B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
FRA:DTD2 • DE0001262152
1.96 EUR
+0.04 (+2.08%)
Last: Feb 13, 2026, 07:00 PM
We assign a fundamental rating of 6 out of 10 to DTD2. DTD2 was compared to 118 industry peers in the Software industry. While DTD2 has a great profitability rating, there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on DTD2. These ratings would make DTD2 suitable for value investing!
1. Profitability
1.1 Basic Checks
- DTD2 had positive earnings in the past year.
- In the past year DTD2 had a positive cash flow from operations.
- Each year in the past 5 years DTD2 has been profitable.
- Each year in the past 5 years DTD2 had a positive operating cash flow.
1.2 Ratios
- DTD2 has a Return On Assets of 5.33%. This is comparable to the rest of the industry: DTD2 outperforms 55.08% of its industry peers.
- DTD2 has a Return On Equity (9.20%) which is in line with its industry peers.
- With a decent Return On Invested Capital value of 7.21%, DTD2 is doing good in the industry, outperforming 60.17% of the companies in the same industry.
- DTD2 had an Average Return On Invested Capital over the past 3 years of 5.01%. This is significantly below the industry average of 12.80%.
- The 3 year average ROIC (5.01%) for DTD2 is below the current ROIC(7.21%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.33% | ||
| ROE | 9.2% | ||
| ROIC | 7.21% |
ROA(3y)3.93%
ROA(5y)2.52%
ROE(3y)7.06%
ROE(5y)4.57%
ROIC(3y)5.01%
ROIC(5y)3.49%
1.3 Margins
- With a Profit Margin value of 11.52%, DTD2 perfoms like the industry average, outperforming 58.47% of the companies in the same industry.
- In the last couple of years the Profit Margin of DTD2 has grown nicely.
- DTD2 has a better Operating Margin (14.92%) than 68.64% of its industry peers.
- In the last couple of years the Operating Margin of DTD2 has grown nicely.
- DTD2 has a better Gross Margin (94.19%) than 94.92% of its industry peers.
- In the last couple of years the Gross Margin of DTD2 has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.92% | ||
| PM (TTM) | 11.52% | ||
| GM | 94.19% |
OM growth 3Y59.43%
OM growth 5YN/A
PM growth 3Y330.52%
PM growth 5YN/A
GM growth 3Y0.99%
GM growth 5Y0.09%
2. Health
2.1 Basic Checks
- DTD2 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for DTD2 remains at a similar level compared to 1 year ago.
- DTD2 has about the same amout of shares outstanding than it did 5 years ago.
- The debt/assets ratio for DTD2 has been reduced compared to a year ago.
2.2 Solvency
- An Altman-Z score of 1.84 indicates that DTD2 is not a great score, but indicates only limited risk for bankruptcy at the moment.
- With a Altman-Z score value of 1.84, DTD2 is not doing good in the industry: 60.17% of the companies in the same industry are doing better.
- DTD2 has a debt to FCF ratio of 1.57. This is a very positive value and a sign of high solvency as it would only need 1.57 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 1.57, DTD2 is in the better half of the industry, outperforming 62.71% of the companies in the same industry.
- DTD2 has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
- DTD2 has a Debt to Equity ratio of 0.26. This is comparable to the rest of the industry: DTD2 outperforms 51.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.57 | ||
| Altman-Z | 1.84 |
ROIC/WACC0.92
WACC7.81%
2.3 Liquidity
- A Current Ratio of 1.07 indicates that DTD2 should not have too much problems paying its short term obligations.
- The Current ratio of DTD2 (1.07) is worse than 64.41% of its industry peers.
- A Quick Ratio of 1.07 indicates that DTD2 should not have too much problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 1.07, DTD2 is doing worse than 62.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.07 | ||
| Quick Ratio | 1.07 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 17.40% over the past year.
- The Earnings Per Share has been growing by 347.95% on average over the past years. This is a very strong growth
- DTD2 shows a decrease in Revenue. In the last year, the revenue decreased by -0.92%.
- DTD2 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.04% yearly.
EPS 1Y (TTM)17.4%
EPS 3Y347.95%
EPS 5YN/A
EPS Q2Q%-28.27%
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y4.36%
Revenue growth 5Y5.04%
Sales Q2Q%-4.39%
3.2 Future
- The Earnings Per Share is expected to grow by 12.87% on average over the next years. This is quite good.
- DTD2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.15% yearly.
EPS Next Y35.29%
EPS Next 2Y21.27%
EPS Next 3Y16.67%
EPS Next 5Y12.87%
Revenue Next Year4%
Revenue Next 2Y3.92%
Revenue Next 3Y3.85%
Revenue Next 5Y3.15%
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 8.52, the valuation of DTD2 can be described as very reasonable.
- 93.22% of the companies in the same industry are more expensive than DTD2, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of DTD2 to the average of the S&P500 Index (27.19), we can say DTD2 is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 8.35, the valuation of DTD2 can be described as reasonable.
- DTD2's Price/Forward Earnings ratio is rather cheap when compared to the industry. DTD2 is cheaper than 93.22% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, DTD2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.52 | ||
| Fwd PE | 8.35 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of DTD2 indicates a rather cheap valuation: DTD2 is cheaper than 94.92% of the companies listed in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of DTD2 indicates a rather cheap valuation: DTD2 is cheaper than 98.31% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.78 | ||
| EV/EBITDA | 4.48 |
4.3 Compensation for Growth
- DTD2's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- DTD2 has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as DTD2's earnings are expected to grow with 16.67% in the coming years.
