B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:DTD2 - DE0001262152 - Common Stock
2.08 EUR
0 (0%)
Taking everything into account, DTD2 scores 6 out of 10 in our fundamental rating. DTD2 was compared to 105 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
In the past year DTD2 was profitable.
In the past year DTD2 had a positive cash flow from operations.
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
DTD2 has a Return On Assets of 5.33%. This is comparable to the rest of the industry: DTD2 outperforms 56.19% of its industry peers.
With a Return On Equity value of 9.20%, DTD2 perfoms like the industry average, outperforming 51.43% 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 60.95% 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 13.30%.
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 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
Looking at the Profit Margin, with a value of 11.52%, DTD2 is in line with its industry, outperforming 59.05% 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 66.67% of its industry peers.
DTD2's Operating Margin has improved in the last couple of years.
DTD2's Gross Margin of 94.19% is amongst the best of the industry. DTD2 outperforms 94.29% 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 just above the Cost of Capital (WACC), so DTD2 is still creating some value.
Compared to 1 year ago, DTD2 has about the same amount of shares outstanding.
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
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.
With a Altman-Z score value of 1.88, DTD2 is not doing good in the industry: 62.86% of the companies in the same industry are doing better.
The Debt to FCF ratio of DTD2 is 1.57, which is an excellent value as it means it would take DTD2, only 1.57 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of DTD2 (1.57) is better than 66.67% 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.
Looking at the Debt to Equity ratio, with a value of 0.26, DTD2 is in line with its industry, outperforming 53.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.57 | ||
| Altman-Z | 1.88 |
ROIC/WACC1.01
WACC7.11%
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 64.76% of its industry peers.
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.
DTD2 has a Quick ratio of 1.07. This is in the lower half of the industry: DTD2 underperforms 62.86% 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.
DTD2 shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 347.95% yearly.
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
Based on estimates for the next years, DTD2 will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.63% on average per year.
Based on estimates for the next years, DTD2 will show a small growth in Revenue. The Revenue will grow by 3.85% on average per year.
EPS Next Y35.29%
EPS Next 2Y21.27%
EPS Next 3Y16.67%
EPS Next 5Y13.63%
Revenue Next Year4%
Revenue Next 2Y3.92%
Revenue Next 3Y3.85%
Revenue Next 5Y3.85%
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
With a Price/Earnings ratio of 9.04, the valuation of DTD2 can be described as very reasonable.
Based on the Price/Earnings ratio, DTD2 is valued cheaply inside the industry as 94.29% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.51, DTD2 is valued rather cheaply.
A Price/Forward Earnings ratio of 8.87 indicates a reasonable valuation of DTD2.
Based on the Price/Forward Earnings ratio, DTD2 is valued cheaper than 93.33% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, DTD2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.04 | ||
| Fwd PE | 8.87 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, DTD2 is valued cheaper than 95.24% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, DTD2 is valued cheaper than 98.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.01 | ||
| EV/EBITDA | 4.74 |
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.
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 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
DTD2 does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:DTD2 (12/29/2025, 7:00:00 PM)
2.08
0 (0%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners3.95%
Inst Owner ChangeN/A
Ins Owners56.39%
Ins Owner ChangeN/A
Market Cap12.92M
Revenue(TTM)12.60M
Net Income(TTM)1.45M
Analysts82.86
Price Target5 (140.38%)
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)15%
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 | 9.04 | ||
| Fwd PE | 8.87 | ||
| P/S | 1.03 | ||
| P/FCF | 4.01 | ||
| P/OCF | 3.76 | ||
| P/B | 0.82 | ||
| P/tB | 3.76 | ||
| EV/EBITDA | 4.74 |
EPS(TTM)0.23
EY11.06%
EPS(NY)0.23
Fwd EY11.28%
FCF(TTM)0.52
FCFY24.92%
OCF(TTM)0.55
OCFY26.56%
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 | 1.88 |
F-Score7
WACC7.11%
ROIC/WACC1.01
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 5Y13.63%
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 5Y3.85%
EBIT growth 1Y7.49%
EBIT growth 3Y66.38%
EBIT growth 5YN/A
EBIT Next Year87.5%
EBIT Next 3Y25.99%
EBIT Next 5Y16.42%
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.