Credible Labs Inc. operates an online marketplace that allows consumers to receive financial product offers from financial institutions in the United States.
Excellent balance sheet with limited growth.
- Credible Labs has significant price volatility in the past 3 months.
- Credible Labs is covered by less than 3 analysts.
Share Price & News
How has Credible Labs's share price performed over time and what events caused price changes?
Latest Share Price and Events
7 Day Return
AU Consumer Finance
1 Year Return
AU Consumer Finance
CRD outperformed the Consumer Finance industry which returned 7.4% over the past year.
CRD outperformed the Market in Australia which returned -0.7% over the past year.
Share holder returns
Price Volatility Vs. Market
How volatile is Credible Labs's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StIf You Had Bought Credible Labs (ASX:CRD) Stock A Year Ago, You Could Pocket A 151% Gain Today
2 months ago | Simply Wall StDo Insiders Own Lots Of Shares In Credible Labs Inc. (ASX:CRD)?
4 months ago | Simply Wall StIf You Had Bought Credible Labs (ASX:CRD) Stock A Year Ago, You Could Pocket A 18% Gain Today
Is Credible Labs undervalued based on future cash flows and its price relative to the stock market?
Price to Book (PB) ratio
Intrinsic Value Based on Future Cash Flows
Unable to calculate intrinsic value for Credible Labs to establish if it is available at moderate discount.
Unable to calculate intrinsic value for Credible Labs to establish if it is available at substantial discount.
Price Based on Earnings
Credible Labs is loss making, we can't compare its value to the AU Consumer Finance industry average.
Credible Labs is loss making, we can't compare the value of its earnings to the Australia market.
Price Based on Expected Growth
Unable to calculate PEG ratio for Credible Labs, we can't assess if its growth is good value.
Price Based on Value of Assets
Credible Labs is overvalued based on assets compared to the AU Consumer Finance industry average.
How is Credible Labs expected to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Credible Labs's revenue is expected to grow significantly at over 20% yearly.
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 growth is expected to exceed the Australia market average.
Unable to compare Credible Labs's earnings growth to the Australia market average as it is expected to be loss making during the next 1-3 years.
Unable to compare Credible Labs's earnings growth to the low risk savings rate as it is expected to be loss making during the next 1-3 years.
Earnings per Share Growth Estimates
Future Return on Equity
Unable to establish if Credible Labs will efficiently use shareholders’ funds in the future (Return on Equity greater than 20%) as it is not expected to be profitable.
How has Credible Labs performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Credible Labs does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
Unable to compare Credible Labs's 1-year earnings growth to the 5-year average as it is not currently profitable.
Unable to compare Credible Labs's 1-year growth to the AU Consumer Finance industry average as it is not currently profitable.
Return on Equity
It is difficult to establish if Credible Labs has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
Return on Assets
It is difficult to establish if Credible Labs has efficiently used its assets last year compared to the AU Consumer Finance industry average (Return on Assets) as it is loss-making.
Return on Capital Employed
It is difficult to establish if Credible Labs improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
How is Credible Labs's financial position?
Financial Position Analysis
Credible Labs is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
Credible Labs's cash and other short term assets cover its long term commitments.
Debt to Equity History and Analysis
Credible Labs's level of debt (0%) compared to net worth is satisfactory (less than 40%).
Unable to establish if Credible Labs's debt level has increased without past 5-year debt data.
Low level of unsold assets.
Debt is covered by short term assets, assets are 6.6467692403439E+16x debt.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Credible Labs has sufficient cash runway for 2.1 years based on current free cash flow.
Credible Labs has sufficient cash runway for 1.7 years if free cash flow continues to grow at historical rates of 52.7% each year.
What is Credible Labs's current dividend yield, its reliability and sustainability?
Dividend Yield and Payments Analysis
Unable to evaluate Credible Labs's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
Unable to evaluate Credible Labs's dividend against the top 25% market benchmark as the company has not reported any payouts.
Unable to perform a dividend volatility check as Credible Labs has not reported any payouts.
Unable to verify if Credible Labs's dividend has been increasing as the company has not reported any payouts.
Current Payout to Shareholders
Unable to calculate sustainability of dividends as Credible Labs has not reported any payouts.
Future Payout to Shareholders
Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
What is the CEO of Credible Labs's salary, the management and board of directors tenure and is there insider trading?
Average management tenure
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, 2 ...
Management Age and Tenure
The tenure for the Credible Labs management team is about average.
Board Age and Tenure
The tenure for the Credible Labs board of directors is about average.
No 3 month open market individual insider trading information.
Recent Insider Transactions
Member of the Board of Directors
Chris Bishko (49yo)
Chief Financial Officer
- Tenure: 1.5yrs
VP & Head of Engineering
- Tenure: 2.5yrs
- Tenure: 6.9yrs
VP and Head of Product & Design
- Tenure: 5.2yrs
Head of Partnerships & Business Development
General Counsel and Head of Legal & Compliance
Sally Chaplain (61yo)
Independent Non-Executive Director
- Tenure: 1.7yrs
Ron Suber (54yo)
Independent Non-Executive Chairman
Ray Yang (45yo)
- Tenure: 2.3yrs
- Tenure: 3.9yrs
- Tenure: 6.8yrs
Credible Labs Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Credible Labs Inc.
- Ticker: CRD
- Exchange: ASX
- Founded: 2012
- Industry: consumer finance
- Sector: diversified financials
- Market Cap: AU$553.392m
- Shares outstanding: 252.69m
- Website: Click here
Number of Employees
- Credible Labs Inc.
- 22 4th Street
- 8th Floor
- San Francisco
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CRD||ASX (Australian Securities Exchange)||Yes||NPV CDI 25:1||AU||AUD||Dec 2017|
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 loa ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2019/08/17 10:37|
|End of Day Share Price||2019/08/16 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.