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

FRA:DTD2 • DE0001262152

2 EUR
-0.02 (-0.99%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

6

Taking everything into account, DTD2 scores 6 out of 10 in our fundamental rating. DTD2 was compared to 116 industry peers in the Software industry. While DTD2 has a great profitability rating, there are some minor concerns on its financial health. DTD2 may be a bit undervalued, certainly considering the very reasonable score on growth With these ratings, DTD2 could be worth investigating further for value investing!.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year DTD2 was profitable.
  • In the past year DTD2 had a positive cash flow from operations.
  • In the past 5 years DTD2 has always been profitable.
  • DTD2 had a positive operating cash flow in each of the past 5 years.
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

  • DTD2 has a Return On Assets of 5.33%. This is comparable to the rest of the industry: DTD2 outperforms 54.46% of its industry peers.
  • DTD2 has a Return On Equity of 9.20%. This is comparable to the rest of the industry: DTD2 outperforms 51.79% of its industry peers.
  • The Return On Invested Capital of DTD2 (7.21%) is better than 60.71% 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 12.58%.
  • The last Return On Invested Capital (7.21%) for DTD2 is above the 3 year average (5.01%), which is a sign of increasing profitability.
Industry RankSector 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%
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's Profit Margin of 11.52% is in line compared to the rest of the industry. DTD2 outperforms 58.93% of its industry peers.
  • DTD2's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 14.92%, DTD2 is doing good in the industry, outperforming 68.75% of the companies in the same industry.
  • In the last couple of years the Operating Margin of DTD2 has grown nicely.
  • The Gross Margin of DTD2 (94.19%) is better than 94.64% of its industry peers.
  • DTD2's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), DTD2 is destroying value.
  • Compared to 1 year ago, DTD2 has about the same amount of shares outstanding.
  • The number of shares outstanding for DTD2 remains at a similar level compared to 5 years ago.
  • 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 1.85 indicates that DTD2 is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 1.85, DTD2 is in line with its industry, outperforming 41.96% of the companies in the same industry.
  • 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 61.61% of its industry peers.
  • A Debt/Equity ratio of 0.26 indicates that DTD2 is not too dependend on debt financing.
  • DTD2 has a Debt to Equity ratio of 0.26. This is comparable to the rest of the industry: DTD2 outperforms 50.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.57
Altman-Z 1.85
ROIC/WACC0.94
WACC7.64%
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 1.07. 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: 65.18% of the companies in the same industry are doing better.
  • DTD2 has a Quick 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.
  • Looking at the Quick ratio, with a value of 1.07, DTD2 is doing worse than 62.50% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.07
Quick Ratio 1.07
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 17.40% over the past year.
  • DTD2 shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 347.95% yearly.
  • The Revenue has decreased by -0.92% in the past year.
  • 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

  • DTD2 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.87% yearly.
  • The Revenue is expected to grow by 3.15% on average over the next years.
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

  • 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.
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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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.70, the valuation of DTD2 can be described as reasonable.
  • Based on the Price/Earnings ratio, DTD2 is valued cheaper than 93.75% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.07. DTD2 is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 8.53, which indicates a very decent valuation of DTD2.
  • DTD2's Price/Forward Earnings ratio is rather cheap when compared to the industry. DTD2 is cheaper than 93.75% of the companies in the same industry.
  • DTD2 is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.7
Fwd PE 8.53
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 40

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 95.54% 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 98.21% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.86
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.
  • DTD2 has a very decent profitability rating, which may justify a higher PE ratio.
  • DTD2's earnings are expected to grow with 16.67% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
PEG (5Y)N/A
EPS Next 2Y21.27%
EPS Next 3Y16.67%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

B+S BANKSYSTEME AG

FRA:DTD2 (2/27/2026, 7:00:00 PM)

2

-0.02 (-0.99%)

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 Cap12.42M
Revenue(TTM)12.60M
Net Income(TTM)1.45M
Analysts82.86
Price Target4.79 (139.5%)
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)-4.08%
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)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 RankSector Rank
PE 8.7
Fwd PE 8.53
P/S 0.99
P/FCF 3.86
P/OCF 3.62
P/B 0.79
P/tB 3.62
EV/EBITDA 4.56
EPS(TTM)0.23
EY11.5%
EPS(NY)0.23
Fwd EY11.73%
FCF(TTM)0.52
FCFY25.92%
OCF(TTM)0.55
OCFY27.62%
SpS2.03
BVpS2.54
TBVpS0.55
PEG (NY)0.25
PEG (5Y)N/A
Graham Number3.62
Profitability
Industry RankSector 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 RankSector 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 1.85
F-Score7
WACC7.64%
ROIC/WACC0.94
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 Year81.25%
EBIT Next 3Y24.67%
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.