B+S BANKSYSTEME AG (DTD2.DE) Fundamental Analysis & Valuation

FRA:DTD2 • DE0001262152

1.99 EUR
0 (0%)
Last: Mar 5, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This DTD2.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

6

DTD2 gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 116 industry peers in the Software industry. While DTD2 belongs to the best of the industry regarding profitability, 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!


Dividend Valuation Growth Profitability Health

7

1. DTD2.DE Profitability Analysis

1.1 Basic Checks

  • In the past year DTD2 was profitable.
  • In the past year DTD2 had a positive cash flow from operations.
  • In the past 5 years DTD2 has always been profitable.
  • Each year in the past 5 years DTD2 had a positive operating cash flow.
DTD2.DE Yearly Net Income VS EBIT VS OCF VS FCFDTD2.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1M -1M 2M 3M

1.2 Ratios

  • The Return On Assets of DTD2 (5.33%) is comparable to the rest of the industry.
  • DTD2 has a Return On Equity of 9.20%. This is comparable to the rest of the industry: DTD2 outperforms 54.31% of its industry peers.
  • DTD2 has a better Return On Invested Capital (7.21%) than 62.93% 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 12.58%.
  • 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 RankSector 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%
DTD2.DE Yearly ROA, ROE, ROICDTD2.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

1.3 Margins

  • The Profit Margin of DTD2 (11.52%) is better than 61.21% of its industry peers.
  • DTD2's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 14.92%, DTD2 is in the better half of the industry, outperforming 70.69% of the companies in the same industry.
  • DTD2's Operating Margin has improved in the last couple of years.
  • DTD2 has a Gross Margin of 94.19%. This is amongst the best in the industry. DTD2 outperforms 94.83% 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 RankSector 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%
DTD2.DE Yearly Profit, Operating, Gross MarginsDTD2.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. DTD2.DE Health Analysis

2.1 Basic Checks

  • DTD2 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • DTD2 has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, DTD2 has about the same amount of shares outstanding.
  • The debt/assets ratio for DTD2 has been reduced compared to a year ago.
DTD2.DE Yearly Shares OutstandingDTD2.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
DTD2.DE Yearly Total Debt VS Total AssetsDTD2.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

2.2 Solvency

  • DTD2 has an Altman-Z score of 1.85. 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's Altman-Z score of 1.85 is in line compared to the rest of the industry. DTD2 outperforms 41.38% 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.
  • Looking at the Debt to FCF ratio, with a value of 1.57, DTD2 is in the better half of the industry, outperforming 62.07% of the companies in the same industry.
  • 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 RankSector Rank
Debt/Equity 0.26
Debt/FCF 1.57
Altman-Z 1.85
ROIC/WACC0.94
WACC7.63%
DTD2.DE Yearly LT Debt VS Equity VS FCFDTD2.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M 10M 15M

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.
  • With a Current ratio value of 1.07, DTD2 is not doing good in the industry: 67.24% of the companies in the same industry are doing better.
  • DTD2 has a Quick 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.
  • With a Quick ratio value of 1.07, DTD2 is not doing good in the industry: 64.66% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 1.07
Quick Ratio 1.07
DTD2.DE Yearly Current Assets VS Current LiabilitesDTD2.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. DTD2.DE Growth Analysis

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.
  • DTD2 shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 347.95% yearly.
  • 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 12.87% yearly.
  • The Revenue is expected to grow by 3.15% on average over the next years.
EPS Next Y35.29%
EPS Next 2Y21.27%
EPS Next 3Y16.67%
EPS Next 5Y12.87%
Revenue Next Year4%
Revenue Next 2Y3.92%
Revenue Next 3Y3.85%
Revenue Next 5Y3.15%

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.
DTD2.DE Yearly Revenue VS EstimatesDTD2.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5M 10M 15M
DTD2.DE Yearly EPS VS EstimatesDTD2.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 0.1 0.2 0.3 0.4

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9

4. DTD2.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.65, the valuation of DTD2 can be described as very reasonable.
  • Based on the Price/Earnings ratio, DTD2 is valued cheaper than 93.97% of the companies in the same industry.
  • DTD2's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.29.
  • DTD2 is valuated reasonably with a Price/Forward Earnings ratio of 8.48.
  • Based on the Price/Forward Earnings ratio, DTD2 is valued cheaper than 93.10% 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 24.57.
Industry RankSector Rank
PE 8.65
Fwd PE 8.48
DTD2.DE Price Earnings VS Forward Price EarningsDTD2.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • 95.69% of the companies in the same industry are more expensive than DTD2, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of DTD2 indicates a rather cheap valuation: DTD2 is cheaper than 98.28% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.84
EV/EBITDA 4.54
DTD2.DE Per share dataDTD2.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2 2.5

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)0.25
PEG (5Y)N/A
EPS Next 2Y21.27%
EPS Next 3Y16.67%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. DTD2.DE Dividend Analysis

5.1 Amount

  • DTD2 does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

DTD2.DE Fundamentals: All Metrics, Ratios and Statistics

B+S BANKSYSTEME AG

FRA:DTD2 (3/5/2026, 7:00:00 PM)

1.99

0 (0%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-13
Earnings (Next)05-15
Inst Owners2.82%
Inst Owner ChangeN/A
Ins Owners56.39%
Ins Owner ChangeN/A
Market Cap12.36M
Revenue(TTM)12.60M
Net Income(TTM)1.45M
Analysts82.86
Price Target4.79 (140.7%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-4.08%
PT rev (3m)-4.08%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
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)0%
Valuation
Industry RankSector Rank
PE 8.65
Fwd PE 8.48
P/S 0.98
P/FCF 3.84
P/OCF 3.6
P/B 0.78
P/tB 3.6
EV/EBITDA 4.54
EPS(TTM)0.23
EY11.56%
EPS(NY)0.23
Fwd EY11.79%
FCF(TTM)0.52
FCFY26.05%
OCF(TTM)0.55
OCFY27.76%
SpS2.03
BVpS2.54
TBVpS0.55
PEG (NY)0.25
PEG (5Y)N/A
Graham Number3.62
Profitability
Industry RankSector 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 RankSector 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 1.85
F-Score7
WACC7.63%
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 5Y12.87%
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 5Y3.15%
EBIT growth 1Y7.49%
EBIT growth 3Y66.38%
EBIT growth 5YN/A
EBIT Next Year81.25%
EBIT Next 3Y24.67%
EBIT Next 5Y15.64%
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.


What is the valuation status of B+S BANKSYSTEME AG (DTD2.DE) stock?

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.


What is the financial health of B+S BANKSYSTEME AG (DTD2.DE) stock?

The financial health rating of B+S BANKSYSTEME AG (DTD2.DE) is 5 / 10.


Can you provide the expected EPS growth for DTD2 stock?

The Earnings per Share (EPS) of B+S BANKSYSTEME AG (DTD2.DE) is expected to grow by 35.29% in the next year.