B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - FRA:DTD2 - DE0001262152 - Common Stock
1.95 EUR
+0.06 (+3.17%)
We assign a fundamental rating of 5 out of 10 to DTD2. DTD2 was compared to 107 industry peers in the Software industry. There are concerns on the financial health of DTD2 while its profitability can be described as average. A decent growth rate in combination with a cheap valuation! Better keep an eye on DTD2.
1. Profitability
1.1 Basic Checks
DTD2 had positive earnings in the past year.
In the past year DTD2 had a positive cash flow from operations.
Of the past 5 years DTD2 4 years were profitable.
DTD2 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
DTD2's Return On Assets of 6.15% is in line compared to the rest of the industry. DTD2 outperforms 59.46% of its industry peers.
DTD2 has a Return On Equity (11.23%) which is in line with its industry peers.
DTD2's Return On Invested Capital of 8.15% is fine compared to the rest of the industry. DTD2 outperforms 63.06% of its industry peers.
DTD2 had an Average Return On Invested Capital over the past 3 years of 2.95%. This is significantly below the industry average of 13.52%.
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 has a better Profit Margin (13.23%) than 63.06% of its industry peers.
In the last couple of years the Profit Margin of DTD2 has grown nicely.
DTD2 has a Operating Margin of 17.40%. This is in the better half of the industry: DTD2 outperforms 70.27% of its industry peers.
In the last couple of years the Operating Margin of DTD2 has grown nicely.
DTD2 has a Gross Margin of 91.19%. This is amongst the best in the industry. DTD2 outperforms 90.09% of its industry peers.
DTD2's Gross Margin has declined in the last couple of years.
| 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.
Compared to 1 year ago, DTD2 has about the same amount of shares outstanding.
DTD2 has about the same amout of shares outstanding than it did 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 1.76. This is a bad value and indicates that DTD2 is not financially healthy and even has some risk of bankruptcy.
DTD2's Altman-Z score of 1.76 is on the low side compared to the rest of the industry. DTD2 is outperformed by 63.96% of its industry peers.
DTD2 has a debt to FCF ratio of 4.34. This is a neutral value as DTD2 would need 4.34 years to pay back of all of its debts.
DTD2 has a Debt to FCF ratio (4.34) which is in line with its industry peers.
DTD2 has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of DTD2 (0.30) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 4.34 | ||
| Altman-Z | 1.76 |
ROIC/WACC1.15
WACC7.06%
2.3 Liquidity
A Current Ratio of 0.99 indicates that DTD2 may have some problems paying its short term obligations.
DTD2 has a worse Current ratio (0.99) than 72.07% of its industry peers.
DTD2 has a Quick Ratio of 0.99. This is a bad value and indicates that DTD2 is not financially healthy enough and could expect problems in meeting its short term obligations.
DTD2 has a worse Quick ratio (0.99) than 69.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 108.91% over the past year.
The Earnings Per Share has been growing by 86.02% on average over the past years. This is a very strong growth
Looking at the last year, DTD2 shows a quite strong growth in Revenue. The Revenue has grown by 8.82% in the last year.
The Revenue has been growing slightly by 7.04% on average over the past years.
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
Based on estimates for the next years, DTD2 will show a very strong growth in Earnings Per Share. The EPS will grow by 20.41% on average per year.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.22, the valuation of DTD2 can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of DTD2 indicates a rather cheap valuation: DTD2 is cheaper than 95.50% of the companies listed in the same industry.
DTD2 is valuated cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.56 indicates a reasonable valuation of DTD2.
Based on the Price/Forward Earnings ratio, DTD2 is valued cheaper than 92.79% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of DTD2 to the average of the S&P500 Index (34.59), we can say DTD2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.22 | ||
| Fwd PE | 9.56 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, DTD2 is valued cheaply inside the industry as 96.40% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of DTD2 indicates a rather cheap valuation: DTD2 is cheaper than 91.89% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.54 | ||
| EV/EBITDA | 5.15 |
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.
DTD2's earnings are expected to grow with 27.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y29.1%
EPS Next 3Y27.72%
5. Dividend
5.1 Amount
No dividends for DTD2!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:DTD2 (11/14/2025, 7:00:00 PM)
1.95
+0.06 (+3.17%)
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 Cap12.11M
Revenue(TTM)12.90M
Net Income(TTM)1.71M
Analysts82.86
Price Target4.59 (135.38%)
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)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)35.29%
EPS NY rev (3m)21.05%
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 | 7.22 | ||
| Fwd PE | 9.56 | ||
| P/S | 0.94 | ||
| P/FCF | 9.54 | ||
| P/OCF | 9.81 | ||
| P/B | 0.8 | ||
| P/tB | 4.23 | ||
| EV/EBITDA | 5.15 |
EPS(TTM)0.27
EY13.85%
EPS(NY)0.2
Fwd EY10.46%
FCF(TTM)0.2
FCFY10.49%
OCF(TTM)0.2
OCFY10.19%
SpS2.08
BVpS2.45
TBVpS0.46
PEG (NY)0.08
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 | 1.76 |
F-Score6
WACC7.06%
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 7.22 and the Price/Book (PB) ratio is 0.8.
How financially healthy is B+S BANKSYSTEME AG?
The financial health rating of B+S BANKSYSTEME AG (DTD2.DE) is 3 / 10.