out how other investors value Zurich Insurance Group Ltd. The closing price on 2022-09-30 was $39.78 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.
Zurich Insurance Group Ltd Daily Candlestick Chart


Summary

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
The company is just able to pay all its short-term debts.
The company is able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

1.1. Profitability of Zurich Insurance Group Ltd.

1.1. Profitability

An important factor of a company's health is the profitability.

1.1.1. Net Profit Margin

Measures how much net profit Zurich earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Zurich to the Insurance-Diversified industry mean.
  • A Net Profit Margin of 0.0% means that $0.00 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Zurich Insurance Group Ltd:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y3.2%-3.2%
5Y3.2%10Y3.4%-0.1%
Compared to industry (Insurance-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ-6.4%-6.4%
TTM-3.8%-3.8%
YOY-5.8%-5.8%
5Y3.2%4.1%-0.9%
10Y3.4%5.4%-2.0%
1.1.2. Return on Assets

Shows how efficient Zurich is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Zurich to the Insurance-Diversified industry mean.
  • 0.3% Return on Assets means that Zurich generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Zurich Insurance Group Ltd:

  • The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.3%TTM0.3%0.0%
TTM0.3%YOY0.3%+0.0%
TTM0.3%5Y0.2%+0.1%
5Y0.2%10Y0.2%+0.0%
Compared to industry (Insurance-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3%0.3%0.0%
TTM0.3%0.3%+0.0%
YOY0.3%0.3%0.0%
5Y0.2%0.2%+0.0%
10Y0.2%0.2%+0.0%
1.1.3. Return on Equity

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

  • Above 15%-20% is considered healthy but always compare Zurich to the Insurance-Diversified industry mean.
  • 4.0% Return on Equity means the company generated $0.04 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Zurich Insurance Group Ltd:

  • The MRQ is 4.0%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 3.7%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ4.0%TTM3.7%+0.2%
TTM3.7%YOY3.3%+0.4%
TTM3.7%5Y3.0%+0.7%
5Y3.0%10Y3.0%+0.0%
Compared to industry (Insurance-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ4.0%3.0%+1.0%
TTM3.7%2.4%+1.3%
YOY3.3%2.4%+0.9%
5Y3.0%2.4%+0.6%
10Y3.0%2.4%+0.6%

1.2. Operating Efficiency of Zurich Insurance Group Ltd.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Zurich is operating .

  • Measures how much profit Zurich 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 Zurich to the Insurance-Diversified 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 Zurich Insurance Group Ltd:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y5.2%-5.2%
5Y5.2%10Y5.5%-0.3%
Compared to industry (Insurance-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ-7.7%-7.7%
TTM-6.9%-6.9%
YOY-8.8%-8.8%
5Y5.2%5.3%-0.1%
10Y5.5%5.4%+0.1%
1.2.2. Operating Ratio

Measures how efficient Zurich is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Insurance-Diversified industry mean).
  • An Operation Ratio of 0.0% means that the operating costs are $0.00for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Zurich Insurance Group Ltd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.834-0.834
5Y0.83410Y0.910-0.076
Compared to industry (Insurance-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.935-0.935
TTM-0.950-0.950
YOY-0.911-0.911
5Y0.8341.016-0.182
10Y0.9100.871+0.039

1.3. Liquidity of Zurich Insurance Group Ltd.

1.3. Liquidity
1.3.1. Current Ratio

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

  • Above 1.5 is considered healthy (always compare to Insurance-Diversified industry mean).
  • A Current Ratio of 157.2% means the company has $1.57 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Zurich Insurance Group Ltd:

  • The MRQ is 1.572. The company is able to pay all its short-term debts. +1
  • The TTM is 1.452. The company is just able to pay all its short-term debts.
Trends
Current periodCompared to+/- 
MRQ1.572TTM1.452+0.120
TTM1.452YOY1.526-0.073
TTM1.4525Y1.432+0.021
5Y1.43210Y1.440-0.008
Compared to industry (Insurance-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ1.5721.292+0.280
TTM1.4521.547-0.095
YOY1.5261.419+0.107
5Y1.4321.598-0.166
10Y1.4401.327+0.113
1.3.2. Quick Ratio

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

  • Above 1 is considered healthy (always compare to Insurance-Diversified industry mean)
  • A Quick Ratio of 218.0% means the company can pay off $2.18 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Zurich Insurance Group Ltd:

  • The MRQ is 2.180. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 1.372. The company is able to pay all its short-term debts with the most liquid assets. +1
Trends
Current periodCompared to+/- 
MRQ2.180TTM1.372+0.807
TTM1.372YOY1.284+0.088
TTM1.3725Y1.058+0.314
5Y1.05810Y0.985+0.073
Compared to industry (Insurance-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ2.1802.1800.000
TTM1.3721.634-0.262
YOY1.2841.501-0.217
5Y1.0581.517-0.459
10Y0.9851.260-0.275

1.4. Solvency of Zurich Insurance Group Ltd.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Zurich assets are financed with debt.

