XTRA:CSQ

Stock Analysis Report

Executive Summary

creditshelf Aktiengesellschaft operates an online credit marketplace lending platform for small- and medium-sized enterprises in Germany.

Snowflake

Fundamentals

High growth potential with excellent balance sheet.

Risks

  • creditshelf is covered by less than 3 analysts.

Share Price & News

How has creditshelf's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-9.1%

XTRA:CSQ

-2.3%

DE Diversified Financial

-1.5%

DE Market


1 Year Return

-24.1%

XTRA:CSQ

-13.9%

DE Diversified Financial

-10.4%

DE Market

CSQ underperformed the Diversified Financial industry which returned -13.9% over the past year.

CSQ underperformed the Market in Germany which returned -10.4% over the past year.


Share holder returns

CSQIndustryMarket
7 Day-9.1%-2.3%-1.5%
30 Day-7.0%-13.5%-4.6%
90 Day-10.4%-6.5%-4.6%
1 Year-24.1%-24.1%-13.3%-13.9%-7.6%-10.4%
3 Yearn/a52.2%48.7%9.4%0.03%
5 Yearn/a262.8%249.6%25.6%8.1%

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

Valuation

Is creditshelf undervalued based on future cash flows and its price relative to the stock market?

7.53x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for creditshelf to establish if it is available at moderate discount.

Unable to calculate intrinsic value for creditshelf to establish if it is available at substantial discount.


Price Based on Earnings

creditshelf is loss making, we can't compare its value to the DE Diversified Financial industry average.

creditshelf is loss making, we can't compare the value of its earnings to the Germany market.


Price Based on Expected Growth

Unable to calculate PEG ratio for creditshelf, we can't assess if its growth is good value.


Price Based on Value of Assets

creditshelf is overvalued based on assets compared to the DE Diversified Financial industry average.


Next Steps

Future Growth

How is creditshelf expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

139.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

creditshelf's revenue is expected to grow significantly at over 20% yearly.

creditshelf's earnings are expected to grow significantly at over 20% yearly.

creditshelf's revenue growth is expected to exceed the Germany market average.

creditshelf's earnings growth is expected to exceed the Germany market average.

creditshelf's earnings growth is expected to exceed the low risk savings rate of 0.2%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if creditshelf will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has creditshelf performed over the past 5 years?

-64.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

creditshelf does not make a profit and their year on year earnings growth rate was negative over the past 5 years.

Unable to compare creditshelf's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare creditshelf's 1-year growth to the DE Diversified Financial industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if creditshelf 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 creditshelf has efficiently used its assets last year compared to the DE Diversified Financial industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if creditshelf improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is creditshelf's financial position?


Financial Position Analysis

creditshelf is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

creditshelf's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

creditshelf's level of debt (1%) compared to net worth is satisfactory (less than 40%).

Unable to establish if creditshelf's debt level has increased without past 5-year debt data.


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 99.7x 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.

creditshelf has sufficient cash runway for 1.4 years based on current free cash flow.

creditshelf has sufficient cash runway for 1.2 years if free cash flow continues to grow at historical rates of 102.6% each year.


Next Steps

Dividend

What is creditshelf's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate creditshelf's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate creditshelf's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as creditshelf has not reported any payouts.

Unable to verify if creditshelf's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as creditshelf 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.


Next Steps

Management

What is the CEO of creditshelf's salary, the management and board of directors tenure and is there insider trading?


CEO

creditshelf has no CEO, or we have no data on them.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Gregor Heinrich

    Chief Technology Officer

    • Tenure: 0.6yrs
  • Tim Thabe

    Co-Founder & MD

    • Tenure: 0.0yrs
  • Lukas Lang

    Head of Sales

    • Tenure: 0.0yrs
  • Daniel Bartsch

    Founding Partner & Member of Management Board

    • Tenure: 0.0yrs
  • Mark Währisch

    MD, Member of Management Board & Chief Risk Officer

    • Tenure: 0.0yrs
  • Fabian Brügmann

    Chief Financial Officer

    • Tenure: 0.6yrs
  • Birgit Hass

    Marketing & Communication Manager

    • Tenure: 0.0yrs

Board Members

  • Rolf Elgeti (43yo)

    Chairman of the Supervisory Board

    • Tenure: 0.0yrs

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: €79.875m
  • Shares outstanding: 1.33m
  • Website: https://www.creditshelf.com

Number of Employees


Location

  • creditshelf Aktiengesellschaft
  • Mainzer Landstrasse 33a
  • Frankfurt
  • Hessen
  • 60329
  • Germany

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CSQXTRA (XETRA Trading Platform)YesOrdinary SharesDEEURJul 2018
CSQDB (Deutsche Boerse AG)YesOrdinary SharesDEEURJul 2018

Biography

creditshelf Aktiengesellschaft operates an online credit marketplace lending platform for small- and medium-sized enterprises in Germany. Its marketplace connects loan investors with loan borrowers. The co ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/18 22:23
End of Day Share Price2019/08/16 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


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.