Credit Suisse Group AG Logo

Credit Suisse Group AG

CSGN.SW

(1.2)
Stock Price

0,82 CHF

-1.03% ROA

-12.3% ROE

-0.46x PER

Market Cap.

3.224.617.274,00 CHF

381.28% DER

0% Yield

-84.45% NPM

Credit Suisse Group AG Stock Analysis

Credit Suisse Group 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.

Credit Suisse Group AG Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.06x), the stock offers substantial upside potential at a bargain price.

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

4 ROE

The stock's ROE indicates a negative return (-16.36%) on shareholders' equity, suggesting poor financial performance.

5 ROA

The stock's ROA (-1.38%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

6 DER

The company has a high debt to equity ratio (381%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

7 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.

8 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

9 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

11 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock seems overpriced (-3), indicating a potential drawback for investors as its market price exceeds its estimated intrinsic value.

Credit Suisse Group 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.

Credit Suisse Group AG Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Credit Suisse Group 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.

Credit Suisse Group AG Revenue
Year Revenue Growth
2000 66.761.973.500
2001 75.664.155.120 11.77%
2002 70.656.113.320 -7.09%
2003 51.474.706.400 -37.26%
2004 53.940.686.800 4.57%
2005 60.774.282.000 11.24%
2006 36.185.000.000 -67.95%
2007 36.868.000.000 1.85%
2008 9.750.000.000 -278.13%
2009 31.676.000.000 69.22%
2010 29.205.000.000 -8.46%
2011 24.132.000.000 -21.02%
2012 21.583.000.000 -11.81%
2013 23.837.000.000 9.46%
2014 24.037.000.000 0.83%
2015 21.766.000.000 -10.43%
2016 17.741.000.000 -22.69%
2017 19.242.000.000 7.8%
2018 19.297.000.000 0.29%
2019 20.471.000.000 5.73%
2020 21.133.000.000 3.13%
2021 15.987.000.000 -32.19%
2022 11.780.000.000 -35.71%

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.

Credit Suisse Group AG Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 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%
2021 0 0%
2022 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.

Credit Suisse Group AG General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 41.386.440.300
2001 51.793.836.540 20.09%
2002 45.743.461.110 -13.23%
2003 33.905.895.920 -34.91%
2004 32.917.346.000 -3%
2005 37.628.007.000 12.52%
2006 18.220.000.000 -106.52%
2007 18.831.000.000 3.24%
2008 15.911.000.000 -18.35%
2009 18.183.000.000 12.5%
2010 17.895.000.000 -1.61%
2011 16.645.000.000 -7.51%
2012 15.948.000.000 -4.37%
2013 14.544.000.000 -9.65%
2014 14.503.000.000 -0.28%
2015 14.680.000.000 1.21%
2016 13.337.000.000 -10.07%
2017 12.859.000.000 -3.72%
2018 12.217.000.000 -5.25%
2019 11.369.000.000 -7.46%
2020 16.413.000.000 30.73%
2021 10.099.000.000 -62.52%
2022 15.088.000.000 33.07%

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.

Credit Suisse Group AG EBITDA
Year EBITDA Growth
2000 38.994.749.400
2001 41.487.937.050 6.01%
2002 21.007.739.460 -97.49%
2003 22.197.073.080 5.36%
2004 28.063.789.600 20.9%
2005 38.166.660.000 26.47%
2006 58.448.000.000 34.7%
2007 64.013.000.000 8.69%
2008 27.763.000.000 -130.57%
2009 28.070.000.000 1.09%
2010 26.804.000.000 -4.72%
2011 20.389.000.000 -31.46%
2012 18.094.000.000 -12.68%
2013 16.388.000.000 -10.41%
2014 14.592.000.000 -12.31%
2015 12.510.000.000 -16.64%
2016 8.480.000.000 -47.52%
2017 13.152.000.000 35.52%
2018 16.925.000.000 22.29%
2019 5.989.000.000 -182.6%
2020 4.826.000.000 -24.1%
2021 2.417.000.000 -99.67%
2022 5.676.000.000 57.42%

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.

Credit Suisse Group AG Gross Profit
Year Gross Profit Growth
2000 66.761.973.500
2001 75.664.155.120 11.77%
2002 70.656.113.320 -7.09%
2003 51.474.706.400 -37.26%
2004 53.940.686.800 4.57%
2005 60.774.282.000 11.24%
2006 36.185.000.000 -67.95%
2007 36.868.000.000 1.85%
2008 9.750.000.000 -278.13%
2009 31.676.000.000 69.22%
2010 29.205.000.000 -8.46%
2011 24.132.000.000 -21.02%
2012 21.583.000.000 -11.81%
2013 23.837.000.000 9.46%
2014 24.037.000.000 0.83%
2015 21.766.000.000 -10.43%
2016 17.741.000.000 -22.69%
2017 19.242.000.000 7.8%
2018 19.297.000.000 0.29%
2019 20.471.000.000 5.73%
2020 21.133.000.000 3.13%
2021 15.987.000.000 -32.19%
2022 11.780.000.000 -35.71%

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.

