B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:DTD2 - DE0001262152 - Common Stock
2.14 EUR
0 (0%)
Overall DTD2 gets a fundamental rating of 5 out of 10. We evaluated DTD2 against 114 industry peers in the Software industry. DTD2 scores excellent on profitability, but there are concerns on its financial health. DTD2 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year DTD2 was profitable.
DTD2 had a positive operating cash flow in the past year.
DTD2 had positive earnings in 4 of the past 5 years.
Each year in the past 5 years DTD2 had a positive operating cash flow.
1.2 Ratios
DTD2 has a Return On Assets of 6.15%. This is in the better half of the industry: DTD2 outperforms 61.40% of its industry peers.
DTD2 has a Return On Equity of 11.23%. This is in the better half of the industry: DTD2 outperforms 61.40% of its industry peers.
DTD2 has a Return On Invested Capital of 8.15%. This is in the better half of the industry: DTD2 outperforms 64.91% of its industry peers.
The Average Return On Invested Capital over the past 3 years for DTD2 is significantly below the industry average of 13.10%.
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
DTD2's Profit Margin of 13.23% is fine compared to the rest of the industry. DTD2 outperforms 62.28% of its industry peers.
DTD2's Profit Margin has improved in the last couple of years.
DTD2 has a Operating Margin of 17.40%. This is in the better half of the industry: DTD2 outperforms 71.05% of its industry peers.
DTD2's Operating Margin has improved in the last couple of years.
DTD2 has a Gross Margin of 91.19%. This is amongst the best in the industry. DTD2 outperforms 89.47% 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
DTD2 has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for DTD2 remains at a similar level compared to 1 year ago.
DTD2 has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, DTD2 has an improved debt to assets ratio.
2.2 Solvency
DTD2 has an Altman-Z score of 1.82. 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 (1.82) which is comparable to the rest of the industry.
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.
Looking at the Debt to FCF ratio, with a value of 4.34, DTD2 is in line with its industry, outperforming 57.89% of the companies in the same industry.
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 47.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 4.34 | ||
| Altman-Z | 1.82 |
ROIC/WACC1.15
WACC7.11%
2.3 Liquidity
A Current Ratio of 0.99 indicates that DTD2 may have some problems paying its short term obligations.
With a Current ratio value of 0.99, DTD2 is not doing good in the industry: 68.42% of the companies in the same industry are doing better.
A Quick Ratio of 0.99 indicates that DTD2 may have some problems paying its short term obligations.
DTD2's Quick ratio of 0.99 is on the low side compared to the rest of the industry. DTD2 is outperformed by 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
DTD2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 108.91%, which is quite impressive.
The Earnings Per Share has been growing by 86.02% on average over the past years. This is a very strong growth
The Revenue has grown by 8.82% in the past year. This is quite good.
DTD2 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.04% yearly.
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
The Earnings Per Share is expected to grow by 20.41% on average over the next years. This is a very strong growth
DTD2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.94% yearly.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.93 indicates a rather cheap valuation of DTD2.
Based on the Price/Earnings ratio, DTD2 is valued cheaper than 92.98% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.15. DTD2 is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.49 indicates a reasonable valuation of DTD2.
DTD2's Price/Forward Earnings ratio is rather cheap when compared to the industry. DTD2 is cheaper than 90.35% of the companies in the same industry.
DTD2's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.93 | ||
| Fwd PE | 10.49 |
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 94.74% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, DTD2 is valued cheaper than 91.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.46 | ||
| EV/EBITDA | 5.52 |
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 27.72% in the coming years.
PEG (NY)0.09
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 (11/27/2025, 7:00:00 PM)
2.14
0 (0%)
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 Cap13.29M
Revenue(TTM)12.90M
Net Income(TTM)1.71M
Analysts82.86
Price Target5 (133.64%)
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)35.29%
EPS NY rev (3m)35.29%
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 | 7.93 | ||
| Fwd PE | 10.49 | ||
| P/S | 1.03 | ||
| P/FCF | 10.46 | ||
| P/OCF | 10.77 | ||
| P/B | 0.87 | ||
| P/tB | 4.65 | ||
| EV/EBITDA | 5.52 |
EPS(TTM)0.27
EY12.62%
EPS(NY)0.2
Fwd EY9.53%
FCF(TTM)0.2
FCFY9.56%
OCF(TTM)0.2
OCFY9.29%
SpS2.08
BVpS2.45
TBVpS0.46
PEG (NY)0.09
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 | 1.82 |
F-Score6
WACC7.11%
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 7.93 and the Price/Book (PB) ratio is 0.87.
How financially healthy is B+S BANKSYSTEME AG?
The financial health rating of B+S BANKSYSTEME AG (DTD2.DE) is 3 / 10.