Crealogix Holding AG Logo

Crealogix Holding AG

CLXN.SW

(0.2)
Stock Price

59,50 CHF

-5.1% ROA

-10.66% ROE

-35.8x PER

Market Cap.

83.200.457,00 CHF

170.9% DER

0% Yield

-5.91% NPM

Crealogix Holding AG Stock Analysis

Crealogix Holding AG Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Crealogix Holding AG Fundamental Stock Analysis
# Analysis Rating
1 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

2 ROE

The stock's ROE indicates a negative return (-51.21%) on shareholders' equity, suggesting poor financial performance.

3 ROA

The stock's ROA (-31.63%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

4 PBV

The stock's elevated P/BV ratio (3.65x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

5 DER

The company has a high debt to equity ratio (115%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

6 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

7 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

8 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

10 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

11 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock seems overpriced (-444), indicating a potential drawback for investors as its market price exceeds its estimated intrinsic value.

Crealogix Holding AG Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Crealogix Holding AG Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Crealogix Holding AG Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Crealogix Holding AG Revenue
Year Revenue Growth
2001 20.635.263
2002 23.584.679 12.51%
2003 18.500.414 -27.48%
2004 51.014.353 63.73%
2005 63.307.000 19.42%
2006 60.741.000 -4.22%
2007 62.851.596 3.36%
2008 56.298.000 -11.64%
2009 52.495.000 -7.24%
2010 52.843.000 0.66%
2011 49.536.000 -6.68%
2012 49.273.000 -0.53%
2013 50.113.000 1.68%
2014 49.307.000 -1.63%
2015 63.317.000 22.13%
2016 74.858.000 15.42%
2017 87.144.000 14.1%
2018 101.913.000 14.49%
2019 103.659.000 1.68%
2020 103.659.000 0%
2020 109.263.000 5.13%
2021 94.020.000 -16.21%
2022 81.396.000 -15.51%
2023 79.584.000 -2.28%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Crealogix Holding AG Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Crealogix Holding AG General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 4.701.114 100%
2005 1.371.000 -242.9%
2006 1.708.000 19.73%
2007 3.447.865 50.46%
2008 4.633.000 25.58%
2009 4.743.000 2.32%
2010 4.178.000 -13.52%
2011 1.985.000 -110.48%
2012 2.165.000 8.31%
2013 2.945.000 26.49%
2014 2.626.000 -12.15%
2015 3.217.000 18.37%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 8.119.000 100%
2020 0 0%
2021 0 0%
2022 0 0%
2023 11.584.000 100%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Crealogix Holding AG EBITDA
Year EBITDA Growth
2001 2.575.918
2002 2.239.448 -15.02%
2003 2.159.680 -3.69%
2004 14.922.800 85.53%
2005 8.953.910 -66.66%
2006 6.481.390 -38.15%
2007 3.950.065 -64.08%
2008 6.572.000 39.9%
2009 5.744.000 -14.42%
2010 6.827.000 15.86%
2011 5.321.000 -28.3%
2012 4.281.000 -24.29%
2013 828.000 -417.03%
2014 -11.325.000 107.31%
2015 4.053.000 379.42%
2016 7.023.000 42.29%
2017 6.881.000 -2.06%
2018 1.320.000 -421.29%
2019 -4.975.000 126.53%
2020 -4.659.000 -6.78%
2020 3.572.000 230.43%
2021 -8.672.000 141.19%
2022 8.591.000 200.94%
2023 -15.864.000 154.15%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Crealogix Holding AG Gross Profit
Year Gross Profit Growth
2001 19.561.995
2002 20.355.003 3.9%
2003 16.604.533 -22.59%
2004 39.922.694 58.41%
2005 48.822.000 18.23%
2006 45.646.000 -6.96%
2007 62.851.596 27.37%
2008 45.207.000 -39.03%
2009 43.615.000 -3.65%
2010 44.460.000 1.9%
2011 40.314.000 -10.28%
2012 38.994.000 -3.39%
2013 41.436.000 5.89%
2014 36.486.000 -13.57%
2015 51.326.000 28.91%
2016 59.548.000 13.81%
2017 66.896.000 10.98%
2018 76.622.000 12.69%
2019 78.598.000 2.51%
2020 78.598.000 0%
2020 12.508.000 -528.38%
2021 1.776.000 -604.28%
2022 10.932.000 83.75%
2023 11.756.000 7.01%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Crealogix Holding AG Net Profit
Year Net Profit Growth
2001 1.070.855
2002 1.075.788 0.46%
2003 779.295 -38.05%
2004 3.309.908 76.46%
2005 4.280.300 22.67%
2006 3.966.900 -7.9%
2007 -2.658.086 249.24%
2008 2.214.000 220.06%
2009 3.199.000 30.79%
2010 4.692.000 31.82%
2011 3.146.000 -49.14%
2012 2.552.000 -23.28%
2013 -232.000 1200%
2014 -10.274.000 97.74%
2015 -883.000 -1063.53%
