B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - FRA:DTD2 - DE0001262152 - Common Stock
1.93 EUR
0 (0%)
DTD2 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 103 industry peers in the Software industry. While DTD2 belongs to the best of the industry regarding profitability, there are concerns on its financial health. DTD2 is valued quite cheap, while showing a decent growth score. This is a good 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.
Of the past 5 years DTD2 4 years were profitable.
In the past 5 years DTD2 always reported a positive cash flow from operatings.
1.2 Ratios
DTD2's Return On Assets of 6.15% is fine compared to the rest of the industry. DTD2 outperforms 63.11% of its industry peers.
Looking at the Return On Equity, with a value of 11.23%, DTD2 is in the better half of the industry, outperforming 65.05% of the companies in the same industry.
With a decent Return On Invested Capital value of 8.15%, DTD2 is doing good in the industry, outperforming 66.02% 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 12.80%.
The last Return On Invested Capital (8.15%) for DTD2 is above the 3 year average (2.95%), which is a sign of increasing profitability.
| 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 Profit Margin of 13.23%. This is in the better half of the industry: DTD2 outperforms 62.14% 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 71.84% of its industry peers.
In the last couple of years the Operating Margin of DTD2 has grown nicely.
DTD2 has a better Gross Margin (91.19%) than 90.29% 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so DTD2 is still creating some value.
The number of shares outstanding for DTD2 remains at a similar level compared to 1 year ago.
Compared to 5 years ago, DTD2 has about the same amount of shares outstanding.
DTD2 has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.76, we must say that DTD2 is in the distress zone and has some risk of bankruptcy.
DTD2 has a Altman-Z score of 1.76. This is in the lower half of the industry: DTD2 underperforms 64.08% of its industry peers.
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.
DTD2 has a Debt to FCF ratio (4.34) which is comparable to the rest of the 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 48.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 4.34 | ||
| Altman-Z | 1.76 |
ROIC/WACC1.16
WACC7.01%
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: 66.99% of the companies in the same industry are doing better.
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 66.02% 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
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 16.07% on average over the next years. This is quite good.
Based on estimates for the next years, DTD2 will show a small growth in Revenue. The Revenue will grow by 4.35% on average per year.
EPS Next Y41.67%
EPS Next 2Y29.1%
EPS Next 3Y20.51%
EPS Next 5Y16.07%
Revenue Next Year3.31%
Revenue Next 2Y4.84%
Revenue Next 3Y4.73%
Revenue Next 5Y4.35%
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
The Price/Earnings ratio is 7.15, which indicates a rather cheap valuation of DTD2.
DTD2's Price/Earnings ratio is rather cheap when compared to the industry. DTD2 is cheaper than 98.06% 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 27.20.
DTD2 is valuated reasonably with a Price/Forward Earnings ratio of 9.46.
Based on the Price/Forward Earnings ratio, DTD2 is valued cheaper than 94.17% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of DTD2 to the average of the S&P500 Index (22.71), we can say DTD2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.15 | ||
| Fwd PE | 9.46 |
4.2 Price Multiples
DTD2's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. DTD2 is cheaper than 95.15% 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 91.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.44 | ||
| EV/EBITDA | 5.11 |
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 20.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y29.1%
EPS Next 3Y20.51%
5. Dividend
5.1 Amount
DTD2 does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:DTD2 (9/16/2025, 7:00:00 PM)
1.93
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 Cap11.99M
Analysts82.86
Price Target4.59 (137.82%)
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)-10.53%
EPS NY rev (3m)-10.53%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.15 | ||
| Fwd PE | 9.46 | ||
| P/S | 0.93 | ||
| P/FCF | 9.44 | ||
| P/OCF | 9.71 | ||
| P/B | 0.79 | ||
| P/tB | 4.19 | ||
| EV/EBITDA | 5.11 |
EPS(TTM)0.27
EY13.99%
EPS(NY)0.2
Fwd EY10.57%
FCF(TTM)0.2
FCFY10.6%
OCF(TTM)0.2
OCFY10.3%
SpS2.08
BVpS2.45
TBVpS0.46
PEG (NY)0.17
PEG (5Y)N/A
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
ROICexcg growth 3Y118.37%
ROICexcg 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
WACC7.01%
ROIC/WACC1.16
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 Y41.67%
EPS Next 2Y29.1%
EPS Next 3Y20.51%
EPS Next 5Y16.07%
Revenue 1Y (TTM)8.82%
Revenue growth 3Y6.8%
Revenue growth 5Y7.04%
Sales Q2Q%3.23%
Revenue Next Year3.31%
Revenue Next 2Y4.84%
Revenue Next 3Y4.73%
Revenue Next 5Y4.35%
EBIT growth 1Y270.46%
EBIT growth 3Y103.31%
EBIT growth 5YN/A
EBIT Next Year141.67%
EBIT Next 3Y37.21%
EBIT Next 5Y22.46%
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