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

FRA:DTD2 • DE0001262152

Current stock price

1.81 EUR
0 (0%)
Last:

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

7

1. DTD2.DE Profitability Analysis

1.1 Basic Checks

  • DTD2 had positive earnings in the past year.
  • DTD2 had a positive operating cash flow in the past year.
  • 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

  • Looking at the Return On Assets, with a value of 5.17%, DTD2 is in line with its industry, outperforming 58.62% of the companies in the same industry.
  • DTD2's Return On Equity of 8.76% is in line compared to the rest of the industry. DTD2 outperforms 56.90% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 7.48%, DTD2 is in the better half of the industry, outperforming 63.79% of the companies in the same industry.
  • DTD2 had an Average Return On Invested Capital over the past 3 years of 5.01%. This is significantly below the industry average of 12.77%.
  • The 3 year average ROIC (5.01%) for DTD2 is below the current ROIC(7.48%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.17%
ROE 8.76%
ROIC 7.48%
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 (11.01%) is better than 63.79% 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 14.99%, DTD2 is in the better half of the industry, outperforming 69.83% of the companies in the same industry.
  • DTD2's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 94.82%, DTD2 belongs to the top of the industry, outperforming 93.97% of the companies in the same industry.
  • In the last couple of years the Gross Margin of DTD2 has remained more or less at the same level.
Industry RankSector Rank
OM 14.99%
PM (TTM) 11.01%
GM 94.82%
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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5

2. DTD2.DE Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), DTD2 is destroying 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.
  • 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.
  • The Altman-Z score of DTD2 (1.85) is comparable to the rest of the industry.
  • The Debt to FCF ratio of DTD2 is 1.66, which is an excellent value as it means it would take DTD2, only 1.66 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 1.66, DTD2 is doing good in the industry, outperforming 62.07% of the companies in the same industry.
  • DTD2 has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
  • DTD2 has a Debt to Equity ratio of 0.22. This is comparable to the rest of the industry: DTD2 outperforms 59.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.66
Altman-Z 1.85
ROIC/WACC0.98
WACC7.66%
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

  • A Current Ratio of 1.17 indicates that DTD2 should not have too much problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 1.17, DTD2 is doing worse than 67.24% of the companies in the same industry.
  • DTD2 has a Quick Ratio of 1.17. 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 1.17, DTD2 is not doing good in the industry: 65.52% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 1.17
Quick Ratio 1.17
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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4

3. DTD2.DE Growth Analysis

3.1 Past

  • The earnings per share for DTD2 have decreased strongly by -14.87% in the last year.
  • Measured over the past years, DTD2 shows a very strong growth in Earnings Per Share. The EPS has been growing by 347.95% on average per year.
  • The Revenue has been growing slightly by 2.27% in the past year.
  • DTD2 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.04% yearly.
EPS 1Y (TTM)-14.87%
EPS 3Y347.95%
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)2.27%
Revenue growth 3Y4.36%
Revenue growth 5Y5.04%
Sales Q2Q%9.98%

3.2 Future

  • Based on estimates for the next years, DTD2 will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.95% on average per year.
  • Based on estimates for the next years, DTD2 will show a small growth in Revenue. The Revenue will grow by 3.88% on average per year.
EPS Next Y29.41%
EPS Next 2Y18.82%
EPS Next 3Y15.21%
EPS Next 5Y12.95%
Revenue Next Year4%
Revenue Next 2Y3.92%
Revenue Next 3Y3.85%
Revenue Next 5Y3.88%

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.
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

  • Based on the Price/Earnings ratio of 7.87, the valuation of DTD2 can be described as very cheap.
  • 94.83% of the companies in the same industry are more expensive than DTD2, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of DTD2 to the average of the S&P500 Index (25.23), we can say DTD2 is valued rather cheaply.
  • DTD2 is valuated cheaply with a Price/Forward Earnings ratio of 7.39.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of DTD2 indicates a rather cheap valuation: DTD2 is cheaper than 94.83% of the companies listed in the same industry.
  • DTD2 is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.28, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.87
Fwd PE 7.39
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

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 4.13
EV/EBITDA 4.42
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 15.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y18.82%
EPS Next 3Y15.21%

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0

5. DTD2.DE Dividend Analysis

5.1 Amount

  • No dividends for DTD2!.
Industry RankSector Rank
Dividend Yield 0%

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DTD2.DE Fundamentals: All Metrics, Ratios and Statistics

B+S BANKSYSTEME AG

FRA:DTD2 (3/20/2026, 7:00:00 PM)

1.81

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 Cap11.24M
Revenue(TTM)13.19M
Net Income(TTM)1.45M
Analysts82.86
Price Target4.79 (164.64%)
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)-4.35%
EPS NY rev (3m)-4.35%
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 7.87
Fwd PE 7.39
P/S 0.85
P/FCF 4.13
P/OCF 3.77
P/B 0.68
P/tB 2.64
EV/EBITDA 4.42
EPS(TTM)0.23
EY12.71%
EPS(NY)0.24
Fwd EY13.52%
FCF(TTM)0.44
FCFY24.23%
OCF(TTM)0.48
OCFY26.56%
SpS2.12
BVpS2.67
TBVpS0.69
PEG (NY)0.27
PEG (5Y)N/A
Graham Number3.72
Profitability
Industry RankSector Rank
ROA 5.17%
ROE 8.76%
ROCE 9.37%
ROIC 7.48%
ROICexc 8.46%
ROICexgc 24.93%
OM 14.99%
PM (TTM) 11.01%
GM 94.82%
FCFM 20.64%
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 Turnover0.47
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.66
Debt/EBITDA 1.18
Cap/Depr 25.36%
Cap/Sales 1.99%
Interest Coverage 7.64
Cash Conversion 99.14%
Profit Quality 187.41%
Current Ratio 1.17
Quick Ratio 1.17
Altman-Z 1.85
F-Score7
WACC7.66%
ROIC/WACC0.98
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)-14.87%
EPS 3Y347.95%
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y29.41%
EPS Next 2Y18.82%
EPS Next 3Y15.21%
EPS Next 5Y12.95%
Revenue 1Y (TTM)2.27%
Revenue growth 3Y4.36%
Revenue growth 5Y5.04%
Sales Q2Q%9.98%
Revenue Next Year4%
Revenue Next 2Y3.92%
Revenue Next 3Y3.85%
Revenue Next 5Y3.88%
EBIT growth 1Y-11.89%
EBIT growth 3Y66.38%
EBIT growth 5YN/A
EBIT Next Year81.25%
EBIT Next 3Y24.67%
EBIT Next 5Y15.76%
FCF growth 1Y55.69%
FCF growth 3Y30.94%
FCF growth 5Y11.39%
OCF growth 1Y63.65%
OCF growth 3Y32.44%
OCF growth 5Y10.38%

B+S BANKSYSTEME AG / DTD2.DE Fundamental Analysis 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 29.41% in the next year.