B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - FRA:DTD2 - DE0001262152 - Common Stock
1.89 EUR
-0.19 (-9.13%)
DTD2 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 111 industry peers in the Software industry. DTD2 scores excellent on profitability, but there are concerns on its financial health. DTD2 may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year DTD2 was profitable.
DTD2 had a positive operating cash flow in the past year.
Of the past 5 years DTD2 4 years were 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 6.15%, DTD2 perfoms like the industry average, outperforming 59.46% of the companies in the same industry.
The Return On Equity of DTD2 (11.23%) is better than 60.36% of its industry peers.
With a decent Return On Invested Capital value of 8.15%, DTD2 is doing good in the industry, outperforming 63.06% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for DTD2 is significantly below the industry average of 12.66%.
The 3 year average ROIC (2.95%) for DTD2 is below the current ROIC(8.15%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.15% | ||
| ROE | 11.23% | ||
| ROIC | 8.15% |
ROA(3y)2.18%
ROA(5y)1.24%
ROE(3y)4.04%
ROE(5y)2.25%
ROIC(3y)2.95%
ROIC(5y)N/A
1.3 Margins
The Profit Margin of DTD2 (13.23%) is better than 61.26% of its industry peers.
DTD2's Profit Margin has improved in the last couple of years.
DTD2's Operating Margin of 17.40% is fine compared to the rest of the industry. DTD2 outperforms 69.37% of its industry peers.
DTD2's Operating Margin has improved in the last couple of years.
DTD2's Gross Margin of 91.19% is amongst the best of the industry. DTD2 outperforms 90.09% of its industry peers.
In the last couple of years the Gross Margin of DTD2 has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.4% | ||
| PM (TTM) | 13.23% | ||
| GM | 91.19% |
OM growth 3Y90.37%
OM growth 5YN/A
PM growth 3Y74.14%
PM growth 5YN/A
GM growth 3Y-1.2%
GM growth 5Y-1.67%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so DTD2 is still creating some value.
DTD2 has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, DTD2 has about the same amount of shares outstanding.
The debt/assets ratio for DTD2 has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.74, we must say that DTD2 is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 1.74, DTD2 is not doing good in the industry: 63.96% of the companies in the same industry are doing better.
The Debt to FCF ratio of DTD2 is 4.34, which is a neutral value as it means it would take DTD2, 4.34 years of fcf income to pay off all of its debts.
DTD2's Debt to FCF ratio of 4.34 is in line compared to the rest of the industry. DTD2 outperforms 57.66% of its industry peers.
A Debt/Equity ratio of 0.30 indicates that DTD2 is not too dependend on debt financing.
DTD2 has a Debt to Equity ratio of 0.30. This is comparable to the rest of the industry: DTD2 outperforms 45.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 4.34 | ||
| Altman-Z | 1.74 |
ROIC/WACC1.15
WACC7.06%
2.3 Liquidity
DTD2 has a Current Ratio of 0.99. This is a bad value and indicates that DTD2 is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.99, DTD2 is doing worse than 68.47% of the companies in the same industry.
DTD2 has a Quick Ratio of 0.99. This is a bad value and indicates that DTD2 is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of DTD2 (0.99) is worse than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 108.91% over the past year.
The Earnings Per Share has been growing by 86.02% on average over the past years. This is a very strong growth
DTD2 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.82%.
The Revenue has been growing slightly by 7.04% on average over the past years.
EPS 1Y (TTM)108.91%
EPS 3Y86.02%
EPS 5YN/A
EPS Q2Q%138.1%
Revenue 1Y (TTM)8.82%
Revenue growth 3Y6.8%
Revenue growth 5Y7.04%
Sales Q2Q%3.23%
3.2 Future
Based on estimates for the next years, DTD2 will show a very strong growth in Earnings Per Share. The EPS will grow by 20.41% on average per year.
Based on estimates for the next years, DTD2 will show a small growth in Revenue. The Revenue will grow by 3.94% on average per year.
EPS Next Y91.67%
EPS Next 2Y29.1%
EPS Next 3Y27.72%
EPS Next 5Y20.41%
Revenue Next Year4.13%
Revenue Next 2Y3.65%
Revenue Next 3Y3.72%
Revenue Next 5Y3.94%
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.00, which indicates a rather cheap valuation of DTD2.
Compared to the rest of the industry, the Price/Earnings ratio of DTD2 indicates a rather cheap valuation: DTD2 is cheaper than 96.40% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 25.91. DTD2 is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.26 indicates a reasonable valuation of DTD2.
Based on the Price/Forward Earnings ratio, DTD2 is valued cheaply inside the industry as 92.79% of the companies are valued more expensively.
