B+S BANKSYSTEME AG (DTD2.DE) Fundamental Analysis & Valuation

FRA:DTD2 • DE0001262152

Current stock price

1.88 EUR
+0.12 (+6.52%)
Last:

This DTD2.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. DTD2.DE Profitability Analysis

1.1 Basic Checks

  • DTD2 had positive earnings in the past year.
  • In the past year DTD2 had a positive cash flow from operations.
  • In the past 5 years DTD2 has always been profitable.
  • Each year in the past 5 years DTD2 had a positive operating cash flow.
DTD2.DE Yearly Net Income VS EBIT VS OCF VS FCFDTD2.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1M -1M 2M 3M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 5.17%, DTD2 is in line with its industry, outperforming 58.20% of the companies in the same industry.
  • With a Return On Equity value of 8.76%, DTD2 perfoms like the industry average, outperforming 58.20% of the companies in the same industry.
  • DTD2 has a Return On Invested Capital of 7.48%. This is in the better half of the industry: DTD2 outperforms 63.11% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for DTD2 is significantly below the industry average of 13.78%.
  • The last Return On Invested Capital (7.48%) for DTD2 is above the 3 year average (5.01%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 5.17%
ROE 8.76%
ROIC 7.48%
ROA(3y)3.93%
ROA(5y)2.52%
ROE(3y)7.06%
ROE(5y)4.57%
ROIC(3y)5.01%
ROIC(5y)3.49%
DTD2.DE Yearly ROA, ROE, ROICDTD2.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

1.3 Margins

  • DTD2 has a better Profit Margin (11.01%) than 63.11% of its industry peers.
  • In the last couple of years the Profit Margin of DTD2 has grown nicely.
  • With a decent Operating Margin value of 14.99%, DTD2 is doing good in the industry, outperforming 68.85% of the companies in the same industry.
  • DTD2's Operating Margin has improved in the last couple of years.
  • DTD2's Gross Margin of 94.82% is amongst the best of the industry. DTD2 outperforms 95.08% of its industry peers.
  • DTD2's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 14.99%
PM (TTM) 11.01%
GM 94.82%
OM growth 3Y59.43%
OM growth 5YN/A
PM growth 3Y330.52%
PM growth 5YN/A
GM growth 3Y0.99%
GM growth 5Y0.09%
DTD2.DE Yearly Profit, Operating, Gross MarginsDTD2.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

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5

2. DTD2.DE Health Analysis

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.
  • The number of shares outstanding for DTD2 remains at a similar level compared to 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.
DTD2.DE Yearly Shares OutstandingDTD2.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
DTD2.DE Yearly Total Debt VS Total AssetsDTD2.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

2.2 Solvency

  • An Altman-Z score of 1.88 indicates that DTD2 is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • The Altman-Z score of DTD2 (1.88) is comparable to the rest of the industry.
  • DTD2 has a debt to FCF ratio of 1.66. This is a very positive value and a sign of high solvency as it would only need 1.66 years to pay back of all of its debts.
  • DTD2 has a Debt to FCF ratio (1.66) which is comparable to the rest of the industry.
  • DTD2 has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
  • DTD2's Debt to Equity ratio of 0.22 is in line compared to the rest of the industry. DTD2 outperforms 57.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.66
Altman-Z 1.88
ROIC/WACC1.02
WACC7.36%
DTD2.DE Yearly LT Debt VS Equity VS FCFDTD2.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M 10M 15M

2.3 Liquidity

  • DTD2 has a Current Ratio of 1.17. This is a normal value and indicates that DTD2 is financially healthy and should not expect problems in meeting its short term obligations.
  • DTD2's Current ratio of 1.17 is on the low side compared to the rest of the industry. DTD2 is outperformed by 67.21% of its industry peers.
  • DTD2 has a Quick Ratio of 1.17. This is a normal value and indicates that DTD2 is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 1.17, DTD2 is doing worse than 64.75% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.17
Quick Ratio 1.17
DTD2.DE Yearly Current Assets VS Current LiabilitesDTD2.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. DTD2.DE Growth Analysis

3.1 Past

  • DTD2 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.87%.
  • Measured over the past years, DTD2 shows a very strong growth in Earnings Per Share. The EPS has been growing by 347.95% on average per year.
  • DTD2 shows a small growth in Revenue. In the last year, the Revenue has grown by 2.27%.
  • The Revenue has been growing slightly by 5.04% on average over the past years.
EPS 1Y (TTM)-14.87%
EPS 3Y347.95%
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)2.27%
Revenue growth 3Y4.36%
Revenue growth 5Y5.04%
Sales Q2Q%9.98%