Credit Suisse Group AG Net Profit
Year Net Profit Growth
2000 4.495.538.000
2001 1.592.684.580 -182.26%
2002 -3.311.918.920 148.09%
2003 770.757.520 529.7%
2004 5.620.507.200 86.29%
2005 5.863.284.000 4.14%
2006 11.327.000.000 48.24%
2007 7.760.000.000 -45.97%
2008 -8.218.000.000 194.43%
2009 6.724.000.000 222.22%
2010 5.098.000.000 -31.89%
2011 1.953.000.000 -161.03%
2012 1.349.000.000 -44.77%
2013 2.326.000.000 42%
2014 1.875.000.000 -24.05%
2015 -2.944.000.000 163.69%
2016 -2.710.000.000 -8.63%
2017 -983.000.000 -175.69%
2018 2.024.000.000 148.57%
2019 3.419.000.000 40.8%
2020 2.669.000.000 -28.1%
2021 -1.626.000.000 264.15%
2022 -5.588.000.000 70.9%

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.

Credit Suisse Group AG Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 4
2001 1 -200%
2002 -3 150%
2003 1 0%
2004 4 100%
2005 5 0%
2006 9 55.56%
2007 7 -50%
2008 -7 185.71%
2009 5 240%
2010 4 -66.67%
2011 1 -200%
2012 1 0%
2013 1 100%
2014 1 0%
2015 -2 200%
2016 -1 0%
2017 0 0%
2018 1 0%
2019 1 100%
2020 1 0%
2021 -1 0%
2022 -2 100%

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.

Credit Suisse Group AG Free Cashflow
Year Free Cashflow Growth
2000 -54.083.909.500
2001 4.251.038.070 1372.25%
2002 55.867.206.590 92.39%
2003 -12.172.268.680 558.97%
2004 -48.254.082.800 74.77%
2005 -22.112.430.000 -118.22%
2006 -50.075.000.000 55.84%
2007 -59.443.000.000 15.76%
2008 128.398.000.000 146.3%
2009 -15.573.000.000 924.49%
2010 6.539.000.000 338.16%
2011 36.891.000.000 82.27%
2012 -13.916.000.000 365.1%
2013 21.171.000.000 165.73%
2014 -18.676.000.000 213.36%
2015 13.966.000.000 233.72%
2016 25.611.000.000 45.47%
2017 -9.610.000.000 366.5%
2018 11.665.000.000 182.38%
2019 -19.717.000.000 159.16%
2020 -7.702.000.000 -156%
2021 35.519.000.000 121.68%
2022 8.120.000.000 -337.43%

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.

Credit Suisse Group AG Operating Cashflow
Year Operating Cashflow Growth
2000 -50.204.486.600
2001 4.385.701.380 1244.73%
2002 57.545.282.370 92.38%
2003 -11.289.986.760 609.7%
2004 -47.261.491.200 76.11%
2005 -21.027.222.000 -124.76%
2006 -48.545.000.000 56.69%
2007 -57.893.000.000 16.15%
2008 129.871.000.000 144.58%
2009 -14.186.000.000 1015.49%
2010 8.228.000.000 272.41%
2011 38.630.000.000 78.7%
2012 -12.674.000.000 404.8%
2013 22.074.000.000 157.42%
2014 -17.620.000.000 225.28%
2015 15.068.000.000 216.94%
2016 26.775.000.000 43.72%
2017 -8.542.000.000 413.45%
2018 12.760.000.000 166.94%
2019 -18.424.000.000 169.26%
2020 -6.514.000.000 -182.84%
2021 36.938.000.000 117.63%
2022 8.463.000.000 -336.46%

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.

Credit Suisse Group AG Capital Expenditure
Year Capital Expenditure Growth
2000 3.879.422.900
2001 134.663.310 -2780.83%
2002 1.678.075.780 91.98%
2003 882.281.920 -90.2%
2004 992.591.600 11.11%
2005 1.085.208.000 8.53%
2006 1.530.000.000 29.07%
2007 1.550.000.000 1.29%
2008 1.473.000.000 -5.23%
2009 1.387.000.000 -6.2%
2010 1.689.000.000 17.88%
2011 1.739.000.000 2.88%
2012 1.242.000.000 -40.02%
2013 903.000.000 -37.54%
2014 1.056.000.000 14.49%
2015 1.102.000.000 4.17%
2016 1.164.000.000 5.33%
2017 1.068.000.000 -8.99%
2018 1.095.000.000 2.47%
2019 1.293.000.000 15.31%
2020 1.188.000.000 -8.84%
2021 1.419.000.000 16.28%
2022 343.000.000 -313.7%

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.