DTD2 is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7 | ||
| Fwd PE | 9.26 |
4.2 Price Multiples
97.30% of the companies in the same industry are more expensive than DTD2, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, DTD2 is valued cheaply inside the industry as 92.79% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.24 | ||
| EV/EBITDA | 5.04 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of DTD2 may justify a higher PE ratio.
DTD2's earnings are expected to grow with 27.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y29.1%
EPS Next 3Y27.72%
5. Dividend
5.1 Amount
DTD2 does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:DTD2 (11/13/2025, 7:00:00 PM)
1.89
-0.19 (-9.13%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners11.11%
Inst Owner ChangeN/A
Ins Owners56.39%
Ins Owner ChangeN/A
Market Cap11.74M
Revenue(TTM)12.90M
Net Income(TTM)1.71M
Analysts82.86
Price Target4.59 (142.86%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)35.29%
EPS NY rev (3m)21.05%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.8%
Revenue NY rev (3m)0.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7 | ||
| Fwd PE | 9.26 | ||
| P/S | 0.91 | ||
| P/FCF | 9.24 | ||
| P/OCF | 9.51 | ||
| P/B | 0.77 | ||
| P/tB | 4.1 | ||
| EV/EBITDA | 5.04 |
EPS(TTM)0.27
EY14.29%
EPS(NY)0.2
Fwd EY10.79%
FCF(TTM)0.2
FCFY10.82%
OCF(TTM)0.2
OCFY10.51%
SpS2.08
BVpS2.45
TBVpS0.46
PEG (NY)0.08
PEG (5Y)N/A
Graham Number3.86
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.15% | ||
| ROE | 11.23% | ||
| ROCE | 10.96% | ||
| ROIC | 8.15% | ||
| ROICexc | 8.54% | ||
| ROICexgc | 23.09% | ||
| OM | 17.4% | ||
| PM (TTM) | 13.23% | ||
| GM | 91.19% | ||
| FCFM | 9.84% |
ROA(3y)2.18%
ROA(5y)1.24%
ROE(3y)4.04%
ROE(5y)2.25%
ROIC(3y)2.95%
ROIC(5y)N/A
ROICexc(3y)3.25%
ROICexc(5y)N/A
ROICexgc(3y)10.17%
ROICexgc(5y)N/A
ROCE(3y)3.98%
ROCE(5y)N/A
ROICexgc growth 3Y118.37%
ROICexgc growth 5YN/A
ROICexc growth 3Y110.38%
ROICexc growth 5YN/A
OM growth 3Y90.37%
OM growth 5YN/A
PM growth 3Y74.14%
PM growth 5YN/A
GM growth 3Y-1.2%
GM growth 5Y-1.67%
F-Score6
Asset Turnover0.47
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 4.34 | ||
| Debt/EBITDA | 1.42 | ||
| Cap/Depr | 3.62% | ||
| Cap/Sales | 0.28% | ||
| Interest Coverage | 9.93 | ||
| Cash Conversion | 38.09% | ||
| Profit Quality | 74.4% | ||
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 | ||
| Altman-Z | 1.74 |
F-Score6
WACC7.06%
ROIC/WACC1.15
Cap/Depr(3y)2.14%
Cap/Depr(5y)4.94%
Cap/Sales(3y)0.26%
Cap/Sales(5y)0.74%
Profit Quality(3y)3082.14%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)108.91%
EPS 3Y86.02%
EPS 5YN/A
EPS Q2Q%138.1%
EPS Next Y91.67%
EPS Next 2Y29.1%
EPS Next 3Y27.72%
EPS Next 5Y20.41%
Revenue 1Y (TTM)8.82%
Revenue growth 3Y6.8%
Revenue growth 5Y7.04%
Sales Q2Q%3.23%
Revenue Next Year4.13%
Revenue Next 2Y3.65%
Revenue Next 3Y3.72%
Revenue Next 5Y3.94%
EBIT growth 1Y270.46%
EBIT growth 3Y103.31%
EBIT growth 5YN/A
EBIT Next Year116.67%
EBIT Next 3Y35.72%
EBIT Next 5Y22.73%
FCF growth 1Y-9.42%
FCF growth 3Y62.88%
FCF growth 5YN/A
OCF growth 1Y-14.19%
OCF growth 3Y57.27%
OCF growth 5YN/A
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 5 / 10 to DTD2.DE.
Can you provide the valuation status for B+S BANKSYSTEME AG?
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.
Can you provide the PE and PB ratios for DTD2 stock?
The Price/Earnings (PE) ratio for B+S BANKSYSTEME AG (DTD2.DE) is 7 and the Price/Book (PB) ratio is 0.77.
How financially healthy is B+S BANKSYSTEME AG?
The financial health rating of B+S BANKSYSTEME AG (DTD2.DE) is 3 / 10.