Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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In-Depth test Of 18 Analyst Recommendations For Amgen

Within the last quarter, Amgen AMGN has observed the following analyst ratings:

Bullish Somewhat Bullish Indifferent Somewhat Bearish Bearish Total Ratings 4 6 8 0 0 Last 30D 0 1 0 0 0 1M Ago 1 1 0 0 0 2M Ago 1 2 6 0 0 3M Ago 2 2 2 0 0

Within the last quarter, 18 analysts provided 12-month price targets for Amgen. The average target is $293.06, with a high estimate of $326.00 and a low estimate of $240.00.

Get a quick summary of 18 analysts' ratings for Amgen over the last 3 months. More bullish views suggest a positive outlook, while more bearish views imply a negative sentiment.

A notable 5.07% increase in the average price target has occurred over the past month.

Diving into Analyst Ratings: An In-Depth Exploration

Explore the analyses of financial experts and analysts, gaining insights into their exact exams for Amgen. The Ratings Table below delivers a detailed overview of the actions undertaken by key analysts, their current ratings, and price targets. Uncover valuable perspectives on possible market trends and investor sentiment by understanding the perceptions of these experts towards the company.

Analyst Analyst Firm Action Taken Rating Current Price Target Prior Price Target Evan David Seigerman BMO Capital Raises Outperform $326.00 $286.00 Gregory Renza RBC Capital Raises Outperform $300.00 $256.00 Robyn Karnauskas Truist Securities Maintains Buy $320.00 - James Shin Deutsche Bank Announces Hold $240.00 - Gregory Renza RBC Capital Raises Sector Perform $256.00 $253.00 Robyn Karnauskas Truist Securities Announces Buy $320.00 - Colin Bristow UBS Lowers Neutral $268.00 $272.00 Gregory Renza RBC Capital Raises Sector Perform $256.00 $253.00 Terence Flynn Morgan Stanley Lowers Equal-Weight $291.00 $300.00 Jay Olson Oppenheimer Raises Outperform $310.00 $300.00 Jay Olson Oppenheimer Raises Outperform $300.00 $290.00 Chris Schott JP Morgan Announces Neutral $270.00 - David Toung Argus Research Raises Buy $310.00 $280.00 Terence Flynn Morgan Stanley Announces Equal-Weight $300.00 - Michael Yee Jefferies Maintains Buy $310.00 $310.00 David Risinger Leerink Partners Raises Outperform $318.00 $267.00 Geoff Meacham B of A Securities Announces Neutral $290.00 - Jay Olson Oppenheimer Raises Outperform $290.00 $280.00 Key Insights:
  • Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to exact developments related to Amgen. This information provides a snapshot of how analysts perceive the current state of the company.
  • Rating: Gaining insights, analysts provide qualitative exams, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Amgen compared to the broader market.
  • Price Targets: Analysts set price targets as an estimate of a stock's future value. Comparing the current and prior price targets provides insight into how analysts' expectations have changed over time. This information can be valuable for investors seeking to understand consensus views on the stock's potential future performance.
  • Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Amgen's market position. Stay informed and make well-informed decisions with their Ratings Table.

    Stay up to date on Amgen analyst ratings.

    Get to Know Amgen Better

    Amgen is a leader in biotechnology-based human therapeutics. Flagship drugs include red blood cell boosters Epogen and Aranesp, immune system boosters Neupogen and Neulasta, and Enbrel and Otezla for inflammatory diseases. Amgen introduced its first cancer therapeutic, Vectibix, in 2006 and markets bone-strengthening drug Prolia/Xgeva (approved 2010) and Evenity (2019). The acquisition of Onyx bolstered the firm's therapeutic oncology portfolio with Kyprolis. exact launches include Repatha (cholesterol-lowering), Aimovig (migraine), Lumakras (lung cancer), and Tezspire (asthma). The 2023 Horizon acquisition brings several rare disease drugs, including thyroid eye disease drug Tepezza. Amgen also has a growing biosimilar portfolio.

    Financial Milestones: Amgen's Journey

    Market Capitalization Analysis: With a profound presence, the company's market capitalization is above industry averages. This reflects substantial size and strong market recognition.

    Revenue Growth: Amgen displayed positive results in 3 months. As of 30 September, 2023, the company achieved a solid revenue growth rate of approximately 3.77%. This indicates a notable increase in the company's top-line earnings. When compared to others in the Health Care sector, the company faces challenges, achieving a growth rate lower than the average among peers.

    Net Margin: Amgen's net margin surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 25.06% net margin, the company effectively manages costs and achieves strong profitability.

    Return on Equity (ROE): Amgen's financial strength is reflected in its exceptional ROE, which exceeds industry averages. With a remarkable ROE of 23.97%, the company showcases efficient use of equity capital and strong financial health.

    Return on Assets (ROA): Amgen's ROA surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 1.91% ROA, the company effectively utilizes its assets for optimal returns.

    Debt Management: With a high debt-to-equity ratio of 7.9, Amgen faces challenges in effectively managing its debt levels, indicating potential financial strain.

    Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.

    Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.

    This article was generated by Benzinga's automated content engine and reviewed by an editor.

    © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.


    Ecopetrol Reaches Analyst Target Price

    No result found, try new keyword!In exact trading, shares of Ecopetrol SA (Symbol: EC) have crossed above the average analyst 12-month target price of $12.20, changing hands for $12.27/share. When a stock reaches the target an ...