Credit Suisse Group AG Equity
Year Equity Growth
2000 50.628.166.800
2001 39.050.697.390 -29.65%
2002 28.541.110.960 -36.82%
2003 33.970.332.240 15.98%
2004 36.223.325.600 6.22%
2005 42.217.752.000 14.2%
2006 43.586.000.000 3.14%
2007 43.199.000.000 -0.9%
2008 32.302.000.000 -33.73%
2009 37.517.000.000 13.9%
2010 33.282.000.000 -12.72%
2011 33.674.000.000 1.16%
2012 35.498.000.000 5.14%
2013 42.164.000.000 15.81%
2014 43.959.000.000 4.08%
2015 44.382.000.000 0.95%
2016 41.897.000.000 -5.93%
2017 41.902.000.000 0.01%
2018 43.922.000.000 4.6%
2019 43.714.000.000 -0.48%
2020 42.941.000.000 -1.8%
2021 44.230.000.000 2.91%
2022 45.331.000.000 2.43%

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.

Credit Suisse Group AG Assets
Year Assets Growth
2000 1.059.522.302.900
2001 1.025.913.308.370 -3.28%
2002 956.518.399.570 -7.25%
2003 1.003.687.381.840 4.7%
2004 1.087.994.353.600 7.75%
2005 1.342.223.184.000 18.94%
2006 1.255.956.000.000 -6.87%
2007 1.360.680.000.000 7.7%
2008 1.170.350.000.000 -16.26%
2009 1.031.427.000.000 -13.47%
2010 1.032.005.000.000 0.06%
2011 1.049.165.000.000 1.64%
2012 924.280.000.000 -13.51%
2013 872.806.000.000 -5.9%
2014 921.462.000.000 5.28%
2015 820.805.000.000 -12.26%
2016 819.861.000.000 -0.12%
2017 796.289.000.000 -2.96%
2018 768.916.000.000 -3.56%
2019 787.295.000.000 2.33%
2020 805.822.000.000 2.3%
2021 755.833.000.000 -6.61%
2022 531.358.000.000 -42.25%

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.

Credit Suisse Group AG Liabilities
Year Liabilities Growth
2000 1.008.894.136.100
2001 986.862.610.980 -2.23%
2002 925.096.637.930 -6.68%
2003 966.761.653.000 4.31%
2004 1.045.601.233.600 7.54%
2005 1.292.140.308.000 19.08%
2006 1.212.370.000.000 -6.58%
2007 1.317.481.000.000 7.98%
2008 1.138.048.000.000 -15.77%
2009 983.099.000.000 -15.76%
2010 988.990.000.000 0.6%
2011 1.008.080.000.000 1.89%
2012 881.996.000.000 -14.3%
2013 825.640.000.000 -6.83%
2014 876.461.000.000 5.8%
2015 775.787.000.000 -12.98%
2016 777.550.000.000 0.23%
2017 754.100.000.000 -3.11%
2018 724.897.000.000 -4.03%
2019 743.581.000.000 2.51%
2020 762.881.000.000 2.53%
2021 711.603.000.000 -7.21%
2022 486.027.000.000 -46.41%

Credit Suisse Group AG Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.12
Net Income per Share
-1.79
Price to Earning Ratio
-0.46x
Price To Sales Ratio
0.5x
POCF Ratio
0.15
PFCF Ratio
0.2
Price to Book Ratio
0.06
EV to Sales
16.52
EV Over EBITDA
33.14
EV to Operating CashFlow
6.24
EV to FreeCashFlow
6.51
Earnings Yield
-2.19
FreeCashFlow Yield
5.06
Market Cap
3,22 Bil.
Enterprise Value
106,36 Bil.
Graham Number
24.45
Graham NetNet
-132.63

Income Statement Metrics

Net Income per Share
-1.79
Income Quality
-3.14
ROE
-0.12
Return On Assets
-0.01
Return On Capital Employed
0
Net Income per EBT
3.28
EBT Per Ebit
-0.74
Ebit per Revenue
0.35
Effective Tax Rate
-2.28