2016 1.049.000 184.18%
2017 17.000 -6070.59%
2018 -6.397.000 100.27%
2019 -12.129.000 47.26%
2020 -12.129.000 0%
2020 -4.054.000 -199.19%
2021 -16.947.000 76.08%
2022 24.000 70712.5%
2023 -1.508.000 101.59%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Crealogix Holding AG Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 1
2002 1 0%
2003 1 0%
2004 3 100%
2005 4 25%
2006 4 -33.33%
2007 -3 250%
2008 2 200%
2009 3 33.33%
2010 4 25%
2011 3 -100%
2012 2 0%
2013 0 0%
2014 -10 100%
2015 -1 0%
2016 1 0%
2017 0 0%
2018 -5 100%
2019 -9 50%
2020 -9 0%
2020 -3 -300%
2021 -12 83.33%
2022 0 0%
2023 -1 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Crealogix Holding AG Free Cashflow
Year Free Cashflow Growth
2001 -330.393
2002 -2.281.691 85.52%
2003 -10.066.839 77.33%
2004 -3.944.831 -155.19%
2005 2.564.190 253.84%
2006 6.188.670 58.57%
2007 7.874.392 21.41%
2008 11.543.000 31.78%
2009 3.461.000 -233.52%
2010 7.335.000 52.82%
2011 7.006.000 -4.7%
2012 -676.000 1136.39%
2013 4.347.000 115.55%
2014 -5.799.000 174.96%
2015 500.000 1259.8%
2016 6.951.000 92.81%
2017 1.395.000 -398.28%
2018 -2.602.000 153.61%
2019 6.915.000 137.63%
2020 -7.132.000 196.96%
2021 -22.338.000 68.07%
2022 -6.927.000 -222.48%
2023 -4.106.999 -68.66%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Crealogix Holding AG Operating Cashflow
Year Operating Cashflow Growth
2001 1.921.655
2002 -917.899 309.35%
2003 -9.247.872 90.07%
2004 -2.370.618 -290.1%
2005 3.542.500 166.92%
2006 7.602.350 53.4%
2007 10.211.773 25.55%
2008 13.576.000 24.78%
2009 4.134.000 -228.4%
2010 8.292.000 50.14%
2011 8.143.000 -1.83%
2012 715.000 -1038.88%
2013 5.258.000 86.4%
2014 -4.681.000 212.33%
2015 1.142.000 509.89%
2016 7.846.000 85.44%
2017 2.512.000 -212.34%
2018 40.000 -6180%
2019 8.239.000 99.51%
2020 642.000 -1183.33%
2021 -12.969.000 104.95%
2022 -5.476.000 -136.83%
2023 -4.067.999 -34.61%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Crealogix Holding AG Capital Expenditure
Year Capital Expenditure Growth
2001 2.252.048
2002 1.363.792 -65.13%
2003 818.967 -66.53%
2004 1.574.213 47.98%
2005 978.310 -60.91%
2006 1.413.680 30.8%
2007 2.337.381 39.52%
2008 2.033.000 -14.97%
2009 673.000 -202.08%
2010 957.000 29.68%
2011 1.137.000 15.83%
2012 1.391.000 18.26%
2013 911.000 -52.69%
2014 1.118.000 18.52%
2015 642.000 -74.14%
2016 895.000 28.27%
2017 1.117.000 19.87%
2018 2.642.000 57.72%
2019 1.324.000 -99.55%
2020 7.774.000 82.97%
2021 9.369.000 17.02%
2022 1.451.000 -545.69%
2023 39.000 -3620.51%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Crealogix Holding AG Equity
Year Equity Growth
2001 57.519.217
2002 57.666.011 0.25%
2003 58.155.491 0.84%
2004 219.903 -26345.97%
2005 67.220.280 99.67%
2006 69.849.210 3.76%
2007 66.043.212 -5.76%
2008 66.831.000 1.18%
2009 54.501.000 -22.62%
2010 57.085.000 4.53%
2011 38.000.000 -50.22%
2012 36.587.000 -3.86%
2013 34.722.000 -5.37%
2014 26.682.000 -30.13%
2015 25.102.000 -6.29%
2016 29.515.000 14.95%
2017 71.053.000 58.46%
2018 59.249.000 -19.92%
2019 45.701.000 -29.64%
2020 44.070.000 -3.7%
2021 22.316.000 -97.48%
2022 22.446.000 0.58%
2023 21.706.000 -3.41%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Crealogix Holding AG Assets
Year Assets Growth
2001 62.149.135
2002 63.458.526 2.06%
2003 62.263.352 -1.92%
2004 83.621.671 25.54%
2005 102.743.520 18.61%
2006 92.094.510 -11.56%
2007 84.668.875 -8.77%
2008 81.838.000 -3.46%
2009 67.982.000 -20.38%
2010 69.385.000 2.02%
2011 53.284.000 -30.22%
2012 49.959.000 -6.66%
2013 51.439.000 2.88%
2014 48.588.000 -5.87%
2015 77.185.000 37.05%
2016 78.925.000 2.2%
2017 112.082.000 29.58%
2018 104.825.000 -6.92%
2019 114.581.000 8.51%
2020 115.888.000 1.13%
2021 98.546.000 -17.6%
2022 78.265.000 -25.91%
2023 84.037.000 6.87%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Crealogix Holding AG Liabilities
Year Liabilities Growth
2001 4.629.917
2002 5.792.514 20.07%
2003 4.107.861 -41.01%
2004 22.061.896 81.38%
2005 35.522.770 37.89%
2006 22.245.760 -59.68%
2007 18.625.662 -19.44%
2008 15.007.000 -24.11%
2009 13.481.000 -11.32%
2010 12.300.000 -9.6%
2011 15.284.000 19.52%
2012 13.372.000 -14.3%
2013 16.717.000 20.01%
2014 21.906.000 23.69%
2015 52.083.000 57.94%
2016 49.410.000 -5.41%
2017 41.029.000 -20.43%
2018 45.576.000 9.98%
2019 68.880.000 33.83%
2020 71.818.000 4.09%
2021 76.230.000 5.79%
2022 55.819.000 -36.57%
2023 62.331.000 10.45%

