creditshelf（CSQ0）株式概要クレディシェルフ・アクチェンゲゼルシャフトは、ドイツのデジタル中小企業金融会社として事業を展開している。 詳細CSQ0 ファンダメンタル分析スノーフレーク・スコア評価0/6将来の成長0/6過去の実績0/6財務の健全性0/6配当金0/6リスク分析高いレベルの非現金収入 最新の財務報告は1年以上前のものである German市場と比較して、過去 3 か月間の株価の変動が非常に大きいすべてのリスクチェックを見るCSQ0 Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.NEW462,510 membersJoin community and earn perksGain real feedbackFrom our editorial team, personally. Not silence.Grow your followingReal investors. The kind who actually invest, not scroll past.Unlock free accessFree premium subscription for consistent and quality authors.Learn moreCreate NarrativeBLINRODA462,510 investors already sharing narrativesYour Fair Value€Current Price€90.001.4k% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-8m8m2016201920222025202620282031Revenue €5.2mEarnings €1.0mAdvancedSet Fair ValueView all narrativescreditshelf Aktiengesellschaft 競合他社ALBIS LeasingSymbol: XTRA:ALGMarket cap: €67.8mGrenkeSymbol: XTRA:GLJMarket cap: €491.3mDF Deutsche ForfaitSymbol: XTRA:DFTKMarket cap: €18.1mFORISSymbol: XTRA:FRSMarket cap: €13.8m価格と性能株価の高値、安値、推移の概要creditshelf過去の株価現在の株価€90.0052週高値€90.0052週安値€0.0002ベータ01ヶ月の変化190.32%3ヶ月変化11,150.00%1年変化749,900.00%3年間の変化1,507.14%5年間の変化119.51%IPOからの変化12.01%最新ニュースお知らせ • May 02creditshelf Aktiengesellschaft to Report Fiscal Year 2025 Results on Jun 30, 2026creditshelf Aktiengesellschaft announced that they will report fiscal year 2025 results on Jun 30, 2026New Risk • Nov 09New major risk - Financial data availabilityThe company's latest financial reports are more than a year old. Last reported fiscal period ended September 2023. This is considered a major risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. In the worst case scenario, it may be facing other major going concern issues jeopardizing its viability as a listed company. Currently, the following risks have been identified for the company: Major Risks Latest financial reports are more than 1 year old (reported September 2023 fiscal period end). Share price has been highly volatile over the past 3 months (59% average daily change). Revenue has declined by 35% over the past year. Market cap is less than US$10m (€55.8k market cap, or US$59.8k).New Risk • Sep 30New major risk - Revenue and earnings growthRevenue has declined by 35% over the past year. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If revenues are declining, then it is difficult for the company to prevent its earnings from declining as well. A trend of falling revenue can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (58% average daily change). Revenue has declined by 35% over the past year. Market cap is less than US$10m (€44.7k market cap, or US$49.9k). Minor Risk Latest financial reports are more than 6 months old (reported September 2023 fiscal period end).New Risk • May 27New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended September 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-€3.2m free cash flow). Share price has been highly volatile over the past 3 months (83% average weekly change). Market cap is less than US$10m (€48.9k market cap, or US$53.0k). Minor Risk Latest financial reports are more than 6 months old (reported September 2023 fiscal period end).New Risk • Jan 24New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 8.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-€3.2m free cash flow). Market cap is less than US$10m (€5.95m market cap, or US$6.45m). Minor Risk Share price has been volatile over the past 3 months (8.9% average weekly change).お知らせ • Jan 19+ 4 more updatescreditshelf Aktiengesellschaft, Annual General Meeting, Jul 04, 2024creditshelf Aktiengesellschaft, Annual General Meeting, Jul 04, 2024.