3.2 Future

  • Based on estimates for the next years, DTD2 will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.95% on average per year.
  • DTD2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.88% yearly.
EPS Next Y29.41%
EPS Next 2Y18.82%
EPS Next 3Y15.21%
EPS Next 5Y12.95%
Revenue Next Year4%
Revenue Next 2Y3.92%
Revenue Next 3Y3.85%
Revenue Next 5Y3.88%

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.
  • 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.
DTD2.DE Yearly Revenue VS EstimatesDTD2.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5M 10M 15M
DTD2.DE Yearly EPS VS EstimatesDTD2.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 0.1 0.2 0.3 0.4

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9

4. DTD2.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.17 indicates a reasonable 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 96.72% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.89, DTD2 is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 7.68, the valuation of DTD2 can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of DTD2 indicates a rather cheap valuation: DTD2 is cheaper than 95.08% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of DTD2 to the average of the S&P500 Index (38.50), we can say DTD2 is valued rather cheaply.
Industry RankSector Rank
PE 8.17
Fwd PE 7.68
DTD2.DE Price Earnings VS Forward Price EarningsDTD2.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, DTD2 is valued cheaply inside the industry as 98.36% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, DTD2 is valued cheaply inside the industry as 98.36% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.29
EV/EBITDA 4.56
DTD2.DE Per share dataDTD2.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2 2.5

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.
  • A more expensive valuation may be justified as DTD2's earnings are expected to grow with 15.21% in the coming years.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y18.82%
EPS Next 3Y15.21%

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0

5. DTD2.DE Dividend Analysis

5.1 Amount

  • No dividends for DTD2!.
Industry RankSector Rank
Dividend Yield 0%

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DTD2.DE Fundamentals: All Metrics, Ratios and Statistics

B+S BANKSYSTEME AG

FRA:DTD2 (4/17/2026, 7:00:00 PM)

1.88

+0.12 (+6.52%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-13
Earnings (Next)05-15
Inst Owners2.82%
Inst Owner ChangeN/A
Ins Owners56.39%
Ins Owner ChangeN/A
Market Cap11.67M
Revenue(TTM)13.19M
Net Income(TTM)1.45M
Analysts82.86
Price Target4.79 (154.79%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)-4.08%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-4.35%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 8.17
Fwd PE 7.68
P/S 0.88
P/FCF 4.29
P/OCF 3.91
P/B 0.7
P/tB 2.74
EV/EBITDA 4.56
EPS(TTM)0.23
EY12.23%
EPS(NY)0.24
Fwd EY13.02%
FCF(TTM)0.44
FCFY23.32%
OCF(TTM)0.48
OCFY25.57%
SpS2.12
BVpS2.67
TBVpS0.69
PEG (NY)0.28
PEG (5Y)N/A
Graham Number3.71708 (97.72%)
Profitability
Industry RankSector Rank
ROA 5.17%
ROE 8.76%
ROCE 9.37%
ROIC 7.48%
ROICexc 8.46%
ROICexgc 24.93%
OM 14.99%
PM (TTM) 11.01%
GM 94.82%
FCFM 20.64%
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 Turnover0.47
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.66
Debt/EBITDA 1.18
Cap/Depr 25.36%
Cap/Sales 1.99%
Interest Coverage 7.64
Cash Conversion 99.14%
Profit Quality 187.41%
Current Ratio 1.17
Quick Ratio 1.17
Altman-Z 1.88
F-Score7
WACC7.36%
ROIC/WACC1.02
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)-14.87%
EPS 3Y347.95%
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y29.41%
EPS Next 2Y18.82%
EPS Next 3Y15.21%
EPS Next 5Y12.95%
Revenue 1Y (TTM)2.27%
Revenue growth 3Y4.36%
Revenue growth 5Y5.04%
Sales Q2Q%9.98%
Revenue Next Year4%
Revenue Next 2Y3.92%
Revenue Next 3Y3.85%
Revenue Next 5Y3.88%
EBIT growth 1Y-11.89%
EBIT growth 3Y66.38%
EBIT growth 5YN/A
EBIT Next Year81.25%
EBIT Next 3Y24.67%
EBIT Next 5Y15.76%
FCF growth 1Y55.69%
FCF growth 3Y30.94%
FCF growth 5Y11.39%
OCF growth 1Y63.65%
OCF growth 3Y32.44%
OCF growth 5Y10.38%

B+S BANKSYSTEME AG / DTD2.DE Fundamental Analysis 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.


What is the profitability of DTD2 stock?

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 8.17 and the Price/Book (PB) ratio is 0.7.


What is the expected EPS growth for B+S BANKSYSTEME AG (DTD2.DE) stock?

The Earnings per Share (EPS) of B+S BANKSYSTEME AG (DTD2.DE) is expected to grow by 29.41% in the next year.