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Financial statements

CREDIT SUISSE AG financial statements

Income statement, balance sheet and cash flow statement for the last 6 fiscal years, taken from the XBRL data CREDIT SUISSE AG files with the SEC in its annual reports.

In CHF millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

FY2017FY2019FY2019FY2021FY2023FY2023
Revenue20,96520,82022,68623,04215,21319,890
Selling, general and administrative7,4137,0687,5888,5819,33810,808
Interest expense10,36912,49813,1313,6686,86813,632
Pre-tax income1,5532,8564,393-91-3,331-3,260
Income tax2,7811,1341,2989383,973854
Net income to minority interests27-714-100-31-73
Net income-1,2551,7293,081-929-7,273-4,041

Balance sheet

FY2017FY2019FY2019FY2021FY2023FY2023
Cash and equivalents109,51099,314101,044164,02667,746124,966
Property, plant and equipment4,5304,4124,1061,581
Lease right-of-use assets2,240
Goodwill4,0563,9602,868456
Intangible assets219291452322
Total assets772,069790,459530,039452,507
Short-term debt22,41928,86914,48947,637
Total liabilities726,075743,696481,563414,391
Total debt153,433151,000150,661128,484
Paid-in capital45,55745,77450,87951,232
Retained earnings10,17913,4927,6592,062
Other comprehensive income-14,840-17,546-15,067-20,039
Shareholders' equity45,29646,12047,87137,655
Minority interests698643605461
Total equity43,55045,99446,76348,08748,47638,116
Total liabilities and equity772,069790,459530,039452,507
Shares outstanding4,4004,4004,4004,400

Cash flow statement

FY2017FY2019FY2019FY2021FY2023FY2023
Net income-1,2281,7223,095-1,029-7,304-4,114
Depreciation and amortization8378441,1342,2271,5405,520
Stock-based compensation886745431
Deferred income tax2,2855926161643,772280
Cash from operations-8,47012,534-18,41836,89314,35932,014
Capital expenditures-950-989-1,133-1,254-1,254-301
Purchases of investments-630-1,230-718
Sales and maturities of investments3185671,00718422933
Cash from investing9,779-8,660-3,161-10,13960,39851,297
Debt issued43,56733,30834,91151,25462,69432,369
Debt repaid-62,644-43,858-46,290-52,964-49,644-41,071
Stock issued00
Share buybacks000
Dividends paid-13-15-11-11-571-3
Cash from financing-12,028-14,09023,904179-169,272-20,186
Exchange rate effect-1,114-1,765-5,905
Net change in cash-11,556-10,1961,73025,819-96,28057,220
Free cash flow-9,42011,545-19,55135,63913,10531,713
Interest paid9,68812,52413,0155,5187,56613,285
Income taxes paid531666706797653512

Key metrics

Worked out from the statements above. Latest values use fiscal 2023. No valuation: the share price is quoted in a different currency than the statements.

Profitability

MetricValueHow it is calculated
Pre-tax margin-16.4%Pre-tax income / revenue.
Net margin-20.3%Net income / revenue.
FCF margin159.4%Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin161.0%Cash from operations / revenue.
Return on equity (ROE)-9.4%Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)-0.8%Net income / average total assets.
SG&A / revenue54.3%Selling, general and administrative expense / revenue.
Stock-based pay / revenue2.2%Stock-based compensation (from the cash flow statement) / revenue.
Capex / revenue1.5%Capital expenditures / revenue.
D&A / revenue27.8%Depreciation and amortization / revenue.

Growth

MetricValueHow it is calculated
Revenue growth, 1y30.7%Revenue vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y123.0%Operating cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow growth, 1y142.0%Free cash flow vs the same period a year earlier. Only from a positive base.
Book value growth, 1y-21.3%Book value vs the same period a year earlier. Only from a positive base.
Total assets growth, 1y-14.6%Total assets vs the same period a year earlier. Only from a positive base.

Balance sheet health

MetricValueHow it is calculated
Debt / equity3.41xTotal debt / shareholders' equity. Not shown when equity is negative.
Debt / assets28.4%Total debt / total assets.
Liabilities / assets91.6%Total liabilities / total assets.
Net debtCHF 3.52BTotal debt - cash - short-term investments. Negative means more cash than debt.
Goodwill and intangibles / assets0.2%(Goodwill + intangible assets) / total assets.
Tangible book valueCHF 36.88BShareholders' equity - goodwill - intangible assets.

Efficiency

MetricValueHow it is calculated
Asset turnover0.04xRevenue / average total assets.
Fixed asset turnover6.99xRevenue / average property, plant and equipment.
Capex / operating cash flow0.9%Capital expenditures / cash from operations, when that is positive.

Per share

MetricValueHow it is calculated
Book value per shareCHF 8.56Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per shareCHF 8.38Tangible book value / shares outstanding.
Cash per shareCHF 28.40(Cash + short-term investments) / shares outstanding.
Dividends / FCF0.0%Dividends paid / free cash flow, when free cash flow is positive.
What was CREDIT SUISSE AG's revenue in fiscal 2023?

CREDIT SUISSE AG reported revenue of CHF 19.89B for fiscal 2023, 30.7% higher than the year before.

Was CREDIT SUISSE AG profitable in fiscal 2023?

No. It reported a net loss of CHF 4.04B.

How much free cash flow did CREDIT SUISSE AG generate in fiscal 2023?

Cash from operations of CHF 32.01B minus capital expenditures of CHF 301.0M left free cash flow of CHF 31.71B.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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