最新情報をもっと見るRecent updatesお知らせ • May 02creditshelf Aktiengesellschaft to Report Fiscal Year 2025 Results on Jun 30, 2026creditshelf Aktiengesellschaft announced that they will report fiscal year 2025 results on Jun 30, 2026New Risk • Nov 09New major risk - Financial data availabilityThe company's latest financial reports are more than a year old. Last reported fiscal period ended September 2023. This is considered a major risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. In the worst case scenario, it may be facing other major going concern issues jeopardizing its viability as a listed company. Currently, the following risks have been identified for the company: Major Risks Latest financial reports are more than 1 year old (reported September 2023 fiscal period end). Share price has been highly volatile over the past 3 months (59% average daily change). Revenue has declined by 35% over the past year. Market cap is less than US$10m (€55.8k market cap, or US$59.8k).New Risk • Sep 30New major risk - Revenue and earnings growthRevenue has declined by 35% over the past year. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If revenues are declining, then it is difficult for the company to prevent its earnings from declining as well. A trend of falling revenue can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (58% average daily change). Revenue has declined by 35% over the past year. Market cap is less than US$10m (€44.7k market cap, or US$49.9k). Minor Risk Latest financial reports are more than 6 months old (reported September 2023 fiscal period end).New Risk • May 27New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended September 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-€3.2m free cash flow). Share price has been highly volatile over the past 3 months (83% average weekly change). Market cap is less than US$10m (€48.9k market cap, or US$53.0k). Minor Risk Latest financial reports are more than 6 months old (reported September 2023 fiscal period end).New Risk • Jan 24New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 8.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-€3.2m free cash flow). Market cap is less than US$10m (€5.95m market cap, or US$6.45m). Minor Risk Share price has been volatile over the past 3 months (8.9% average weekly change).お知らせ • Jan 19+ 4 more updatescreditshelf Aktiengesellschaft, Annual General Meeting, Jul 04, 2024creditshelf Aktiengesellschaft, Annual General Meeting, Jul 04, 2024.Reported Earnings • Nov 11Third quarter 2023 earnings released: €0.15 loss per share (vs €0.68 loss in 3Q 2022)Third quarter 2023 results: €0.15 loss per share (improved from €0.68 loss in 3Q 2022). Revenue: €2.72m (up 101% from 3Q 2022). Net loss: €210.9k (loss narrowed 78% from 3Q 2022). Over the last 3 years on average, earnings per share has increased by 44% per year but the company’s share price has fallen by 53% per year, which means it is significantly lagging earnings.Reported Earnings • Sep 01Second quarter 2023 earnings released: €0.28 loss per share (vs €0.61 profit in 2Q 2022)Second quarter 2023 results: €0.28 loss per share (down from €0.61 profit in 2Q 2022). Revenue: €2.24m (up 35% from 2Q 2022). Net loss: €392.7k (down 147% from profit in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 55% per year but the company’s share price has fallen by 51% per year, which means it is significantly lagging earnings.New Risk • Aug 18New major risk - Market cap sizeThe company's market capitalization is less than US$10m. Market cap: €6.98m (US$7.59m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (32% average weekly change). Market cap is less than US$10m (€6.98m market cap, or US$7.59m).お知らせ • Aug 10creditshelf Aktiengesellschaft to Report Q2, 2023 Results on Aug 31, 2023creditshelf Aktiengesellschaft announced that they will report Q2, 2023 results on Aug 31, 2023Breakeven Date Change • May 26Forecast breakeven date moved forward to 2023The analyst covering creditshelf previously expected the company to break even in 2024. New forecast suggests the company will make a profit of €600.0k in 2023. Earnings growth of 83% is required to achieve expected profit on schedule.Valuation Update With 7 Day Price Move • May 25Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €10.40, the stock trades at a forward P/E ratio of 32x. Average forward P/E is 14x in the Diversified Financial industry in Germany. Total loss to shareholders of 80% over the past three years.