Margins

Sales, General, & Administrative to Revenue
0.93
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.04
Gross Profit Margin
1
Operating Profit Margin
0.35
Pretax Profit Margin
-0.26
Net Profit Margin
-0.84

Dividends

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

Operating Metrics

Operating Cashflow per Share
5.61
Free CashFlow per Share
5.37
Capex to Operating CashFlow
-0.04
Capex to Revenue
-0.11
Capex to Depreciation
-0.76
Return on Invested Capital
0.03
Return on Tangible Assets
-0.01
Days Sales Outstanding
929.85
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.39
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.24

Balance Sheet

Cash per Share
23,25
Book Value per Share
14,85
Tangible Book Value per Share
13.81
Shareholders Equity per Share
14.85
Interest Debt per Share
58.22
Debt to Equity
3.81
Debt to Assets
0.32
Net Debt to EBITDA
32.14
Current Ratio
3.54
Tangible Asset Value
41,97 Bil.
Net Current Asset Value
-401,56 Bil.
Invested Capital
3.81
Working Capital
60,61 Bil.
Intangibles to Total Assets
0.01
Average Receivables
14,99 Bil.
Average Payables
13,74 Bil.
Average Inventory
0
Debt to Market Cap
53.36

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.

Credit Suisse Group AG Dividends
Year Dividends Growth
1995 4
1996 4 25%
1997 4 0%
1998 5 20%
1999 5 0%
2000 7 28.57%
2003 0 0%
2005 2 100%
2006 2 50%
2007 2 0%
2008 3 0%
2009 0 0%
2010 2 100%
2011 1 -100%
2012 1 0%
2013 0 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Credit Suisse Group AG Profile

About Credit Suisse Group AG

Credit Suisse Group AG, together with its subsidiaries, provides various financial services in Switzerland, Europe, the Middle East, Africa, the Americas, and Asia Pacific. The company offers wealth management solutions, including investment advice and discretionary asset management services; risk management solutions, such as managed investment products; and wealth planning, succession planning, and trust services. It also provides financing and lending solutions, including consumer credit and real estate mortgage lending, real asset lending relating to ship, and aviation financing for UHNWI; standard and structured hedging, and lombard lending solutions, as well as collateral trading services; and investment banking solutions, such as global securities sales, trading and execution, capital raising, and advisory services. In addition, the company offers banking solutions, such as payments, accounts, debit and credit cards, and product bundles; asset management products; equity and debt underwriting, and advisory services; cash equities, equity derivatives, and convertibles, as well as prime services; and fixed income products, such as credit, securitized, macro, emerging markets, financing, structured credit, and other products. Further, it provides HOLT, a framework for assessing the performance of approximately 20,000 companies; and equity and fixed income research services. The company serves private and institutional clients; ultra-high-net-worth individuals, high-net-worth individuals, and affluent and retail clients; corporate clients, small and medium-sized enterprises, external asset managers, financial institutions, and commodity traders; and pension funds, hedge funds, governments, foundations and endowments, corporations, entrepreneurs, private individuals, financial sponsors, and sovereign clients. As of December 31, 2021, it operated through a network of 311 offices and branches. The company was founded in 1856 and is based in Zurich, Switzerland.

CEO
Dr. Ulrich Korner
Employee
48.150
Address
Paradeplatz 8
Zurich, 8001

Credit Suisse Group AG Executives & BODs

Credit Suisse Group AG Executives & BODs
# Name Age
1 Dr. Ulrich Korner
Group Chief Executive Officer & Member of the Executive Board
70
2 Mr. Dixit Joshi
Chief Financial Officer & Member of Management Board
70
3 Mr. Markus U. Diethelm
Group Gen. Counsel & Member of Executive Board
70
4 Ms. Christine Graeff
Global Head of People & Member of Executive Board
70
5 Mr. Andre Helfenstein
Chief Executive Officer of Swiss Universal Bank, CEO of Switzerland Region & Member of Executive Board
70
6 Mr. Edwin Yeung
Chief Executive Officer of APAC region, Co-Head of Investment Banking APAC & Member of Executive Board
70
7 Dr. Cheng Tee Low
Chief Executive Officer of Region Asia Pacific, Co-Head of Investment Bank APAC & Member of Executive Board
70
8 Mr. Francesco Alexander De Ferrari
Chief Executive Officer of Wealth Management Division, CEO of EMEA Region & Member of Executive Board
70
9 Mr. David Daniel Wildermuth
Chief Risk Officer & Member of the Executive Board
70
10 Mr. Michael S. Klein
Chief Executive Officer of Banking & CEO of the Americas
70
11 Ms. Joanne Hannaford
Chief Technology & Operations Officer and Member of the Executive Board
70

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