XTRA:DTD2

Stock Analysis Report

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Executive Summary

B+S Banksysteme Aktiengesellschaft develops and markets software solutions for banks and financial service providers. More Details


Snowflake Analysis

Fair value with moderate growth potential.

Share Price & News

How has B+S Banksysteme's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: DTD2's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

26.8%

DTD2

-6.1%

DE Software

-1.9%

DE Market


1 Year Return

27.9%

DTD2

9.0%

DE Software

0.2%

DE Market

Return vs Industry: DTD2 exceeded the German Software industry which returned 9% over the past year.

Return vs Market: DTD2 exceeded the German Market which returned 0.2% over the past year.


Shareholder returns

DTD2IndustryMarket
7 Day26.8%-6.1%-1.9%
30 Day70.1%-4.0%1.5%
90 Day43.4%-9.7%-0.5%
1 Year27.9%27.9%10.5%9.0%3.4%0.2%
3 Year-38.2%-38.2%33.8%28.4%-0.2%-9.0%
5 Year18.8%18.8%90.3%77.2%21.4%4.0%

Price Volatility Vs. Market

How volatile is B+S Banksysteme's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is B+S Banksysteme undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: DTD2 (€2.84) is trading below our estimate of fair value (€6.57)

Significantly Below Fair Value: DTD2 is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: DTD2 is unprofitable, so we can't compare its PE Ratio to the DE Software industry average.

PE vs Market: DTD2 is unprofitable, so we can't compare its PE Ratio to the German market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate DTD2's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: DTD2 is good value based on its PB Ratio (1.4x) compared to the DE Software industry average (3.4x).


Next Steps

Future Growth

How is B+S Banksysteme forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

58.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: DTD2 is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (0.2%).

Earnings vs Market: DTD2 is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: DTD2's is expected to become profitable in the next 3 years.

Revenue vs Market: DTD2's revenue (5.9% per year) is forecast to grow slower than the German market (6% per year).

High Growth Revenue: DTD2's revenue (5.9% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: DTD2's Return on Equity is forecast to be low in 3 years time (4.8%).


Next Steps

  • Explore growth companies in the Software industry.

Past Performance

How has B+S Banksysteme performed over the past 5 years?

-32.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: DTD2 is currently unprofitable.

Growing Profit Margin: DTD2 is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: DTD2 is unprofitable, and losses have increased over the past 5 years at a rate of 32.8% per year.

Accelerating Growth: Unable to compare DTD2's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: DTD2 is unprofitable, making it difficult to compare its past year earnings growth to the Software industry (37.9%).


Return on Equity

High ROE: DTD2 has a negative Return on Equity (-2.17%), as it is currently unprofitable.


Next Steps

Financial Health

How is B+S Banksysteme's financial position?


Financial Position Analysis

Short Term Liabilities: DTD2's short term assets (€4.2M) do not cover its short term liabilities (€7.3M).

Long Term Liabilities: DTD2's short term assets (€4.2M) do not cover its long term liabilities (€8.6M).


Debt to Equity History and Analysis

Debt Level: DTD2's debt to equity ratio (11.9%) is considered satisfactory.

Reducing Debt: DTD2's debt to equity ratio has reduced from 25.1% to 11.9% over the past 5 years.

Debt Coverage: DTD2's debt is well covered by operating cash flow (139.6%).

Interest Coverage: Insufficient data to determine if DTD2's interest payments on its debt are well covered by EBIT.


Balance Sheet


Next Steps

Dividend

What is B+S Banksysteme current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate DTD2's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate DTD2's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if DTD2's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if DTD2's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of DTD2's dividend in 3 years as they are not forecast to pay a notable one for the German market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?


CEO

B+S Banksysteme has no CEO, or we have no data on them.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

B+S Banksysteme Aktiengesellschaft's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: B+S Banksysteme Aktiengesellschaft
  • Ticker: DTD2
  • Exchange: XTRA
  • Founded: 1982
  • Industry: Application Software
  • Sector: Software
  • Market Cap: €17.636m
  • Shares outstanding: 6.21m
  • Website: https://bs-ag.com

Number of Employees


Location

  • B+S Banksysteme Aktiengesellschaft
  • Elsenheimerstrasse 57
  • Munich
  • Bavaria
  • 80687
  • Germany

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
DTD2DB (Deutsche Boerse AG)YesOrdinary SharesDEEURNov 1998
DTD2XTRA (XETRA Trading Platform)YesOrdinary SharesDEEURNov 1998
0NVULSE (London Stock Exchange)YesOrdinary SharesGBEURNov 1998

Biography

B+S Banksysteme Aktiengesellschaft develops and markets software solutions for banks and financial service providers. It offers software solutions in the areas of payments transactions; documentary transac ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/25 21:18
End of Day Share Price2020/10/23 00:00
Earnings2020/06/30
Annual Earnings2020/06/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.