お知らせ • May 25creditshelf Aktiengesellschaft, Annual General Meeting, Jul 04, 2023creditshelf Aktiengesellschaft, Annual General Meeting, Jul 04, 2023, at 11:00 Central European Standard Time. Location: Mainzer Landstraße 33a event facilities "Zwischengeschoss," 60329 Frankfurt GermanyValuation Update With 7 Day Price Move • May 10Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to €12.20, the stock trades at a forward P/E ratio of 37x. Average forward P/E is 15x in the Diversified Financial industry in Germany. Total loss to shareholders of 76% over the past three years.Price Target Changed • Nov 17Price target increased to €49.00Up from €40.00, the current price target is provided by 1 analyst. New target price is 98% above last closing price of €24.80. Stock is down 39% over the past year. The company is forecast to post earnings per share of €0.29 next year compared to a net loss per share of €1.67 last year.Valuation Update With 7 Day Price Move • Nov 10Investor sentiment improved over the past weekAfter last week's 30% share price gain to €32.20, the stock trades at a forward P/E ratio of 184x. Average forward P/E is 10x in the Diversified Financial industry in Europe. Total loss to shareholders of 35% over the past three years.Reported Earnings • Sep 10Second quarter 2022 earnings released: EPS: €0.61 (vs €0.62 loss in 2Q 2021)Second quarter 2022 results: EPS: €0.61 (up from €0.62 loss in 2Q 2021). Revenue: €3.61m (up 91% from 2Q 2021). Net income: €836.8k (up €1.69m from 2Q 2021). Profit margin: 23% (up from net loss in 2Q 2021). The move to profitability was driven by higher revenue. Revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 7.5% growth forecast for the Diversified Financial industry in Germany. Over the last 3 years on average, earnings per share has increased by 54% per year but the company’s share price has fallen by 20% per year, which means it is significantly lagging earnings.Breakeven Date Change • Jun 01Forecast breakeven date pushed back to 2024The analyst covering creditshelf previously expected the company to break even in 2023. New forecast suggests losses will reduce by 79% per year to 2023. The company is expected to make a profit of €1.60m in 2024. Average annual earnings growth of 105% is required to achieve expected profit on schedule.Price Target Changed • May 19Price target decreased to €58.00Down from €63.00, the current price target is an average from 2 analysts. New target price is 77% above last closing price of €32.80. Stock is down 30% over the past year. The company is forecast to post a net loss per share of €0.035 next year compared to a net loss per share of €1.67 last year.Reported Earnings • May 12First quarter 2022 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2022 results: EPS: €0.37 (up from €0.53 loss in 1Q 2021). Revenue: €2.70m (up 50% from 1Q 2021). Net income: €514.6k (up €1.24m from 1Q 2021). Profit margin: 19% (up from net loss in 1Q 2021). The move to profitability was primarily driven by higher revenue. Revenue missed analyst estimates by 100%. Earnings per share (EPS) exceeded analyst estimates. Over the next year, revenue is forecast to grow 32%, compared to a 8.6% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 36% per year but the company’s share price has fallen by 22% per year, which means it is significantly lagging earnings.Reported Earnings • Mar 31Full year 2021 earnings: EPS and revenues miss analyst expectationsFull year 2021 results: €1.67 loss per share (up from €3.92 loss in FY 2020). Revenue: €8.03m (up 51% from FY 2020). Net loss: €2.29m (loss narrowed 57% from FY 2020). Revenue missed analyst estimates by 100%. Earnings per share (EPS) also missed analyst estimates by 100%. Over the next year, revenue is forecast to grow 36%, compared to a 12% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has fallen by 24% per year, which means it is significantly lagging earnings.Price Target Changed • Feb 11Price target decreased to €60.00Down from €65.50, the current price target is an average from 3 analysts. New target price is 88% above last closing price of €32.00. Stock is down 25% over the past year. The company is forecast to post a net loss per share of €2.22 next year compared to a net loss per share of €3.92 last year.Reported Earnings • Nov 13Third quarter 2021 earnings released: €0.41 loss per share (vs €0.85 loss in 3Q 2020)The company reported a solid third quarter result with reduced losses, improved revenues and improved control over expenses. Third quarter 2021 results: Revenue: €1.73m (up 33% from 3Q 2020). Net loss: €564.2k (loss narrowed 51% from 3Q 2020). Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 16% per year, which means it is significantly lagging earnings.Reported Earnings • Sep 10Second quarter 2021 earnings released: €0.62 loss per share (vs €0.73 loss in 2Q 2020)The company reported a decent second quarter result with reduced losses and improved control over expenses, although revenues were weaker. Second quarter 2021 results: Revenue: €1.89m (down 2.2% from 2Q 2020). Net loss: €855.3k (loss narrowed 13% from 2Q 2020). Over the last 3 years on average, earnings per share has fallen by 8% per year but the company’s share price has fallen by 18% per year, which means it is performing significantly worse than earnings.Breakeven Date Change • May 14Forecast breakeven pushed back to 2023The 3 analysts covering creditshelf previously expected the company to break even in 2022. New consensus forecast suggests losses will reduce by 59% per year to 2022. The company is expected to make a profit of €766.7k in 2023. Average annual earnings growth of 84% is required to achieve expected profit on schedule.Reported Earnings • May 14First quarter 2021 earnings released: EPS €0.53 (vs €1.57 loss in 1Q 2020)The company reported a solid first quarter result with reduced losses, improved revenues and improved control over expenses. First quarter 2021 results: Revenue: €1.80m (up 138% from 1Q 2020). Net loss: €727.4k (loss narrowed 66% from 1Q 2020).Executive Departure • May 01Chief Risk Officer & Member of Management Board has left the companyOn the 30th of April, Mark Wahrisch's tenure in the role of Chief Risk Officer & Member of Management Board ended. We don't have any record of a personal shareholding under Mark's name. Mark is the only executive to leave the company over the last 12 months.Reported Earnings • Mar 31Full year 2020 earnings released: €3.92 loss per share (vs €3.73 loss in FY 2019)The company reported a solid full year result with improved revenues and control over costs, although losses increased. Full year 2020 results: Revenue: €6.26m (up 31% from FY 2019). Net loss: €5.33m (loss widened 7.2% from FY 2019).Is New 90 Day High Low • Feb 15New 90-day high: €47.20The company is up 17% from its price of €40.40 on 17 November 2020. The German market is up 10.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Diversified Financial industry, which is up 18% over the same period.Is New 90 Day High Low • Jan 07New 90-day low: €38.60The company is down 17% from its price of €46.60 on 09 October 2020. The German market is up 8.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Diversified Financial industry, which is down 2.0% over the same period.Reported Earnings • Nov 13Third quarter 2020 earnings released: €0.85 loss per shareThe company reported a solid third quarter result with reduced losses and improved revenues and control over expenses. Third quarter 2020 results: Revenue: €1.81m (up 149% from 3Q 2019). Net loss: €1.15m (loss narrowed 17% from 3Q 2019).Is New 90 Day High Low • Oct 27New 90-day low: €44.00The company is down 10.0% from its price of €48.80 on 29 July 2020. The German market is down 4.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Diversified Financial industry, which is down 26% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is per share.Is New 90 Day High Low • Oct 08New 90-day low: €45.60The company is down 10.0% from its price of €50.50 on 10 July 2020. The German market is up 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Diversified Financial industry, which is down 8.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is per share.Is New 90 Day High Low • Sep 19New 90-day low: €47.00The company is down 8.0% from its price of €51.00 on 19 June 2020. The German market is up 6.