  • Below 1 (100%) is considered healthy (always compare to Insurance-Diversified industry mean).
  • A Debt to Asset Ratio of 0.92 means that Zurich assets are financed with 92.5% credit (debt) and the remaining percentage (100% - 92.5%) is financed by its owners/shareholders.

Let's take a look of the Debt to Asset Ratio trends of Zurich Insurance Group Ltd:

  • The MRQ is 0.925. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.915. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.925TTM0.915+0.010
TTM0.915YOY0.912+0.003
TTM0.9155Y0.9150.000
5Y0.91510Y0.9160.000
Compared to industry (Insurance-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9250.857+0.068
TTM0.9150.845+0.070
YOY0.9120.856+0.056
5Y0.9150.858+0.057
10Y0.9160.850+0.066
1.4.2. Debt to Equity Ratio

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

  • Below 2 is considered healthy (always compare to Insurance-Diversified industry mean).
  • A Debt to Equity ratio of 1,286.4% means that company has $12.86 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Zurich Insurance Group Ltd:

  • The MRQ is 12.864. The company is unable to pay all its debts with equity. -1
  • The TTM is 11.232. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ12.864TTM11.232+1.632
TTM11.232YOY10.750+0.482
TTM11.2325Y11.361-0.128
5Y11.36110Y11.439-0.078
Compared to industry (Insurance-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ12.8646.089+6.775
TTM11.2326.907+4.325
YOY10.7505.837+4.913
5Y11.3616.255+5.106
10Y11.4396.465+4.974

2. Market Valuation of Zurich Insurance Group Ltd

2. Earnings
2.1. Price to Earnings Ratio

Measures how many years it takes to double your invested money in Zurich.

  • Above 15 is considered overpriced but is hard to determine (always use industry average).
  • A PE ratio of 1.24 means the investor is paying $1.24 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Zurich Insurance Group Ltd:

  • The EOD is 1.132. Very good. +2
  • The MRQ is 1.239. Very good. +2
  • The TTM is 1.278. Very good. +2
Trends
Current periodCompared to+/- 
EOD1.132MRQ1.239-0.107
MRQ1.239TTM1.278-0.038
TTM1.278YOY1.445-0.167
TTM1.2785Y1.300-0.022
5Y1.30010Y1.182+0.118
Compared to industry (Insurance-Diversified)
PeriodCompanyIndustry (mean)+/- 
EOD1.1326.841-5.709
MRQ1.2397.165-5.926
TTM1.2788.560-7.282
YOY1.44510.507-9.062
5Y1.3009.926-8.626
10Y1.18210.709-9.527
2.2. Price Earnings to Growth Ratio

Measures the predicted future growth of Zurich.

  • Lower is better
  • A PEG ratio of 1 means the investor is paying a fair price for the stock

Let's take a look of the Price Earnings to Growth Ratio trends of Zurich Insurance Group Ltd:

  • The MRQ is 0.163. Very good. +2
  • The TTM is 0.075. Very good. +2
Trends
Current periodCompared to+/- 
MRQ0.163TTM0.075+0.089
TTM0.075YOY-0.053+0.128
TTM0.0755Y0.013+0.062
5Y0.01310Y0.0130.000
Compared to industry (Insurance-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1630.043+0.120
TTM0.0750.058+0.017
YOY-0.053-0.110+0.057
5Y0.0130.052-0.039
10Y0.0130.054-0.041

2. Books
2.3. Price to Book Ratio

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

  • At or below 1 is considered healthy (always compare to Insurance-Diversified industry mean).
  • A PB ratio of 0.22 means the investor is paying $0.22 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Zurich Insurance Group Ltd:

