B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:DTD2 - DE0001262152 - Common Stock
2.34 EUR
+0.12 (+5.41%)
DTD2 gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 113 industry peers in the Software industry. DTD2 scores excellent on profitability, but there are some minor concerns on its financial health. DTD2 is valued quite cheap, while showing a decent growth score. This is a good combination! With these ratings, DTD2 could be worth investigating further 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.
DTD2 had positive earnings in each of the past 5 years.
DTD2 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.33%, DTD2 is in line with its industry, outperforming 55.75% of the companies in the same industry.
With a Return On Equity value of 9.20%, DTD2 perfoms like the industry average, outperforming 53.10% of the companies in the same industry.
With a decent Return On Invested Capital value of 7.21%, DTD2 is doing good in the industry, outperforming 61.06% of the companies in the same industry.
DTD2 had an Average Return On Invested Capital over the past 3 years of 5.01%. This is significantly below the industry average of 13.33%.
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
With a Profit Margin value of 11.52%, DTD2 perfoms like the industry average, outperforming 59.29% of the companies in the same industry.
In the last couple of years the Profit Margin of DTD2 has grown nicely.
With a decent Operating Margin value of 14.92%, DTD2 is doing good in the industry, outperforming 66.37% 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 94.69% 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.
The number of shares outstanding for DTD2 remains at a similar level compared to 1 year ago.
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.
2.2 Solvency
DTD2 has an Altman-Z score of 1.97. 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.
DTD2 has a Altman-Z score of 1.97. This is in the lower half of the industry: DTD2 underperforms 61.95% of its industry peers.
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.
DTD2 has a better Debt to FCF ratio (1.57) than 68.14% 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 has a Debt to Equity ratio (0.26) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.57 | ||
| Altman-Z | 1.97 |
ROIC/WACC0.94
WACC7.66%
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.
DTD2's Current ratio of 1.07 is on the low side compared to the rest of the industry. DTD2 is outperformed by 66.37% of its industry peers.
A Quick Ratio of 1.07 indicates that DTD2 should not have too much problems paying its short term obligations.
DTD2's Quick ratio of 1.07 is on the low side compared to the rest of the industry. DTD2 is outperformed by 63.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.07 | ||
| Quick Ratio | 1.07 |
3. Growth
3.1 Past
DTD2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.40%, which is quite good.
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.
Looking at the last year, DTD2 shows a decrease in Revenue. The Revenue has decreased by -0.92% in the last year.
Measured over the past years, DTD2 shows a small growth in Revenue. The Revenue has been growing by 5.04% on average per year.
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 13.63% yearly.
DTD2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.85% yearly.
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
The Price/Earnings ratio is 10.17, which indicates a very decent valuation of DTD2.
Based on the Price/Earnings ratio, DTD2 is valued cheaply inside the industry as 91.15% of the companies are valued more expensively.
DTD2 is valuated cheaply when we compare the Price/Earnings ratio to 26.49, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.97 indicates a reasonable valuation of DTD2.
Based on the Price/Forward Earnings ratio, DTD2 is valued cheaply inside the industry as 92.04% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, DTD2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.17 | ||
| Fwd PE | 9.97 |
4.2 Price Multiples
DTD2's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. DTD2 is cheaper than 94.69% of the companies in the same industry.
97.35% of the companies in the same industry are more expensive than DTD2, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.51 | ||
| EV/EBITDA | 5.29 |
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)0.29
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 | N/A |
FRA:DTD2 (12/5/2025, 7:00:00 PM)
2.34
+0.12 (+5.41%)
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 Cap14.53M
Revenue(TTM)12.60M
Net Income(TTM)1.45M
Analysts82.86
Price Target5 (113.68%)
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)8.89%
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 | 10.17 | ||
| Fwd PE | 9.97 | ||
| P/S | 1.15 | ||
| P/FCF | 4.51 | ||
| P/OCF | 4.24 | ||
| P/B | 0.92 | ||
| P/tB | 4.23 | ||
| EV/EBITDA | 5.29 |
EPS(TTM)0.23
EY9.83%
EPS(NY)0.23
Fwd EY10.03%
FCF(TTM)0.52
FCFY22.15%
OCF(TTM)0.55
OCFY23.61%
SpS2.03
BVpS2.54
TBVpS0.55
PEG (NY)0.29
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 | 1.97 |
F-Score7
WACC7.66%
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 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.
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 10.17 and the Price/Book (PB) ratio is 0.92.
How financially healthy is B+S BANKSYSTEME AG?
The financial health rating of B+S BANKSYSTEME AG (DTD2.DE) is 5 / 10.