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Diversified Financial industry, which is down 23% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is per share.株主還元CSQ0DE Diversified FinancialDE 市場7D12.5%-0.6%-0.8%1Y749,900.0%-18.2%2.4%株主還元を見る業界別リターン: CSQ0過去 1 年間で-18.2 % の収益を上げたGerman Diversified Financial業界を上回りました。リターン対市場: CSQ0過去 1 年間で2.4 % の収益を上げたGerman市場を上回りました。価格変動Is CSQ0's price volatile compared to industry and market?CSQ0 volatilityCSQ0 Average Weekly Movement51.0%Diversified Financial Industry Average Movement4.7%Market Average Movement5.2%10% most volatile stocks in DE Market12.8%10% least volatile stocks in DE Market2.6%安定した株価: CSQ0の株価は、 German市場と比較して過去 3 か月間で変動しています。時間の経過による変動: CSQ0の 週次ボラティリティ は過去 1 年間で36451%から51%に減少しましたが、依然としてGerman株の 75% よりも高くなっています。会社概要設立従業員CEO（最高経営責任者ウェブサイト2014n/aTim Thaben/aクレディシェルフ・アクチェンゲゼルシャフトはドイツでデジタル中小企業金融会社として営業している。同社は法人、投資、運転資金融資、企業、プロジェクト、成長融資ソリューションを提供している。同社はオンラインプラットフォームであるcreditshelf.comを通じて顧客にサービスを提供している。creditshelf Aktiengesellschaftは2014年に設立され、ドイツのフランクフルト・アム・マインに拠点を置いている。もっと見るcreditshelf Aktiengesellschaft 基礎のまとめcreditshelf の収益と売上を時価総額と比較するとどうか。CSQ0 基礎統計学時価総額€125.64m収益（TTM）-€2.56m売上高(TTM)€5.23m0.0xP/Sレシオ0.0xPER（株価収益率CSQ0 は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計CSQ0 損益計算書（TTM）収益€5.23m売上原価€5.67m売上総利益-€440.90kその他の費用€2.12m収益-€2.56m直近の収益報告Sep 30, 2023次回決算日該当なし一株当たり利益（EPS）0グロス・マージン0.00%純利益率0.00%有利子負債／自己資本比率0.0%CSQ0 の長期的なパフォーマンスは？過去の実績と比較を見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/08/21 10:21終値2026/08/17 00:00収益2023/09/30年間収益2022/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋creditshelf Aktiengesellschaft 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。1 アナリスト機関Frederik JarchowHauck Aufhäuser Investment Banking
お知らせ • May 02creditshelf Aktiengesellschaft to Report Fiscal Year 2025 Results on Jun 30, 2026creditshelf Aktiengesellschaft announced that they will report fiscal year 2025 results on Jun 30, 2026
New Risk • Nov 09New major risk - Financial data availabilityThe company's latest financial reports are more than a year old. Last reported fiscal period ended September 2023. This is considered a major risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. In the worst case scenario, it may be facing other major going concern issues jeopardizing its viability as a listed company. Currently, the following risks have been identified for the company: Major Risks Latest financial reports are more than 1 year old (reported September 2023 fiscal period end). Share price has been highly volatile over the past 3 months (59% average daily change). Revenue has declined by 35% over the past year. Market cap is less than US$10m (€55.8k market cap, or US$59.8k).
New Risk • Sep 30New major risk - Revenue and earnings growthRevenue has declined by 35% over the past year. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If revenues are declining, then it is difficult for the company to prevent its earnings from declining as well. A trend of falling revenue can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (58% average daily change). Revenue has declined by 35% over the past year. Market cap is less than US$10m (€44.7k market cap, or US$49.9k). Minor Risk Latest financial reports are more than 6 months old (reported September 2023 fiscal period end).
New Risk • May 27New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended September 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-€3.2m free cash flow). Share price has been highly volatile over the past 3 months (83% average weekly change). Market cap is less than US$10m (€48.9k market cap, or US$53.0k). Minor Risk Latest financial reports are more than 6 months old (reported September 2023 fiscal period end).
New Risk • Jan 24New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 8.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-€3.2m free cash flow). Market cap is less than US$10m (€5.95m market cap, or US$6.45m). Minor Risk Share price has been volatile over the past 3 months (8.9% average weekly change).
