Executive Summary
B+S Banksysteme Aktiengesellschaft develops and markets software solutions for banks and financial service providers. More Details
Rewards
Risk Analysis
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 is more volatile than 75% of German stocks over the past 3 months, typically moving +/- 9% a week.
Volatility Over Time: DTD2's weekly volatility (9%) has been stable over the past year, but is still higher than 75% of German stocks.
Market Performance
7 Day Return
1.1%
DTD2
-3.6%
DE Software
-2.1%
DE Market
1 Year Return
83.2%
DTD2
-3.6%
DE Software
17.6%
DE Market
Return vs Industry: DTD2 exceeded the German Software industry which returned -5.7% over the past year.
Return vs Market: DTD2 exceeded the German Market which returned 14.6% over the past year.
Shareholder returns
| DTD2 | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.1% | -3.6% | -2.1% |
| 30 Day | 51.6% | -6.2% | 1.0% |
| 90 Day | 48.0% | 2.2% | 6.6% |
| 1 Year | 83.2%83.2% | -2.3%-3.6% | 21.3%17.6% |
| 3 Year | -29.9%-29.9% | 31.5%26.1% | 17.4%7.1% |
| 5 Year | 87.5%87.5% | 63.6%52.3% | 42.8%22.5% |
Long-Term 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
1 year ago | Simply Wall St
Here’s why B+S Banksysteme Aktiengesellschaft’s (FRA:DTD2) Returns On Capital Matters So Much1 year ago | Simply Wall St
What Kind Of Shareholder Owns Most B+S Banksysteme Aktiengesellschaft (FRA:DTD2) Stock?1 year ago | Simply Wall St
B+S Banksysteme (FRA:DTD2) Takes On Some Risk With Its Use Of DebtValuation
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 (€3.7) is trading below our estimate of fair value (€7.97)
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 (1.9x) compared to the DE Software industry average (4.2x).
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?
67.2%
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 (0.07%).
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 (6.1% per year) is forecast to grow slower than the German market (6.1% per year).
High Growth Revenue: DTD2's revenue (6.1% 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 (4.2%).
Next Steps
Past Performance
How has B+S Banksysteme performed over the past 5 years?
-44.3%
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 44.3% 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 (34.6%).
Return on Equity
High ROE: DTD2 has a negative Return on Equity (-2.38%), 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 (€5.8M) do not cover its short term liabilities (€8.1M).
Long Term Liabilities: DTD2's short term assets (€5.8M) do not cover its long term liabilities (€8.5M).
Debt to Equity History and Analysis
Debt Level: DTD2's debt to equity ratio (11.7%) is considered satisfactory.
Reducing Debt: DTD2's debt to equity ratio has reduced from 28% to 11.7% over the past 5 years.
Debt Coverage: DTD2's debt is not well covered by operating cash flow (12.5%).
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: DB
- Founded: 1982
- Industry: Application Software
- Sector: Software
- Market Cap: €23.722m
- Shares outstanding: 6.21m
- Website: https://bs-ag.com
Number of Employees
Location
- B+S Banksysteme Aktiengesellschaft
- Elsenheimerstrasse 57
- Munich
- Bavaria
- 80687
- Germany
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| DTD2 | DB (Deutsche Boerse AG) | Yes | Ordinary Shares | DE | EUR | Nov 1998 |
| DTD2 | XTRA (XETRA Trading Platform) | Yes | Ordinary Shares | DE | EUR | Nov 1998 |
| 0NVU | LSE (London Stock Exchange) | Yes | Ordinary Shares | GB | EUR | Nov 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/02/26 19:23 |
| End of Day Share Price | 2021/02/25 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/06/30 |
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.