B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:DTD2 - DE0001262152 - Common Stock
1.95 EUR
-0.04 (-2.01%)
DTD2 gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 115 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 With these ratings, DTD2 could be worth investigating further for value investing!.
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 each of the past 5 years.
DTD2 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
DTD2's Return On Assets of 5.33% is in line compared to the rest of the industry. DTD2 outperforms 55.17% of its industry peers.
The Return On Equity of DTD2 (9.20%) is comparable to the rest of the industry.
DTD2 has a better Return On Invested Capital (7.21%) than 61.21% 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 12.73%.
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
With a Profit Margin value of 11.52%, DTD2 perfoms like the industry average, outperforming 58.62% of the companies in the same industry.
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 68.10% of the companies in the same industry.
In the last couple of years the Operating Margin of DTD2 has grown nicely.
DTD2 has a better Gross Margin (94.19%) than 95.69% 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 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
DTD2 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying 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.
The debt/assets ratio for DTD2 has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 1.84 indicates that DTD2 is not a great score, but indicates only limited risk for bankruptcy at the moment.
With a Altman-Z score value of 1.84, DTD2 is not doing good in the industry: 65.52% of the companies in the same industry are doing better.
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.
DTD2 has a better Debt to FCF ratio (1.57) than 64.66% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.57 | ||
| Altman-Z | 1.84 |
ROIC/WACC0.97
WACC7.45%
2.3 Liquidity
A Current Ratio of 1.07 indicates that DTD2 should not have too much problems paying its short term obligations.
DTD2's Current ratio of 1.07 is on the low side compared to the rest of the industry. DTD2 is outperformed by 67.24% of its industry peers.
A Quick Ratio of 1.07 indicates that DTD2 should not have too much problems paying its short term obligations.
DTD2 has a Quick ratio of 1.07. This is in the lower half of the industry: DTD2 underperforms 64.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.07 | ||
| Quick Ratio | 1.07 |
3. Growth
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.
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 quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.63% yearly.
DTD2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.85% yearly.
EPS Next Y35.29%
EPS Next 2Y21.27%
EPS Next 3Y16.67%
EPS Next 5Y13.63%
Revenue Next Year4%
Revenue Next 2Y3.92%
Revenue Next 3Y3.85%
Revenue Next 5Y3.85%
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
The Price/Earnings ratio is 8.48, which indicates a very decent valuation of DTD2.
Based on the Price/Earnings ratio, DTD2 is valued cheaper than 93.97% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.38, DTD2 is valued rather cheaply.
DTD2 is valuated reasonably with a Price/Forward Earnings ratio of 8.31.
Based on the Price/Forward Earnings ratio, DTD2 is valued cheaper than 91.38% 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 23.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.48 | ||
| Fwd PE | 8.31 |
4.2 Price Multiples
96.55% of the companies in the same industry are more expensive than DTD2, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, DTD2 is valued cheaper than 98.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.76 | ||
| EV/EBITDA | 4.46 |
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.
A more expensive valuation may be justified as DTD2's earnings are expected to grow with 16.67% in the coming years.
PEG (NY)0.24
PEG (5Y)N/A
EPS Next 2Y21.27%
EPS Next 3Y16.67%
5. Dividend
5.1 Amount
DTD2 does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:DTD2 (12/19/2025, 7:00:00 PM)
1.95
-0.04 (-2.01%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners3.95%
Inst Owner ChangeN/A
Ins Owners56.39%
Ins Owner ChangeN/A
Market Cap12.11M
Revenue(TTM)12.60M
Net Income(TTM)1.45M
Analysts82.86
Price Target5 (156.41%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)8.89%
PT rev (3m)8.89%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)15%
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)-2.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.48 | ||
| Fwd PE | 8.31 | ||
| P/S | 0.96 | ||
| P/FCF | 3.76 | ||
| P/OCF | 3.53 | ||
| P/B | 0.77 | ||
| P/tB | 3.53 | ||
| EV/EBITDA | 4.46 |
EPS(TTM)0.23
EY11.79%
EPS(NY)0.23
Fwd EY12.03%
FCF(TTM)0.52
FCFY26.58%
OCF(TTM)0.55
OCFY28.33%
SpS2.03
BVpS2.54
TBVpS0.55
PEG (NY)0.24
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 | 1.84 |
F-Score7
WACC7.45%
ROIC/WACC0.97
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 5Y13.63%
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 5Y3.85%
EBIT growth 1Y7.49%
EBIT growth 3Y66.38%
EBIT growth 5YN/A
EBIT Next Year87.5%
EBIT Next 3Y25.99%
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 6 / 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 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 8.48 and the Price/Book (PB) ratio is 0.77.
How financially healthy is B+S BANKSYSTEME AG?
The financial health rating of B+S BANKSYSTEME AG (DTD2.DE) is 5 / 10.