  • The EOD is 0.203. Very good. +2
  • The MRQ is 0.222. Very good. +2
  • The TTM is 0.184. Very good. +2
Trends
Current periodCompared to+/- 
EOD0.203MRQ0.222-0.019
MRQ0.222TTM0.184+0.038
TTM0.184YOY0.156+0.028
TTM0.1845Y0.091+0.093
5Y0.09110Y0.083+0.008
Compared to industry (Insurance-Diversified)
PeriodCompanyIndustry (mean)+/- 
EOD0.2031.108-0.905
MRQ0.2221.198-0.976
TTM0.1841.109-0.925
YOY0.1560.993-0.837
5Y0.0911.007-0.916
10Y0.0830.929-0.846

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Zurich Insurance Group Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Per Share--195.838245.014-20%256.840-24%136.795+43%124.359+57%
Book Value Per Share Growth---68.305-15.024-78%5.292-1391%17.803-484%17.803-484%
Current Ratio--1.5721.452+8%1.526+3%1.432+10%1.440+9%
Debt To Asset Ratio--0.9250.915+1%0.912+1%0.915+1%0.916+1%
Debt To Equity Ratio--12.86411.232+15%10.750+20%11.361+13%11.439+12%
Dividend Per Share--11.87211.868+0%10.779+10%10.126+17%10.126+17%
Eps--7.4318.785-15%8.165-9%7.019+6%6.780+10%
Eps Growth--7.59225.917-71%10.912-30%14.076-46%14.076-46%
Gains Per Share---56.433-3.156-94%16.071-451%27.930-302%27.930-302%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Net Profit Margin----0%-0%0.032-100%0.034-100%
Operating Margin----0%-0%0.052-100%0.055-100%
Operating Ratio----0%-0%0.834-100%0.910-100%
Pb Ratio0.203-9%0.2220.184+21%0.156+43%0.091+145%0.083+169%
Pe Ratio1.132-9%1.2391.278-3%1.445-14%1.300-5%1.182+5%
Peg Ratio--0.1630.075+118%-0.053+133%0.013+1138%0.013+1138%
Price Per Share39.780-9%43.55044.458-2%40.060+9%37.023+18%36.193+20%
Quick Ratio--2.1801.372+59%1.284+70%1.058+106%0.985+121%
Return On Assets--0.0030.003-7%0.003+1%0.002+16%0.002+18%
Return On Equity--0.0400.037+6%0.033+19%0.030+30%0.030+32%
 EOD+3 -0MRQTTM+6 -10YOY+6 -105Y+9 -1010Y+8 -11

3.2. Fundamental Score

Let's check the fundamental score of Zurich Insurance Group Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-151.132
Price to Book Ratio (EOD)Between0-10.203
Net Profit Margin (MRQ)Greater than00.000
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than12.180
Current Ratio (MRQ)Greater than11.572
Debt to Asset Ratio (MRQ)Less than10.925
Debt to Equity Ratio (MRQ)Less than112.864
Return on Equity (MRQ)Greater than0.150.040
Return on Assets (MRQ)Greater than0.050.003
Total5/10 (50.0%)

3.3. Technical Score

Let's check the technical score of Zurich Insurance Group Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5027.052
Ma 20Greater thanMa 5042.920
Ma 50Greater thanMa 10043.770
Ma 100Greater thanMa 20043.790
OpenGreater thanClose40.220
Total1/5 (20.0%)



Latest Balance Sheet

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

Summary
Total Assets386,409,000
Total Liabilities357,368,000
Total Stockholder Equity27,780,000
 As reported
Total Liabilities 357,368,000
Total Stockholder Equity+ 27,780,000
Total Assets = 386,409,000

Assets

Total Assets386,409,000
Total Current Assets96,800,000
Long-term Assets96,800,000
Total Current Assets
Cash And Cash Equivalents 6,510,000
Short-term Investments 111,305,000
Net Receivables 22,915,000
Total Current Assets  (as reported)96,800,000
Total Current Assets  (calculated)140,730,000
+/- 43,930,000
Long-term Assets
Property Plant Equipment 2,240,000
Goodwill 4,230,000
Long Term Investments 121,421,000
Intangible Assets 6,950,000
Long-term Assets  (as reported)0
Long-term Assets  (calculated)134,841,000
+/- 134,841,000