Crealogix Holding AG Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
28.12
Net Income per Share
-1.66
Price to Earning Ratio
-35.8x
Price To Sales Ratio
2.11x
POCF Ratio
-22.85
PFCF Ratio
-22.21
Price to Book Ratio
3.88
EV to Sales
2.88
EV Over EBITDA
-252.32
EV to Operating CashFlow
-31.06
EV to FreeCashFlow
-30.27
Earnings Yield
-0.03
FreeCashFlow Yield
-0.05
Market Cap
0,08 Bil.
Enterprise Value
0,11 Bil.
Graham Number
23.93
Graham NetNet
-28.66

Income Statement Metrics

Net Income per Share
-1.66
Income Quality
1.57
ROE
-0.11
Return On Assets
-0.03
Return On Capital Employed
-0.07
Net Income per EBT
1.02
EBT Per Ebit
0.68
Ebit per Revenue
-0.08
Effective Tax Rate
-0.08

Margins

Sales, General, & Administrative to Revenue
0.09
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.13
Operating Profit Margin
-0.08
Pretax Profit Margin
-0.06
Net Profit Margin
-0.06

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
-2.6
Free CashFlow per Share
-2.67
Capex to Operating CashFlow
-0.03
Capex to Revenue
0
Capex to Depreciation
0.03
Return on Invested Capital
-0.06
Return on Tangible Assets
-0.05
Days Sales Outstanding
167.72
Days Payables Outstanding
21.37
Days of Inventory on Hand
43.74
Receivables Turnover
2.18
Payables Turnover
17.08
Inventory Turnover
8.34
Capex per Share
0.07

Balance Sheet

Cash per Share
4,64
Book Value per Share
15,48
Tangible Book Value per Share
-11.86
Shareholders Equity per Share
15.32
Interest Debt per Share
26.8
Debt to Equity
1.71
Debt to Assets
0.44
Net Debt to EBITDA
-67.22
Current Ratio
0.9
Tangible Asset Value
-0,02 Bil.
Net Current Asset Value
-0,03 Bil.
Invested Capital
37745000
Working Capital
0,00 Bil.
Intangibles to Total Assets
0.46
Average Receivables
0,02 Bil.
Average Payables
0,00 Bil.
Average Inventory
4598999.5
Debt to Market Cap
0.44

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Crealogix Holding AG Dividends
Year Dividends Growth
2011 17
2012 2 -750%
2013 2 0%
2014 2 0%
2018 0 0%

Crealogix Holding AG Profile

About Crealogix Holding AG

Crealogix Holding AG, a fintech company, develops and sells banking software solutions in Switzerland, rest of Europe, and internationally. It offers solutions for wealth management, retail banking, corporate banking, and SME banking. It serves retail and corporate banks, as well as the wealth management sector. The company was founded in 1996 and is headquartered in Zurich, Switzerland.

CEO
Sue Sampson Laws
Employee
365
Address
Maneggstrasse 17
Zurich, 8041

Crealogix Holding AG Executives & BODs

Crealogix Holding AG Executives & BODs
# Name Age
1 Arkadiusz W. Kucharski
Group Chief Information Officer
70
2 Dr. Giorgio Marco Di Buzzi
Chief Executive Officer of Crealogix Digital Payment
70
3 Ms. Corinna de Maddalena
Vice President of Group Human Resources
70
4 Mr. Almir Marghella
Head of Digital Banking Germany
70
5 Ralf Stattkus
Head of CMS - Sales & Customer Engagement
70
6 Yannick Decaumont
Managing Director of Mediterranean & Middle East
70
7 Martin Schultheiß
Head of CMS - Operations
70
8 Sue Sampson Laws
Interim Chief Executive Officer
70
9 Mr. Nathan Partington
Interim Chief Financial Officer & Director
70

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