PEG (NY)0.24
PEG (5Y)N/A
EPS Next 2Y21.27%
EPS Next 3Y16.67%
5. Dividend
5.1 Amount
- No dividends for DTD2!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:DTD2 (2/13/2026, 7:00:00 PM)
1.96
+0.04 (+2.08%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-13 2026-02-13
Earnings (Next)05-15 2026-05-15
Inst Owners2.82%
Inst Owner ChangeN/A
Ins Owners56.39%
Ins Owner ChangeN/A
Market Cap12.17M
Revenue(TTM)12.60M
Net Income(TTM)1.45M
Analysts82.86
Price Target5 (155.1%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)8.89%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)15%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.52 | ||
| Fwd PE | 8.35 | ||
| P/S | 0.97 | ||
| P/FCF | 3.78 | ||
| P/OCF | 3.55 | ||
| P/B | 0.77 | ||
| P/tB | 3.54 | ||
| EV/EBITDA | 4.48 |
EPS(TTM)0.23
EY11.73%
EPS(NY)0.23
Fwd EY11.97%
FCF(TTM)0.52
FCFY26.45%
OCF(TTM)0.55
OCFY28.19%
SpS2.03
BVpS2.54
TBVpS0.55
PEG (NY)0.24
PEG (5Y)N/A
Graham Number3.62
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.33% | ||
| ROE | 9.2% | ||
| ROCE | 9.03% | ||
| ROIC | 7.21% | ||
| ROICexc | 9.01% | ||
| ROICexgc | 34.69% | ||
| OM | 14.92% | ||
| PM (TTM) | 11.52% | ||
| GM | 94.19% | ||
| FCFM | 25.55% |
ROA(3y)3.93%
ROA(5y)2.52%
ROE(3y)7.06%
ROE(5y)4.57%
ROIC(3y)5.01%
ROIC(5y)3.49%
ROICexc(3y)5.89%
ROICexc(5y)4.06%
ROICexgc(3y)20.51%
ROICexgc(5y)13.95%
ROCE(3y)6.29%
ROCE(5y)4.39%
ROICexgc growth 3Y80.39%
ROICexgc growth 5YN/A
ROICexc growth 3Y70.97%
ROICexc growth 5YN/A
OM growth 3Y59.43%
OM growth 5YN/A
PM growth 3Y330.52%
PM growth 5YN/A
GM growth 3Y0.99%
GM growth 5Y0.09%
F-Score7
Asset Turnover0.46
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.57 | ||
| Debt/EBITDA | 1.39 | ||
| Cap/Depr | 20.5% | ||
| Cap/Sales | 1.68% | ||
| Interest Coverage | 7.7 | ||
| Cash Conversion | 117.78% | ||
| Profit Quality | 221.85% | ||
| Current Ratio | 1.07 | ||
| Quick Ratio | 1.07 | ||
| Altman-Z | 1.84 |
F-Score7
WACC7.81%
ROIC/WACC0.92
Cap/Depr(3y)8.01%
Cap/Depr(5y)6.34%
Cap/Sales(3y)0.69%
Cap/Sales(5y)0.63%
Profit Quality(3y)168.59%
Profit Quality(5y)1961.78%
High Growth Momentum
Growth
EPS 1Y (TTM)17.4%
EPS 3Y347.95%
EPS 5YN/A
EPS Q2Q%-28.27%
EPS Next Y35.29%
EPS Next 2Y21.27%
EPS Next 3Y16.67%
EPS Next 5Y12.87%
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y4.36%
Revenue growth 5Y5.04%
Sales Q2Q%-4.39%
Revenue Next Year4%
Revenue Next 2Y3.92%
Revenue Next 3Y3.85%
Revenue Next 5Y3.15%
EBIT growth 1Y7.49%
EBIT growth 3Y66.38%
EBIT growth 5YN/A
EBIT Next Year87.5%
EBIT Next 3Y25.99%
EBIT Next 5Y15.64%
FCF growth 1Y13.91%
FCF growth 3Y30.94%
FCF growth 5Y11.39%
OCF growth 1Y21.15%
OCF growth 3Y32.44%
OCF growth 5Y10.38%
B+S BANKSYSTEME AG / DTD2.DE FAQ
Can you provide the ChartMill fundamental rating for B+S BANKSYSTEME AG?
ChartMill assigns a fundamental rating of 6 / 10 to DTD2.DE.
What is the valuation status of B+S BANKSYSTEME AG (DTD2.DE) stock?
ChartMill assigns a valuation rating of 9 / 10 to B+S BANKSYSTEME AG (DTD2.DE). This can be considered as Undervalued.
Can you provide the profitability details for B+S BANKSYSTEME AG?
B+S BANKSYSTEME AG (DTD2.DE) has a profitability rating of 7 / 10.
What is the financial health of B+S BANKSYSTEME AG (DTD2.DE) stock?
The financial health rating of B+S BANKSYSTEME AG (DTD2.DE) is 5 / 10.
Can you provide the expected EPS growth for DTD2 stock?
The Earnings per Share (EPS) of B+S BANKSYSTEME AG (DTD2.DE) is expected to grow by 35.29% in the next year.