B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:DTD2 - DE0001262152 - Common Stock
2.12 EUR
+0.06 (+2.91%)
DTD2 gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 125 industry peers in the Software industry. DTD2 scores excellent on profitability, but 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. This makes DTD2 very considerable for value investing!
1. Profitability
1.1 Basic Checks
- DTD2 had positive earnings in the past year.
- DTD2 had a positive operating cash flow in the past year.
- Each year in the past 5 years DTD2 has been profitable.
- DTD2 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With a Return On Assets value of 5.33%, DTD2 perfoms like the industry average, outperforming 57.60% of the companies in the same industry.
- With a Return On Equity value of 9.20%, DTD2 perfoms like the industry average, outperforming 53.60% of the companies in the same industry.
- DTD2's Return On Invested Capital of 7.21% is fine compared to the rest of the industry. DTD2 outperforms 64.00% of its industry peers.
- DTD2 had an Average Return On Invested Capital over the past 3 years of 5.01%. This is significantly below the industry average of 12.89%.
- 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
- DTD2 has a Profit Margin of 11.52%. This is comparable to the rest of the industry: DTD2 outperforms 60.00% of its industry peers.
- In the last couple of years the Profit Margin of DTD2 has grown nicely.
- DTD2 has a better Operating Margin (14.92%) than 70.40% of its industry peers.
- DTD2's Operating Margin has improved in the last couple of years.
- DTD2 has a Gross Margin of 94.19%. This is amongst the best in the industry. DTD2 outperforms 94.40% 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so DTD2 is destroying value.
- DTD2 has about the same amout of shares outstanding than it did 1 year ago.
- DTD2 has about the same amout of shares outstanding than it did 5 years ago.
- Compared to 1 year ago, DTD2 has an improved debt to assets ratio.
2.2 Solvency
- DTD2 has an Altman-Z score of 1.89. This is not the best score and indicates that DTD2 is in the grey zone with still only limited risk for bankruptcy at the moment.
- The Altman-Z score of DTD2 (1.89) is worse than 63.20% of its industry peers.
- 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.
- The Debt to FCF ratio of DTD2 (1.57) is better than 64.80% of its industry peers.
- DTD2 has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
- DTD2's Debt to Equity ratio of 0.26 is in line compared to the rest of the industry. DTD2 outperforms 52.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.57 | ||
| Altman-Z | 1.89 |
ROIC/WACC0.92
WACC7.87%
2.3 Liquidity
- DTD2 has a Current Ratio of 1.07. This is a normal value and indicates that DTD2 is financially healthy and should not expect problems in meeting its short term obligations.
- With a Current ratio value of 1.07, DTD2 is not doing good in the industry: 65.60% of the companies in the same industry are doing better.
- A Quick Ratio of 1.07 indicates that DTD2 should not have too much problems paying its short term obligations.
- DTD2 has a worse Quick ratio (1.07) than 63.20% of its industry peers.
| 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%.
- The Revenue has been growing slightly by 5.04% on average over the past years.
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 13.31% on average over the next years. This is quite good.
- Based on estimates for the next years, DTD2 will show a small growth in Revenue. The Revenue will grow by 3.55% on average per year.
EPS Next Y35.29%
EPS Next 2Y21.27%
EPS Next 3Y16.67%
EPS Next 5Y13.31%
Revenue Next Year4%
Revenue Next 2Y3.92%
Revenue Next 3Y3.85%
Revenue Next 5Y3.55%
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
- The Price/Earnings ratio is 9.22, which indicates a very decent valuation of DTD2.
- Based on the Price/Earnings ratio, DTD2 is valued cheaply inside the industry as 92.00% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of DTD2 to the average of the S&P500 Index (27.54), we can say DTD2 is valued rather cheaply.
- DTD2 is valuated reasonably with a Price/Forward Earnings ratio of 9.04.
- DTD2's Price/Forward Earnings ratio is rather cheap when compared to the industry. DTD2 is cheaper than 92.80% of the companies in the same industry.
- DTD2's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.22 | ||
| Fwd PE | 9.04 |
4.2 Price Multiples
- DTD2's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. DTD2 is cheaper than 96.80% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, DTD2 is valued cheaply inside the industry as 99.20% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.09 | ||
| EV/EBITDA | 4.82 |
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)0.26
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 (1/14/2026, 7:00:00 PM)
2.12
+0.06 (+2.91%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-14 2025-11-14
Earnings (Next)02-13 2026-02-13
Inst Owners2.82%
Inst Owner ChangeN/A
Ins Owners56.39%
Ins Owner ChangeN/A
Market Cap13.17M
Revenue(TTM)12.60M
Net Income(TTM)1.45M
Analysts82.86
Price Target5 (135.85%)
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)-2.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.22 | ||
| Fwd PE | 9.04 | ||
| P/S | 1.05 | ||
| P/FCF | 4.09 | ||
| P/OCF | 3.84 | ||
| P/B | 0.84 | ||
| P/tB | 3.83 | ||
| EV/EBITDA | 4.82 |
EPS(TTM)0.23
EY10.85%
EPS(NY)0.23
Fwd EY11.07%
FCF(TTM)0.52
FCFY24.45%
OCF(TTM)0.55
OCFY26.06%
SpS2.03
BVpS2.54
TBVpS0.55
PEG (NY)0.26
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 | 1.89 |
F-Score7
WACC7.87%
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 5Y13.31%
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 5Y3.55%
EBIT growth 1Y7.49%
EBIT growth 3Y66.38%
EBIT growth 5YN/A
EBIT Next Year87.5%
EBIT Next 3Y25.99%
EBIT Next 5Y16.09%
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.