Credible Labs Inc. operates an online marketplace that allows consumers to receive financial product offers from financial institutions in the United States.
The last earnings update was 51 days ago.
Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
Credible Labs. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
is considered below, and whether this is a fair price.
Price based on past earnings
Credible Labs's earnings available for a low price, and how does
this compare to other companies in the same industry?
Credible Labs is not considered high growth as it is expected to be loss making for the next 1-3 years.
Credible Labs's revenue is expected to grow significantly at over 20% yearly.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
Credible Labs's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Stephen James Dash founded Credible Labs, Inc. in September 2012 and has been as its Chief Executive Officer since then. Mr. Dash has been Executive Director of Credible Labs, Inc. since November 21, 2012. He served as Secretary of Credible Labs Inc. until 2018. Mr. Dash has led Credible’s strategy and execution since inception, raising more than $23 million in capital, launching the Student Loan Refinancing, Private Student Loan Origination, Personal Loans and Credit Cards Marketplaces and growing the Credible team to more than 100 people. Prior to founding Credible, Stephen was an Investment Banker at J.P. Morgan, an Investment Director at M.H. Carnegie & Co and a Co-founder of Quickcharge Media. Mr. Dash holds a Bachelor of Commerce (Hons) from the University of Queensland.
Insufficient data for Stephen to compare compensation growth.
Insufficient data for Stephen to establish whether their remuneration is reasonable compared to companies of similar size in Australia.
Management Team Tenure
Average tenure of the
management team in years:
The tenure for the Credible Labs management team is about average.
Chief Financial Officer
General Counsel and Head of Legal & Compliance
VP and Head of Product & Design
VP & Head of Engineering
Head of Partnerships & Business Development
Board of Directors Tenure
Average tenure of the
board of directors in years:
The average tenure for the Credible Labs board of directors is less than 3 years, this suggests a new board.
If You Had Bought Credible Labs (ASX:CRD) Stock A Year Ago, You Could Pocket A 18% Gain Today
Given that Credible Labs didn't make a profit in the last twelve months, we'll focus on revenue growth to form a quick view of its business development. … Some companies are willing to postpone profitability to grow revenue faster, but in that case one does expect good top-line growth. … If the company can maintain the revenue growth, the share price could go higher still.
What Should Investors Know About The Future Of Credible Labs Inc.'s (ASX:CRD)?
The most recent earnings announcement Credible Labs Inc.'s (ASX:CRD) released in December 2018 … company earnings became less negative compared to the previous year's level … as a result of recent tailwinds
What Kind Of Shareholder Owns Most Credible Labs Inc (ASX:CRD) Stock?
If you want to know who really controls Credible Labs Inc (ASX:CRD), then you'll have to look at the makeup of its share registry. … Credible Labs is not a large company by global standards. … Check out our latest analysis for Credible Labs
Will Credible Labs Inc's (ASX:CRD) Earnings Grow In The Next Couple Of Years?
In December 2017, Credible Labs Inc (ASX:CRD) announced its most recent earnings update, which … company earnings became less negative compared to the previous year's level … as a result of recent tailwinds
Credible Labs Inc (ASX:CRD): What Can We Expect In The Future?
Credible Labs Inc's (ASX:CRD) released its most recent earnings update in December 2017, which revealed company earnings became less negative compared to the previous year's level - great news for investors Today I want to provide a brief commentary on how market analysts predict Credible Labs's earnings growth trajectory over the next couple of years and whether the future looks brighter. … View our latest analysis for Credible Labs Analysts' outlook for next year seems pessimistic, with earnings becoming even more negative, arriving at -US$14.50M in 2019. … The pro of this technique is that we can get a better picture of the direction of Credible Labs's earnings trajectory over the long run, irrespective of near term fluctuations, which may be more relevant for long term investors.
Should You Be Concerned About Credible Labs Inc's (ASX:CRD) Shareholders?
View our latest analysis for Credible Labs ASX:CRD Ownership_summary Apr 20th 18 Institutional Ownership Institutional investors are one of the largest group of market participants and their buy-sell decisions on a company's stock can significantly impact prices, more so, when there are relatively small amounts of shares available on the market to trade. … Private Company Ownership Potential investors in CRD should also look at another important group of investors: private companies, with a stake of 7.86%, who are primarily invested because of strategic and capital gain interests. … Thus, investors should dig deeper into CRD's business relations with these companies and how it can affect shareholder returns in the long-term.Next Steps: Institutional ownership level and composition in CRD is not high nor active enough to significantly impact its investment thesis.
What Can We Expect for Credible Labs Inc (ASX:CRD) Moving Forward?
See our latest analysis for Credible Labs What’s the catalyst for Credible Labs's sector growth? … ASX:CRD PE PEG Gauge Jan 25th 18 Consumer finance companies are typically trading at a PE of 18.2x, in-line with the Australian stock market PE of 17.9x. … Next Steps: Credible Labs has been a consumer finance industry laggard in the past year.
Who Are The Largest Shareholders In Credible Labs Inc (ASX:CRD)?
Today, I will be analyzing Credible Labs Inc’s (ASX:CRD) recent ownership structure, an important but not-so-popular subject among individual investors. … A company's ownership structure is often linked to its share performance in both the long- and short-term. … Check out our latest analysis for Credible Labs ASX:CRD Ownership_summary Jan 17th 18 Insider Ownership Insiders form another group of important ownership types as they manage the company's operations and decide the best use of capital.
Credible Labs Inc. operates an online marketplace that allows consumers to receive financial product offers from financial institutions in the United States. Its products include student loans, student loan refinancing, personal loans, and credit cards, as well as mortgage refinancing. The company was formerly known as Stampede Labs Inc. and changed its name to Credible Labs Inc. in December 2013. Credible Labs Inc. was founded in 2012 and is based in San Francisco, California.
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