    In-Depth test Of 6 Analyst Recommendations For Intra-Cellular Therapies

    Across the exact three months, 6 analysts have shared their insights on Intra-Cellular Therapies (NASDAQ:ITCI), expressing a variety of opinions spanning from bullish to bearish.

    The table below provides a concise overview of exact ratings by analysts, offering insights into the changing sentiments over the past 30 days and drawing comparisons with the preceding months for a holistic perspective.

    Bullish Somewhat Bullish Indifferent Somewhat Bearish Bearish Total Ratings 2 4 0 0 0 Last 30D 1 0 0 0 0 1M Ago 0 2 0 0 0 2M Ago 1 2 0 0 0 3M Ago 0 0 0 0 0

    Analysts provide deeper insights through their exams of 12-month price targets, revealing an average target of $84.5, a high estimate of $101.00, and a low estimate of $72.00. Marking an increase of 5.62%, the current average surpasses the previous average price target of $80.00.

    price target chart

    Breaking Down Analyst Ratings: A Detailed Exam

    A clear picture of Intra-Cellular Therapies's perception among financial experts is painted with a thorough analysis of exact analyst actions. The summary below outlines key analysts, their exact evaluations, and adjustments to ratings and price targets.

    Analyst Analyst Firm Action Taken Rating Current Price Target Prior Price Target Ashwani Verma B of A Securities Raises Buy $82.00 $74.00 Charles Duncan Cantor Fitzgerald Maintains Overweight $101.00 - Joseph Thome TD Cowen Announces Outperform $75.00 - Brian Abrahams RBC Capital Lowers Outperform $76.00 $77.00 Charles Duncan Cantor Fitzgerald Raises Overweight $101.00 $98.00 Ami Fadia Needham Raises Buy $72.00 $71.00 Key Insights:
  • Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to exact developments related to Intra-Cellular Therapies. This information offers a snapshot of how analysts perceive the current state of the company.
  • Rating: Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Intra-Cellular Therapies compared to the broader market.
  • Price Targets: Understanding forecasts, analysts offer estimates for Intra-Cellular Therapies's future value. Examining the current and prior targets provides insight into analysts' changing expectations.
  • Navigating through these analyst evaluations alongside other financial indicators can contribute to a holistic understanding of Intra-Cellular Therapies's market standing. Stay informed and make data-driven decisions with their Ratings Table.

    Stay up to date on Intra-Cellular Therapies analyst ratings.

    Discovering Intra-Cellular Therapies: A Closer Look

    Intra-Cellular Therapies Inc is a biopharmaceutical company that develops novel drugs for treating diseases of the central nervous system. The company is focused on the delivery and clinical development of small-molecule drugs that address needs in neuropsychiatric and neurological disorders. Intra-Cellular maintains proprietary chemistry platforms to develop drugs for neurodegenerative diseases. The company's business segment is discovering and developing drugs for the treatment of neurological and psychiatric disorders.

    Intra-Cellular Therapies's Economic Impact: An Analysis

    Market Capitalization Analysis: Below industry benchmarks, the company's market capitalization reflects a smaller scale relative to peers. This could be attributed to factors such as growth expectations or operational capacity.

    Revenue Growth: Intra-Cellular Therapies displayed positive results in 3 months. As of 30 September, 2023, the company achieved a solid revenue growth rate of approximately 75.05%. This indicates a notable increase in the company's top-line earnings. As compared to competitors, the company surpassed expectations with a growth rate higher than the average among peers in the Health Care sector.

    Net Margin: The company's net margin is below industry benchmarks, signaling potential difficulties in achieving strong profitability. With a net margin of -19.28%, the company may need to address challenges in effective cost control.

    Return on Equity (ROE): Intra-Cellular Therapies's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of -4.02%, the company may face hurdles in achieving optimal financial returns.

    Return on Assets (ROA): Intra-Cellular Therapies's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of -3.39%, the company may face hurdles in achieving optimal financial performance.

    Debt Management: With a below-average debt-to-equity ratio of 0.03, Intra-Cellular Therapies adopts a prudent financial strategy, indicating a balanced approach to debt management.

    The Significance of Analyst Ratings Explained

    Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These certified diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.

    Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.

    This article was generated by Benzinga's automated content engine and reviewed by an editor.


     


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    Warum sind Cyberrisiken so schwer greifbar?

    Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

    Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

    Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

    Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

    Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

    Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

    Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

    Nicht kriminelle Ursachen

    Höhere Gewalt

    Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

    Menschliches Versagen/Fehlverhalten

    Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

    Technisches Versagen

    Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

    Kriminelle Ursachen

    Hackerangriffe

    Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

    Physischer Angriff

    Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.

    Erpressung

    Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

    Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:

    Cyber-Kosten:

    • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
    • Krisenkommunikation / PR-Maßnahmen
    • Systemverbesserungen nach einer Cyber-Attacke
    • Aufwendungen vor Eintritt des Versicherungsfalls

    Cyber-Drittschäden (Haftpflicht):

    • Befriedigung oder Abwehr von Ansprüchen Dritter
    • Rechtswidrige elektronische Kommunikation
    • Ansprüche der E-Payment-Serviceprovider
    • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
    • Vertragliche Schadenersatzansprüche
    • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
    • Rechtsverteidigungskosten

    Cyber-Eigenschäden:

    • Betriebsunterbrechung
    • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
    • Mehrkosten
    • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
    • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
    • Cyber-Erpressung
    • Entschädigung mit Strafcharakter/Bußgeld
    • Ersatz-IT-Hardware
    • Cyber-Betrug