Liabilities & Shareholders' Equity

Total Current Liabilities61,577,000
Long-term Liabilities-
Total Stockholder Equity27,780,000
Total Current Liabilities
Accounts payable 4,501,000
Other Current Liabilities 53,712,000
Total Current Liabilities  (as reported)61,577,000
Total Current Liabilities  (calculated)58,213,000
+/- 3,364,000
Long-term Liabilities
Deferred Long Term Liability 412,000
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)412,000
+/- 412,000
Total Stockholder Equity
Common Stock11,000
Retained Earnings 41,444,000
Other Stockholders Equity -14,774,000
Total Stockholder Equity (as reported)27,780,000
Total Stockholder Equity (calculated)26,681,000
+/- 1,099,000
Other
Capital Stock11,000
Common Stock Shares Outstanding 148,291
Net Debt 7,419,000
Net Invested Capital 41,709,000
Net Tangible Assets 16,942,000



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-31
> Total Assets 
392,621,000
405,177,000
422,065,000
422,065,000
411,058,000
411,058,000
395,342,000
395,342,000
424,575,000
424,575,000
404,688,000
404,688,000
0
400,096,000
0
439,299,000
0
443,425,000
0
435,826,000
0
386,409,000
386,409,0000435,826,0000443,425,0000439,299,0000400,096,0000404,688,000404,688,000424,575,000424,575,000395,342,000395,342,000411,058,000411,058,000422,065,000422,065,000405,177,000392,621,000
   > Total Current Assets 
27,412,000
55,532,000
85,307,000
85,307,000
85,121,000
85,121,000
80,320,000
80,320,000
90,193,000
90,193,000
61,753,000
61,753,000
66,783,000
66,783,000
70,150,000
70,150,000
70,724,000
70,724,000
76,514,000
76,514,000
96,800,000
96,800,000
96,800,00096,800,00076,514,00076,514,00070,724,00070,724,00070,150,00070,150,00066,783,00066,783,00061,753,00061,753,00090,193,00090,193,00080,320,00080,320,00085,121,00085,121,00085,307,00085,307,00055,532,00027,412,000
       Cash And Cash Equivalents 
9,480,000
5,864,000
7,576,000
7,576,000
5,113,000
5,113,000
7,824,000
7,824,000
6,689,000
7,300,000
7,567,000
7,880,000
0
9,252,000
0
11,106,000
0
7,418,000
0
8,698,000
0
6,510,000
6,510,00008,698,00007,418,000011,106,00009,252,00007,880,0007,567,0007,300,0006,689,0007,824,0007,824,0005,113,0005,113,0007,576,0007,576,0005,864,0009,480,000
       Short-term Investments 
0
0
153,000
153,000
151,000
151,000
47,000
47,000
34,000
34,000
56,000
152,581,000
0
153,831,000
0
167,109,000
0
16,232,000
0
151,910,000
0
111,305,000
111,305,0000151,910,000016,232,0000167,109,0000153,831,0000152,581,00056,00034,00034,00047,00047,000151,000151,000153,000153,00000
       Net Receivables 
0
18,574,000
7,573,000
7,573,000
20,293,000
20,293,000
7,957,000
7,957,000
21,547,000
21,581,000
8,252,000
8,252,000
20,571,000
20,571,000
8,344,000
8,344,000
22,957,000
22,957,000
8,351,000
8,351,000
22,915,000
22,915,000
22,915,00022,915,0008,351,0008,351,00022,957,00022,957,0008,344,0008,344,00020,571,00020,571,0008,252,0008,252,00021,581,00021,547,0007,957,0007,957,00020,293,00020,293,0007,573,0007,573,00018,574,0000
       Other Current Assets 
17,932,000
21,529,000
60,359,000
60,359,000
50,296,000
50,296,000
55,239,000
55,239,000
51,325,000
51,325,000
34,337,000
34,337,000
26,516,000
26,516,000
37,435,000
37,435,000
28,624,000
28,624,000
46,797,000
46,797,000
57,855,000
57,855,000
57,855,00057,855,00046,797,00046,797,00028,624,00028,624,00037,435,00037,435,00026,516,00026,516,00034,337,00034,337,00051,325,00051,325,00055,239,00055,239,00050,296,00050,296,00060,359,00060,359,00021,529,00017,932,000
   > Long-term Assets 0000000000000000000000
       Property Plant Equipment 
0
1,003,000
961,000
961,000
977,000
977,000
1,037,000