お知らせ • Jan 19+ 4 more updatescreditshelf Aktiengesellschaft, Annual General Meeting, Jul 04, 2024creditshelf Aktiengesellschaft, Annual General Meeting, Jul 04, 2024.
お知らせ • May 02creditshelf Aktiengesellschaft to Report Fiscal Year 2025 Results on Jun 30, 2026creditshelf Aktiengesellschaft announced that they will report fiscal year 2025 results on Jun 30, 2026
New Risk • Nov 09New major risk - Financial data availabilityThe company's latest financial reports are more than a year old. Last reported fiscal period ended September 2023. This is considered a major risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. In the worst case scenario, it may be facing other major going concern issues jeopardizing its viability as a listed company. Currently, the following risks have been identified for the company: Major Risks Latest financial reports are more than 1 year old (reported September 2023 fiscal period end). Share price has been highly volatile over the past 3 months (59% average daily change). Revenue has declined by 35% over the past year. Market cap is less than US$10m (€55.8k market cap, or US$59.8k).
New Risk • Sep 30New major risk - Revenue and earnings growthRevenue has declined by 35% over the past year. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If revenues are declining, then it is difficult for the company to prevent its earnings from declining as well. A trend of falling revenue can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (58% average daily change). Revenue has declined by 35% over the past year. Market cap is less than US$10m (€44.7k market cap, or US$49.9k). Minor Risk Latest financial reports are more than 6 months old (reported September 2023 fiscal period end).
New Risk • May 27New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended September 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-€3.2m free cash flow). Share price has been highly volatile over the past 3 months (83% average weekly change). Market cap is less than US$10m (€48.9k market cap, or US$53.0k). Minor Risk Latest financial reports are more than 6 months old (reported September 2023 fiscal period end).
New Risk • Jan 24New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 8.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-€3.2m free cash flow). Market cap is less than US$10m (€5.95m market cap, or US$6.45m). Minor Risk Share price has been volatile over the past 3 months (8.9% average weekly change).
お知らせ • Jan 19+ 4 more updatescreditshelf Aktiengesellschaft, Annual General Meeting, Jul 04, 2024creditshelf Aktiengesellschaft, Annual General Meeting, Jul 04, 2024.
Reported Earnings • Nov 11Third quarter 2023 earnings released: €0.15 loss per share (vs €0.68 loss in 3Q 2022)Third quarter 2023 results: €0.15 loss per share (improved from €0.68 loss in 3Q 2022). Revenue: €2.72m (up 101% from 3Q 2022). Net loss: €210.9k (loss narrowed 78% from 3Q 2022). Over the last 3 years on average, earnings per share has increased by 44% per year but the company’s share price has fallen by 53% per year, which means it is significantly lagging earnings.
Reported Earnings • Sep 01Second quarter 2023 earnings released: €0.28 loss per share (vs €0.61 profit in 2Q 2022)Second quarter 2023 results: €0.28 loss per share (down from €0.61 profit in 2Q 2022). Revenue: €2.24m (up 35% from 2Q 2022). Net loss: €392.7k (down 147% from profit in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 55% per year but the company’s share price has fallen by 51% per year, which means it is significantly lagging earnings.
New Risk • Aug 18New major risk - Market cap sizeThe company's market capitalization is less than US$10m. Market cap: €6.98m (US$7.59m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (32% average weekly change). Market cap is less than US$10m (€6.98m market cap, or US$7.59m).
お知らせ • Aug 10creditshelf Aktiengesellschaft to Report Q2, 2023 Results on Aug 31, 2023creditshelf Aktiengesellschaft announced that they will report Q2, 2023 results on Aug 31, 2023
Breakeven Date Change • May 26Forecast breakeven date moved forward to 2023The analyst covering creditshelf previously expected the company to break even in 2024. New forecast suggests the company will make a profit of €600.0k in 2023. Earnings growth of 83% is required to achieve expected profit on schedule.
