B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - FRA:DTD2 - DE0001262152 - Common Stock
1.95 EUR
+0.06 (+3.17%)
Overall DTD2 gets a fundamental rating of 5 out of 10. We evaluated DTD2 against 107 industry peers in the Software industry. DTD2 has a medium profitability rating, but doesn't score so well on its financial health evaluation. DTD2 may be a bit undervalued, certainly considering the very reasonable score on growth
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.
In the past 5 years DTD2 always reported a positive cash flow from operatings.
1.2 Ratios
DTD2 has a Return On Assets (6.15%) which is comparable to the rest of the industry.
DTD2 has a Return On Equity of 11.23%. This is comparable to the rest of the industry: DTD2 outperforms 58.88% of its industry peers.
DTD2 has a better Return On Invested Capital (8.15%) than 62.62% 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 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 63.55% of its industry peers.
DTD2's Profit Margin has improved in the last couple of years.
The Operating Margin of DTD2 (17.40%) is better than 70.09% of its industry peers.
In the last couple of years the Operating Margin of DTD2 has grown nicely.
With an excellent Gross Margin value of 91.19%, DTD2 belongs to the best of the industry, outperforming 88.78% of the companies in the same industry.
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.
DTD2 has about the same amout of shares outstanding than it did 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 1.76. This is a bad value and indicates that DTD2 is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.76, DTD2 is doing worse than 62.62% of the companies in the same 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.
With a Debt to FCF ratio value of 4.34, DTD2 perfoms like the industry average, outperforming 57.94% of the companies in the same industry.
A Debt/Equity ratio of 0.30 indicates that DTD2 is not too dependend on debt financing.
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/WACC1.12
WACC7.27%
2.3 Liquidity
A Current Ratio of 0.99 indicates that DTD2 may have some problems paying its short term obligations.
DTD2 has a Current ratio of 0.99. This is in the lower half of the industry: DTD2 underperforms 71.03% 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 Quick ratio of 0.99. This is in the lower half of the industry: DTD2 underperforms 67.29% 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.
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
The Earnings Per Share is expected to grow by 20.41% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 3.94% on average over the next years.
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.
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
The Price/Earnings ratio is 7.22, which indicates a rather cheap valuation of DTD2.
Based on the Price/Earnings ratio, DTD2 is valued cheaply inside the industry as 95.33% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of DTD2 to the average of the S&P500 Index (25.89), we can say DTD2 is valued rather cheaply.
The Price/Forward Earnings ratio is 9.56, which indicates a very decent valuation of DTD2.
Based on the Price/Forward Earnings ratio, DTD2 is valued cheaply inside the industry as 91.59% of the companies are valued more expensively.
DTD2's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.22 | ||
| Fwd PE | 9.56 |
4.2 Price Multiples
DTD2's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. DTD2 is cheaper than 95.33% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, DTD2 is valued cheaply inside the industry as 90.65% of the companies are valued more expensively.
| 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.
DTD2 has a very decent profitability rating, which 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
DTD2 does not give a dividend.
| 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
WACC7.27%
ROIC/WACC1.12
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 6 / 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.