B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - FRA:DTD2 - DE0001262152 - Common Stock
2.22 EUR
+0.1 (+4.72%)
Overall DTD2 gets a fundamental rating of 5 out of 10. We evaluated DTD2 against 107 industry peers in the Software industry. While DTD2 is still in line with the averages on profitability rating, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on DTD2.
1. Profitability
1.1 Basic Checks
In the past year DTD2 was profitable.
In the past year DTD2 had a positive cash flow from operations.
DTD2 had positive earnings in 4 of the past 5 years.
Each year in the past 5 years DTD2 had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 6.15%, DTD2 perfoms like the industry average, outperforming 58.88% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.23%, DTD2 is in line with its industry, outperforming 58.88% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 8.15%, DTD2 is in the better half of the industry, outperforming 62.62% 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 13.52%.
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.
DTD2 has a Operating Margin of 17.40%. This is in the better half of the industry: DTD2 outperforms 70.09% of its industry peers.
DTD2's Operating Margin has improved in the last couple of years.
DTD2 has a better Gross Margin (91.19%) than 88.78% 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.
The number of shares outstanding for DTD2 remains at a similar level compared to 5 years ago.
DTD2 has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 1.81 indicates that DTD2 is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 1.81, 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.
DTD2 has a Debt to FCF ratio (4.34) which is comparable to the rest of the industry.
DTD2 has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
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 | 1.81 |
ROIC/WACC1.12
WACC7.25%
2.3 Liquidity
DTD2 has a Current 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 Current ratio (0.99) than 71.03% of its industry peers.
A Quick Ratio of 0.99 indicates that DTD2 may have some problems paying its short term obligations.
The Quick ratio of DTD2 (0.99) is worse than 67.29% 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.
Measured over the past years, DTD2 shows a very strong growth in Earnings Per Share. The EPS has been growing by 86.02% on average per year.
DTD2 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.82%.
Measured over the past years, DTD2 shows a small growth in Revenue. The Revenue has been growing by 7.04% on average per year.
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
Based on estimates for the next years, DTD2 will show a very strong growth in Earnings Per Share. The EPS will grow by 20.41% on average per year.
DTD2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.94% yearly.
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
A Price/Earnings ratio of 8.22 indicates a reasonable valuation of DTD2.
Based on the Price/Earnings ratio, DTD2 is valued cheaply inside the industry as 93.46% of the companies are valued more expensively.
DTD2's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.07.
A Price/Forward Earnings ratio of 10.88 indicates a reasonable valuation of DTD2.
Compared to the rest of the industry, the Price/Forward Earnings ratio of DTD2 indicates a rather cheap valuation: DTD2 is cheaper than 89.72% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.08. DTD2 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.22 | ||
| Fwd PE | 10.88 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, DTD2 is valued cheaply inside the industry as 94.39% of the companies are valued more expensively.
90.65% of the companies in the same industry are more expensive than DTD2, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.86 | ||
| EV/EBITDA | 5.48 |
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.
The decent profitability rating of DTD2 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)0.09
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 (11/20/2025, 7:00:00 PM)
2.22
+0.1 (+4.72%)
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)12.90M
Net Income(TTM)1.71M
Analysts82.86
Price Target4.59 (106.76%)
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 | 8.22 | ||
| Fwd PE | 10.88 | ||
| P/S | 1.07 | ||
| P/FCF | 10.86 | ||
| P/OCF | 11.17 | ||
| P/B | 0.91 | ||
| P/tB | 4.82 | ||
| EV/EBITDA | 5.48 |
EPS(TTM)0.27
EY12.16%
EPS(NY)0.2
Fwd EY9.19%
FCF(TTM)0.2
FCFY9.21%
OCF(TTM)0.2
OCFY8.95%
SpS2.08
BVpS2.45
TBVpS0.46
PEG (NY)0.09
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 | 1.81 |
F-Score6
WACC7.25%
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 8.22 and the Price/Book (PB) ratio is 0.91.
How financially healthy is B+S BANKSYSTEME AG?
The financial health rating of B+S BANKSYSTEME AG (DTD2.DE) is 3 / 10.