creditshelf
Market Cap
€58.8m
Last Updated
2021/01/21 18:43 UTC
Data Sources
Company Financials +
Executive Summary
creditshelf Aktiengesellschaft operates as a digital SME financing company in Germany. More Details
Rewards
Risk Analysis
Snowflake Analysis
High growth potential with excellent balance sheet.
Share Price & News
How has creditshelf's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CSQ is not significantly more volatile than the rest of German stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: CSQ's weekly volatility (7%) has been stable over the past year.
Market Performance
7 Day Return
14.1%
CSQ
6.3%
DE Diversified Financial
0.4%
DE Market
1 Year Return
-19.3%
CSQ
-9.2%
DE Diversified Financial
4.9%
DE Market
Return vs Industry: CSQ underperformed the German Diversified Financial industry which returned -9% over the past year.
Return vs Market: CSQ underperformed the German Market which returned 3.6% over the past year.
Shareholder returns
| CSQ | Industry | Market | |
|---|---|---|---|
| 7 Day | 14.1% | 6.3% | 0.4% |
| 30 Day | -0.5% | 12.6% | 4.8% |
| 90 Day | -4.4% | 28.9% | 12.2% |
| 1 Year | -19.3%-19.3% | -8.4%-9.2% | 8.2%4.9% |
| 3 Year | n/a | 8.4%5.7% | 6.5%-2.8% |
| 5 Year | n/a | 87.1%80.1% | 45.0%24.7% |
Long-Term Price Volatility Vs. Market
How volatile is creditshelf's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall St
creditshelf's (ETR:CSQ) Stock Price Has Reduced 17% In The Past Year2 months ago | Simply Wall St
Downgrade: Here's How Analysts See creditshelf Aktiengesellschaft (ETR:CSQ) Performing In The Near Term3 months ago | Simply Wall St
What Type Of Returns Would creditshelf's(ETR:CSQ) Shareholders Have Earned If They Purchased Their SharesYear Ago?Valuation
Is creditshelf undervalued compared to its fair value and its price relative to the market?
12.48x
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate CSQ's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate CSQ's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: CSQ is unprofitable, so we can't compare its PE Ratio to the DE Diversified Financial industry average.
PE vs Market: CSQ is unprofitable, so we can't compare its PE Ratio to the German market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CSQ's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CSQ is overvalued based on its PB Ratio (12.5x) compared to the DE Diversified Financial industry average (12.4x).
Next Steps
Future Growth
How is creditshelf forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
109.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CSQ is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (0.07%).
Earnings vs Market: CSQ is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: CSQ's is expected to become profitable in the next 3 years.
Revenue vs Market: CSQ's revenue (49.1% per year) is forecast to grow faster than the German market (6% per year).
High Growth Revenue: CSQ's revenue (49.1% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CSQ's Return on Equity is forecast to be low in 3 years time (19.5%).
Next Steps
Past Performance
How has creditshelf performed over the past 5 years?
-38.2%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CSQ is currently unprofitable.
Growing Profit Margin: CSQ is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: CSQ is unprofitable, and losses have increased over the past 5 years at a rate of 38.2% per year.
Accelerating Growth: Unable to compare CSQ's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: CSQ is unprofitable, making it difficult to compare its past year earnings growth to the Diversified Financial industry (-2.9%).
Return on Equity
High ROE: CSQ has a negative Return on Equity (-107.14%), as it is currently unprofitable.
Next Steps
Financial Health
How is creditshelf's financial position?
Financial Position Analysis
Short Term Liabilities: CSQ's short term assets (€4.6M) exceed its short term liabilities (€3.5M).
Long Term Liabilities: CSQ's short term assets (€4.6M) exceed its long term liabilities (€1.3M).
Debt to Equity History and Analysis
Debt Level: CSQ is debt free.
Reducing Debt: CSQ had no debt 5 years ago.
Balance Sheet
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.
Stable Cash Runway: CSQ has sufficient cash runway for more than a year based on its current free cash flow.
Forecast Cash Runway: Insufficient data to determine if CSQ has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.
Next Steps
Dividend
What is creditshelf current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CSQ's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CSQ's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CSQ's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CSQ's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CSQ's dividend in 3 years as they are not forecast to pay a notable one for the German market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
1.6yrs
Average management tenure
CEO
Tim Thabe
no data
Tenure
Dr. Tim Thabe is a Co-Founder at creditshelf Aktiengesellschaft and serves as its CEO. Dr. Thabe serves as Chairman of the Management Board at creditshelf Aktiengesellschaft.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Co-Founder | no data | no data | no data | |
| Founding Partner | no data | no data | no data | |
| Chief Financial Officer | 2yrs | no data | no data | |
| Chief Risk Officer & Member of Management Board | no data | no data | no data | |
| Chief Technology Officer | 2yrs | no data | no data | |
| Head of Marketing & Communication | no data | no data | no data | |
| Head of Sales | no data | no data | no data | |
| Head of Product Management | 1.17yrs | no data | no data | |
| Head of Business Development | 1.17yrs | no data | no data |
1.6yrs
Average Tenure
Experienced Management: CSQ's management team is not considered experienced ( 1.6 years average tenure), which suggests a new team.
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Independent Member of Supervisory Board | 2.58yrs | no data | no data | |
| Chairman of the Supervisory Board | 2.67yrs | no data | 0.59% € 346.7k | |
| Independent Deputy Chairman of the Supervisory Board | 2.67yrs | no data | no data | |
| Independent Member of the supervisory board | 2.67yrs | no data | no data | |
| Independent Member of the Supervisory Board | 2.67yrs | no data | no data |
2.7yrs
Average Tenure
Experienced Board: CSQ's board of directors are not considered experienced ( 2.7 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
creditshelf Aktiengesellschaft's company bio, employee growth, exchange listings and data sources
Key Information
- Name: creditshelf Aktiengesellschaft
- Ticker: CSQ
- Exchange: XTRA
- Founded: 2014
- Industry: Specialized Finance
- Sector: Diversified Financials
- Market Cap: €58.767m
- Shares outstanding: 1.36m
- Website: https://www.creditshelf.com
Number of Employees
Location
- creditshelf Aktiengesellschaft
- Mainzer Landstrasse 33a
- Frankfurt am Main
- Hessen
- 60329
- Germany
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CSQ | XTRA (XETRA Trading Platform) | Yes | Ordinary Shares | DE | EUR | Jul 2018 |
| CSQ | DB (Deutsche Boerse AG) | Yes | Ordinary Shares | DE | EUR | Jul 2018 |
Biography
creditshelf Aktiengesellschaft operates as a digital SME financing company in Germany. It provides online corporates loans to entrepreneurs, medium-sized companies, institutional investors, and cooperation...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/01/21 18:43 |
| End of Day Share Price | 2021/01/21 00:00 |
| Earnings | 2020/09/30 |
| Annual Earnings | 2019/12/31 |
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.