Valuation Update With 7 Day Price Move • May 25Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €10.40, the stock trades at a forward P/E ratio of 32x. Average forward P/E is 14x in the Diversified Financial industry in Germany. Total loss to shareholders of 80% over the past three years.
お知らせ • May 25creditshelf Aktiengesellschaft, Annual General Meeting, Jul 04, 2023creditshelf Aktiengesellschaft, Annual General Meeting, Jul 04, 2023, at 11:00 Central European Standard Time. Location: Mainzer Landstraße 33a event facilities "Zwischengeschoss," 60329 Frankfurt Germany
Valuation Update With 7 Day Price Move • May 10Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to €12.20, the stock trades at a forward P/E ratio of 37x. Average forward P/E is 15x in the Diversified Financial industry in Germany. Total loss to shareholders of 76% over the past three years.
Price Target Changed • Nov 17Price target increased to €49.00Up from €40.00, the current price target is provided by 1 analyst. New target price is 98% above last closing price of €24.80. Stock is down 39% over the past year. The company is forecast to post earnings per share of €0.29 next year compared to a net loss per share of €1.67 last year.
Valuation Update With 7 Day Price Move • Nov 10Investor sentiment improved over the past weekAfter last week's 30% share price gain to €32.20, the stock trades at a forward P/E ratio of 184x. Average forward P/E is 10x in the Diversified Financial industry in Europe. Total loss to shareholders of 35% over the past three years.
Reported Earnings • Sep 10Second quarter 2022 earnings released: EPS: €0.61 (vs €0.62 loss in 2Q 2021)Second quarter 2022 results: EPS: €0.61 (up from €0.62 loss in 2Q 2021). Revenue: €3.61m (up 91% from 2Q 2021). Net income: €836.8k (up €1.69m from 2Q 2021). Profit margin: 23% (up from net loss in 2Q 2021). The move to profitability was driven by higher revenue. Revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 7.5% growth forecast for the Diversified Financial industry in Germany. Over the last 3 years on average, earnings per share has increased by 54% per year but the company’s share price has fallen by 20% per year, which means it is significantly lagging earnings.
Breakeven Date Change • Jun 01Forecast breakeven date pushed back to 2024The analyst covering creditshelf previously expected the company to break even in 2023. New forecast suggests losses will reduce by 79% per year to 2023. The company is expected to make a profit of €1.60m in 2024. Average annual earnings growth of 105% is required to achieve expected profit on schedule.
Price Target Changed • May 19Price target decreased to €58.00Down from €63.00, the current price target is an average from 2 analysts. New target price is 77% above last closing price of €32.80. Stock is down 30% over the past year. The company is forecast to post a net loss per share of €0.035 next year compared to a net loss per share of €1.67 last year.
Reported Earnings • May 12First quarter 2022 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2022 results: EPS: €0.37 (up from €0.53 loss in 1Q 2021). Revenue: €2.70m (up 50% from 1Q 2021). Net income: €514.6k (up €1.24m from 1Q 2021). Profit margin: 19% (up from net loss in 1Q 2021). The move to profitability was primarily driven by higher revenue. Revenue missed analyst estimates by 100%. Earnings per share (EPS) exceeded analyst estimates. Over the next year, revenue is forecast to grow 32%, compared to a 8.6% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 36% per year but the company’s share price has fallen by 22% per year, which means it is significantly lagging earnings.
Reported Earnings • Mar 31Full year 2021 earnings: EPS and revenues miss analyst expectationsFull year 2021 results: €1.67 loss per share (up from €3.92 loss in FY 2020). Revenue: €8.03m (up 51% from FY 2020). Net loss: €2.29m (loss narrowed 57% from FY 2020). Revenue missed analyst estimates by 100%. Earnings per share (EPS) also missed analyst estimates by 100%. Over the next year, revenue is forecast to grow 36%, compared to a 12% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has fallen by 24% per year, which means it is significantly lagging earnings.
