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CREDIT SUISSE AG (GLDI) financial health, profit and balance sheet · Scorvest

GLDI · Nasdaq · United States · Security Brokers, Dealers & Flotation Companies

CREDIT SUISSE AG

Zurich, Switzerland · Fiscal year ends in December · Figures in CHF

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In shortCREDIT SUISSE AG is loss-making.

Financial health

Weak

Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.

How is this score calculated? →

Profitability0

Operating marginShare of each sale left after running the business, before interest and tax.	–	n/a
Net marginShare of each sale left as profit after every cost, interest and tax.	-20.3%	0/100
Return on equityProfit earned on the money shareholders put in. Above 15% is strong.	-9.4%	0/100

Weight in the score: 25%

Balance sheet54
Equity / assets 8.3% 54/100
Weight in the score: 25%

Equity / assets	8.3%	54/100

Cash generation–

Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt.	159.4%	n/a
Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy.	–	n/a
Years with positive free cash flow (last 5)	4 of 5	n/a

Weight in the score: 20%

Stability33
Profitable years (last 5) 2 of 5 40/100
Years of revenue decline (last 5) 2 of 5 33/100
Revenue growth volatility 23.3% 25/100
Operating margin volatility – n/a
Weight in the score: 20%
Growth0
Revenue growth, 3-year average -4.3% 0/100
EPS growth, 3-year average – n/a
Weight in the score: 10%

Profitable years (last 5)	2 of 5	40/100
Years of revenue decline (last 5)	2 of 5	33/100
Revenue growth volatility	23.3%	25/100
Operating margin volatility	–	n/a

Revenue growth, 3-year average	-4.3%	0/100
EPS growth, 3-year average	–	n/a

Fiscal year 2023 · change vs prior year

Revenue: CHF 19.9B; ▲ 30.7%
Net income: −CHF 4.0B; ▲ 44.4%
Total assets: CHF 452.5B; ▼ 14.6%
Operating margin: –; –
Cash & investments: CHF 125.0B; –
Total debt: CHF 176.1B; ▲ 6.6%
Diluted EPS: –; –
Return on equity: −9.4%; –

Trends

Annual figures as reported. Hover a bar or point for the exact value.

1 older year available with the 10-year history. Essential plan, from €8.25/month →

Revenue and net income

RevenueNet income

Margins

Statements

The last 5 fiscal years from the company's annual reports.

CHF millions; negative values in parentheses.

Fiscal year	FY18	FY19	FY21	FY22	FY23
Revenue	20,820	22,686	23,042	15,213	19,890
Selling, general & admin	7,068	7,588	8,581	9,338	10,808
Interest expense	12,498	13,131	3,668	6,868	13,632
Pre-tax income	2,856	4,393	(91)	(3,331)	(3,260)
Income tax	1,134	1,298	938	3,973	854
Net income	1,729	3,081	(929)	(7,273)	(4,041)

1 older year available with the 10-year history. Essential plan, from €8.25/month →

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Risk checks

Altman Z'' score

Not computed: the model does not apply to banks and insurers.

Piotroski F-score

Not computed: it needs two consecutive complete years.

Sources

20-FPeriod ending Dec 31, 2023Filed Mar 28, 2024Open the report ↗
20-FPeriod ending Dec 31, 2022Filed Mar 14, 2023Open the report ↗

All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works

Latest annual report: Dec 31, 2023 · Data updated Mar 28, 2024