1,037,000
2,357,000
2,357,000
2,635,000
2,635,000
2,644,000
2,644,000
2,705,000
2,705,000
2,538,000
2,538,000
2,436,000
2,436,000
2,240,000
2,240,000
2,240,0002,240,0002,436,0002,436,0002,538,0002,538,0002,705,0002,705,0002,644,0002,644,0002,635,0002,635,0002,357,0002,357,0001,037,0001,037,000977,000977,000961,000961,0001,003,0000
       Goodwill 
1,802,000
2,394,000
2,353,000
2,353,000
2,384,000
2,384,000
2,634,000
2,634,000
3,061,000
3,061,000
3,610,000
3,609,000
0
3,894,000
0
4,089,000
0
4,289,000
0
4,343,000
0
4,230,000
4,230,00004,343,00004,289,00004,089,00003,894,00003,609,0003,610,0003,061,0003,061,0002,634,0002,634,0002,384,0002,384,0002,353,0002,353,0002,394,0001,802,000
       Long Term Investments 
158,297,000
152,456,000
156,960,000
156,960,000
152,003,000
152,003,000
147,408,000
147,408,000
154,357,000
164,955,000
154,969,000
167,301,000
0
167,016,000
0
183,035,000
0
177,004,000
0
164,870,000
0
121,421,000
121,421,0000164,870,0000177,004,0000183,035,0000167,016,0000167,301,000154,969,000164,955,000154,357,000147,408,000147,408,000152,003,000152,003,000156,960,000156,960,000152,456,000158,297,000
       Intangible Assets 
23,194,000
25,040,000
24,450,000
24,450,000
24,944,000
24,944,000
25,108,000
25,108,000
24,639,000
5,497,000
24,565,000
5,359,000
0
5,025,000
0
5,255,000
0
7,351,000
0
7,133,000
0
6,950,000
6,950,00007,133,00007,351,00005,255,00005,025,00005,359,00024,565,0005,497,00024,639,00025,108,00025,108,00024,944,00024,944,00024,450,00024,450,00025,040,00023,194,000
> Total Liabilities 
361,375,000
372,437,000
387,172,000
387,172,000
379,587,000
379,587,000
363,540,000
363,540,000
390,001,000
390,001,000
368,139,000
368,139,000
0
365,337,000
0
399,453,000
0
405,420,000
0
396,656,000
0
357,368,000
357,368,0000396,656,0000405,420,0000399,453,0000365,337,0000368,139,000368,139,000390,001,000390,001,000363,540,000363,540,000379,587,000379,587,000387,172,000387,172,000372,437,000361,375,000
   > Total Current Liabilities 
18,109,000
36,377,000
69,094,000
69,094,000
61,859,000
61,859,000
63,775,000
63,775,000
63,723,000
63,723,000
45,503,000
45,503,000
38,904,000
38,904,000
49,747,000
49,747,000
43,088,000
43,088,000
57,405,000
57,405,000
61,577,000
61,577,000
61,577,00061,577,00057,405,00057,405,00043,088,00043,088,00049,747,00049,747,00038,904,00038,904,00045,503,00045,503,00063,723,00063,723,00063,775,00063,775,00061,859,00061,859,00069,094,00069,094,00036,377,00018,109,000
       Short-term Debt 
11,309,000
12,860,000
538,000
538,000
936,000
936,000
820,000
820,000
411,000
411,000
260,000
260,000
0
0
0
0
0
0
0
0
0
0
0000000000260,000260,000411,000411,000820,000820,000936,000936,000538,000538,00012,860,00011,309,000
       Short Long Term Debt 
11,309,000
12,860,000
538,000
538,000
936,000
936,000
820,000
820,000
411,000
411,000
260,000
260,000
0
0
0
0
0
0
0
0
0
0
0000000000260,000260,000411,000411,000820,000820,000936,000936,000538,000538,00012,860,00011,309,000
       Accounts payable 
0
11,583,000
14,411,000
14,411,000
12,083,000
12,083,000
12,271,000
12,271,000
14,312,000
14,312,000
15,936,000
15,936,000
14,969,000
14,969,000
18,967,000
18,967,000
15,321,000
15,321,000
15,334,000
15,334,000
4,501,000
4,501,000
4,501,0004,501,00015,334,00015,334,00015,321,00015,321,00018,967,00018,967,00014,969,00014,969,00015,936,00015,936,00014,312,00014,312,00012,271,00012,271,00012,083,00012,083,00014,411,00014,411,00011,583,0000
       Other Current Liabilities 
18,109,000
19,354,000
50,121,000
50,121,000
46,696,000
46,696,000
45,815,000
45,815,000
47,716,000
47,716,000
24,463,000
24,463,000
