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Creditshelf AG (XTER:CSQ) PB Ratio : 8.58 (As of May. 26, 2024)


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What is Creditshelf AG PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-05-26), Creditshelf AG's share price is €2.30. Creditshelf AG's Book Value per Share for the quarter that ended in Sep. 2023 was €0.27. Hence, Creditshelf AG's PB Ratio of today is 8.58.

Good Sign:

Creditshelf AG stock PB Ratio (=0.13) is close to 10-year low of 0.13

The historical rank and industry rank for Creditshelf AG's PB Ratio or its related term are showing as below:

XTER:CSQ' s PB Ratio Range Over the Past 10 Years
Min: 0.13   Med: 12.99   Max: 41.27
Current: 0.13

During the past 9 years, Creditshelf AG's highest PB Ratio was 41.27. The lowest was 0.13. And the median was 12.99.

XTER:CSQ's PB Ratio is ranked better than
65.11% of 513 companies
in the Credit Services industry
Industry Median: 0.99 vs XTER:CSQ: 0.13

During the past 12 months, Creditshelf AG's average Book Value Per Share Growth Rate was -86.20% per year. During the past 3 years, the average Book Value Per Share Growth Rate was -44.60% per year. During the past 5 years, the average Book Value Per Share Growth Rate was -13.90% per year.

During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Creditshelf AG was 252.10% per year. The lowest was -45.30% per year. And the median was 48.40% per year.

Back to Basics: PB Ratio


Creditshelf AG PB Ratio Historical Data

The historical data trend for Creditshelf AG's PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Creditshelf AG PB Ratio Chart

Creditshelf AG Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
PB Ratio
Get a 7-Day Free Trial Premium Member Only 7.58 8.31 15.01 25.73 23.89

Creditshelf AG Quarterly Data
Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.85 23.89 28.37 33.91 16.64

Competitive Comparison of Creditshelf AG's PB Ratio

For the Credit Services subindustry, Creditshelf AG's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Creditshelf AG's PB Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Creditshelf AG's PB Ratio distribution charts can be found below:

* The bar in red indicates where Creditshelf AG's PB Ratio falls into.



Creditshelf AG PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Creditshelf AG's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Sep. 2023)
=2.30/0.268
=8.58

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


Creditshelf AG  (XTER:CSQ) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Creditshelf AG PB Ratio Related Terms

Thank you for viewing the detailed overview of Creditshelf AG's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Creditshelf AG (XTER:CSQ) Business Description

Traded in Other Exchanges
Address
Mainzer Landstrasse 33a, Frankfurt, DEU, 60329
Creditshelf AG is the platform for digital SME finance in Germany. It arranges flexible financial solutions that are not tied to specific banks for small and medium-sized enterprises via its online platform, www.creditshelf.com. The company has successfully developed an online credit marketplace platform whose processes are supported by the proprietary, data-driven risk analysis software. The creditshelf platform models the entire credit process, from the loan application through credit analysis and risk management down to loan disbursement and loan servicing. The product offering, which is targeted at German SMEs and growth companies, comprises corporate loans. The business generates revenue from Borrower fees, Investor fees and Servicing and advisory fees.
Executives
Rolf Elgeti Supervisory Board
Dr. Daniel Bartsch Board of Directors
Fabian Brügmann Chief Financial Officer

Creditshelf AG (XTER:CSQ) Headlines

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