B+S Banksysteme Aktiengesellschaft develops and markets software solutions for banks and financial service providers. More Details
Reasonable growth potential and fair value.
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 90% of German stocks over the past 3 months, typically moving +/- 10% a week.
Volatility Over Time: DTD2's weekly volatility (10%) has been stable over the past year, but is still higher than 75% of German stocks.
7 Day Return
1 Year Return
Return vs Industry: DTD2 exceeded the German Software industry which returned -2.5% over the past year.
Return vs Market: DTD2 exceeded the German Market which returned 29.1% over the past year.
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
No news available
Is B+S Banksysteme undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: DTD2 (€3.56) is trading below our estimate of fair value (€4.61)
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 German 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 (1.8x) compared to the DE Software industry average (4x).
How is B+S Banksysteme forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
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 (0.01%).
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 (6.8% per year) is forecast to grow faster than the German market (5.6% per year).
High Growth Revenue: DTD2's revenue (6.8% 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 (6.2%).
How has B+S Banksysteme performed over the past 5 years?
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 44.4% 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 (13.9%).
Return on Equity
High ROE: DTD2 has a negative Return on Equity (-2.38%), as it is currently unprofitable.
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.
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.
How experienced are the management team and are they aligned to shareholders interests?
B+S Banksysteme has no CEO, or we have no data on them.
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
B+S Banksysteme Aktiengesellschaft's company bio, employee growth, exchange listings and data sources
- Name: B+S Banksysteme Aktiengesellschaft
- Ticker: DTD2
- Exchange: DB
- Founded: 1982
- Industry: Application Software
- Sector: Software
- Market Cap: €22.480m
- Shares outstanding: 6.21m
- Website: https://bs-ag.com
Number of Employees
- B+S Banksysteme Aktiengesellschaft
- Elsenheimerstrasse 57
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||2021/06/23 21:39|
|End of Day Share Price||2021/06/23 00:00|
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.