21,413,000
21,413,000
26,374,000
26,374,000
24,590,000
24,590,000
36,577,000
36,577,000
53,712,000
53,712,000
53,712,00053,712,00036,577,00036,577,00024,590,00024,590,00026,374,00026,374,00021,413,00021,413,00024,463,00024,463,00047,716,00047,716,00045,815,00045,815,00046,696,00046,696,00050,121,00050,121,00019,354,00018,109,000
   > Long-term Liabilities 0000000000000000000000
       Capital Lease Obligations 
0
0
0
0
0
0
0
0
0
0
0
2,204,000
0
0
0
2,221,000
0
0
0
2,002,000
0
0
002,002,0000002,221,0000002,204,00000000000000
       Deferred Long Term Liability 
429,000
447,000
460,000
460,000
439,000
439,000
419,000
419,000
405,000
405,000
400,000
400,000
391,000
391,000
426,000
426,000
434,000
434,000
441,000
441,000
412,000
412,000
412,000412,000441,000441,000434,000434,000426,000426,000391,000391,000400,000400,000405,000405,000419,000419,000439,000439,000460,000460,000447,000429,000
> Total Stockholder Equity
29,325,000
30,717,000
33,062,000
33,062,000
29,729,000
29,729,000
30,189,000
30,189,000
32,929,000
32,929,000
35,004,000
35,004,000
0
33,194,000
0
38,278,000
0
36,448,000
0
37,881,000
0
27,780,000
27,780,000037,881,000036,448,000038,278,000033,194,000035,004,00035,004,00032,929,00032,929,00030,189,00030,189,00029,729,00029,729,00033,062,00033,062,00030,717,00029,325,000
   Common Stock
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,000
11,00011,00011,00011,00011,00011,00011,00011,00011,00011,00011,00011,00011,00011,00011,00011,00011,00011,00011,00011,00011,00011,000
   Retained Earnings 
34,293,000
34,997,000
36,936,000
36,936,000
35,637,000
35,637,000
37,452,000
37,452,000
36,711,000
36,711,000
38,649,000
38,649,000
36,857,000
36,857,000
39,016,000
39,016,000
38,580,000
38,580,000
41,707,000
41,707,000
41,444,000
41,444,000
41,444,00041,444,00041,707,00041,707,00038,580,00038,580,00039,016,00039,016,00036,857,00036,857,00038,649,00038,649,00036,711,00036,711,00037,452,00037,452,00035,637,00035,637,00036,936,00036,936,00034,997,00034,293,000
   Capital Surplus 0000000000000000000000
   Treasury Stock0000000000000000000000
   Other Stockholders Equity -14,774,000-14,774,000-5,286,000-5,286,000-3,476,000-3,476,000-2,187,000-2,187,000-5,077,000-5,077,000-4,891,000-4,891,000-4,914,000-4,914,000-8,454,000-8,454,000-7,005,000-7,005,000-5,047,000-5,047,000-5,382,000-5,876,000



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


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

Gross Profit (+$)
totalRevenue70,065,000
Cost of Revenue--
Gross Profit-70,065,000
 
Operating Income (+$)
Gross Profit-
Operating Expense-62,744,000
Operating Income--62,744,000
 
Operating Expense (+$)
Research Development-
Selling General Administrative8,794,000
Selling And Marketing Expenses-
Operating Expense62,744,0008,794,000
 
Net Interest Income (+$)
Interest Income-
Interest Expense-1,060,000
Net Interest Income-1,060,000-1,060,000
 
Pretax Income (+$)
Operating Income-
Net Interest Income-1,060,000
Other Non-Operating Income Expenses-
Income Before Tax (EBT)7,321,000-1,283,000
EBIT - interestExpense = 6,915,000
7,097,000
6,262,000
Interest Expense1,060,000
Earnings Before Interest and Taxes (ebit)7,975,0008,381,000
Earnings Before Interest and Taxes (ebitda)-
 
After tax Income (+$)
Income Before Tax7,321,000
Tax Provision-1,895,000
Net Income From Continuing Ops5,426,0005,426,000
Net Income5,202,000
Net Income Applicable To Common Shares5,202,000
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses-
Total Other Income/Expenses Net1,283,0001,060,000
 

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