Price Target Changed • Feb 11Price target decreased to €60.00Down from €65.50, the current price target is an average from 3 analysts. New target price is 88% above last closing price of €32.00. Stock is down 25% over the past year. The company is forecast to post a net loss per share of €2.22 next year compared to a net loss per share of €3.92 last year.
Reported Earnings • Nov 13Third quarter 2021 earnings released: €0.41 loss per share (vs €0.85 loss in 3Q 2020)The company reported a solid third quarter result with reduced losses, improved revenues and improved control over expenses. Third quarter 2021 results: Revenue: €1.73m (up 33% from 3Q 2020). Net loss: €564.2k (loss narrowed 51% from 3Q 2020). Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 16% per year, which means it is significantly lagging earnings.
Reported Earnings • Sep 10Second quarter 2021 earnings released: €0.62 loss per share (vs €0.73 loss in 2Q 2020)The company reported a decent second quarter result with reduced losses and improved control over expenses, although revenues were weaker. Second quarter 2021 results: Revenue: €1.89m (down 2.2% from 2Q 2020). Net loss: €855.3k (loss narrowed 13% from 2Q 2020). Over the last 3 years on average, earnings per share has fallen by 8% per year but the company’s share price has fallen by 18% per year, which means it is performing significantly worse than earnings.
Breakeven Date Change • May 14Forecast breakeven pushed back to 2023The 3 analysts covering creditshelf previously expected the company to break even in 2022. New consensus forecast suggests losses will reduce by 59% per year to 2022. The company is expected to make a profit of €766.7k in 2023. Average annual earnings growth of 84% is required to achieve expected profit on schedule.
Reported Earnings • May 14First quarter 2021 earnings released: EPS €0.53 (vs €1.57 loss in 1Q 2020)The company reported a solid first quarter result with reduced losses, improved revenues and improved control over expenses. First quarter 2021 results: Revenue: €1.80m (up 138% from 1Q 2020). Net loss: €727.4k (loss narrowed 66% from 1Q 2020).
Executive Departure • May 01Chief Risk Officer & Member of Management Board has left the companyOn the 30th of April, Mark Wahrisch's tenure in the role of Chief Risk Officer & Member of Management Board ended. We don't have any record of a personal shareholding under Mark's name. Mark is the only executive to leave the company over the last 12 months.
Reported Earnings • Mar 31Full year 2020 earnings released: €3.92 loss per share (vs €3.73 loss in FY 2019)The company reported a solid full year result with improved revenues and control over costs, although losses increased. Full year 2020 results: Revenue: €6.26m (up 31% from FY 2019). Net loss: €5.33m (loss widened 7.2% from FY 2019).
Is New 90 Day High Low • Feb 15New 90-day high: €47.20The company is up 17% from its price of €40.40 on 17 November 2020. The German market is up 10.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Diversified Financial industry, which is up 18% over the same period.
Is New 90 Day High Low • Jan 07New 90-day low: €38.60The company is down 17% from its price of €46.60 on 09 October 2020. The German market is up 8.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Diversified Financial industry, which is down 2.0% over the same period.
Reported Earnings • Nov 13Third quarter 2020 earnings released: €0.85 loss per shareThe company reported a solid third quarter result with reduced losses and improved revenues and control over expenses. Third quarter 2020 results: Revenue: €1.81m (up 149% from 3Q 2019). Net loss: €1.15m (loss narrowed 17% from 3Q 2019).
Is New 90 Day High Low • Oct 27New 90-day low: €44.00The company is down 10.0% from its price of €48.80 on 29 July 2020. The German market is down 4.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Diversified Financial industry, which is down 26% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is per share.
Is New 90 Day High Low • Oct 08New 90-day low: €45.60The company is down 10.0% from its price of €50.50 on 10 July 2020. The German market is up 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Diversified Financial industry, which is down 8.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is per share.
Is New 90 Day High Low • Sep 19New 90-day low: €47.00The company is down 8.0% from its price of €51.00 on 19 June 2020. The German market is up 6.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Diversified Financial industry, which is down 23% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is per share.
