B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:DTD2 - DE0001262152 - Common Stock
2.22 EUR
-0.02 (-0.89%)
DTD2 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 116 industry peers in the Software industry. While DTD2 has a great profitability rating, there are some minor concerns on its financial health. DTD2 may be a bit undervalued, certainly considering the very reasonable score on growth These ratings would make DTD2 suitable for value investing!
1. Profitability
1.1 Basic Checks
In the past year DTD2 was profitable.
DTD2 had a positive operating cash flow in the past year.
In the past 5 years DTD2 has always been profitable.
In the past 5 years DTD2 always reported a positive cash flow from operatings.
1.2 Ratios
DTD2's Return On Assets of 5.33% is in line compared to the rest of the industry. DTD2 outperforms 56.90% of its industry peers.
The Return On Equity of DTD2 (9.20%) is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 7.21%, DTD2 is in the better half of the industry, outperforming 61.21% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for DTD2 is significantly below the industry average of 13.28%.
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 57.76% of the companies in the same industry.
In the last couple of years the Profit Margin of DTD2 has grown nicely.
DTD2's Operating Margin of 14.92% is fine compared to the rest of the industry. DTD2 outperforms 65.52% 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 93.97% of its industry peers.
DTD2's Gross Margin has been stable in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), DTD2 is destroying 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.
Compared to 1 year ago, DTD2 has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 1.93 indicates that DTD2 is not a great score, but indicates only limited risk for bankruptcy at the moment.
DTD2 has a Altman-Z score of 1.93. This is in the lower half of the industry: DTD2 underperforms 62.07% 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.
The Debt to FCF ratio of DTD2 (1.57) is better than 68.97% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that DTD2 is not too dependend on debt financing.
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 | 1.93 |
ROIC/WACC0.94
WACC7.65%
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 has a worse Current ratio (1.07) than 66.38% of its industry peers.
A Quick Ratio of 1.07 indicates that DTD2 should not have too much problems paying its short term obligations.
The Quick ratio of DTD2 (1.07) is worse than 63.79% 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.
The Revenue has decreased by -0.92% in the past year.
The Revenue has been growing slightly by 5.04% on average over the past years.
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 a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.97% yearly.
The Revenue is expected to grow by 3.68% on average over the next years.
EPS Next Y-13.04%
EPS Next 2Y4.26%
EPS Next 3Y5.72%
EPS Next 5Y6.97%
Revenue Next Year3.17%
Revenue Next 2Y3.51%
Revenue Next 3Y3.8%
Revenue Next 5Y3.68%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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
DTD2 is valuated reasonably with a Price/Earnings ratio of 9.65.
Compared to the rest of the industry, the Price/Earnings ratio of DTD2 indicates a rather cheap valuation: DTD2 is cheaper than 91.38% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.41, DTD2 is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.88, the valuation of DTD2 can be described as very reasonable.
90.52% of the companies in the same industry are more expensive than DTD2, based on the Price/Forward Earnings ratio.
DTD2's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.65 | ||
| Fwd PE | 10.88 |
4.2 Price Multiples
DTD2's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. DTD2 is cheaper than 95.69% of the companies in the same industry.
DTD2's Price/Free Cash Flow ratio is rather cheap when compared to the industry. DTD2 is cheaper than 98.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.28 | ||
| EV/EBITDA | 5.03 |
4.3 Compensation for Growth
DTD2 has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y4.26%
EPS Next 3Y5.72%
5. Dividend
5.1 Amount
No dividends for DTD2!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:DTD2 (12/3/2025, 7:00:00 PM)
2.22
-0.02 (-0.89%)
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 Cap13.79M
Revenue(TTM)12.60M
Net Income(TTM)1.45M
Analysts82.86
Price Target5 (125.23%)
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)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.26%
Revenue NY rev (3m)-2.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.65 | ||
| Fwd PE | 10.88 | ||
| P/S | 1.09 | ||
| P/FCF | 4.28 | ||
| P/OCF | 4.02 | ||
| P/B | 0.87 | ||
| P/tB | 4.01 | ||
| EV/EBITDA | 5.03 |
EPS(TTM)0.23
EY10.36%
EPS(NY)0.2
Fwd EY9.19%
FCF(TTM)0.52
FCFY23.35%
OCF(TTM)0.55
OCFY24.89%
SpS2.03
BVpS2.54
TBVpS0.55
PEG (NY)N/A
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 | 1.93 |
F-Score7
WACC7.65%
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 Y-13.04%
EPS Next 2Y4.26%
EPS Next 3Y5.72%
EPS Next 5Y6.97%
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y4.36%
Revenue growth 5Y5.04%
Sales Q2Q%-4.39%
Revenue Next Year3.17%
Revenue Next 2Y3.51%
Revenue Next 3Y3.8%
Revenue Next 5Y3.68%
EBIT growth 1Y7.49%
EBIT growth 3Y66.38%
EBIT growth 5YN/A
EBIT Next Year81.25%
EBIT Next 3Y26.27%
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 5 / 10 to DTD2.DE.
Can you provide the valuation status for B+S BANKSYSTEME AG?
ChartMill assigns a valuation rating of 7 / 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 9.65 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 5 / 10.