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Rubean DB:R1B Stock Report

Last Price


Market Cap







14 Aug, 2022


Company Financials +
R1B fundamental analysis
Snowflake Score
Future Growth6/6
Past Performance0/6
Financial Health3/6

R1B Stock Overview

Rubean AG provides software-only point-of-sale solutions to banks, acquirers, and merchants.

Rubean Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Rubean
Historical stock prices
Current Share Price€7.40
52 Week High€13.40
52 Week Low€4.40
1 Month Change8.82%
3 Month Change37.04%
1 Year Change-41.73%
3 Year Change39.62%
5 Year Change5.71%
Change since IPO39.62%

Recent News & Updates

Shareholder Returns

R1BDE SoftwareDE Market

Return vs Industry: R1B underperformed the German Software industry which returned -26.7% over the past year.

Return vs Market: R1B underperformed the German Market which returned -20.4% over the past year.

Price Volatility

Is R1B's price volatile compared to industry and market?
R1B volatility
R1B Average Weekly Movement12.9%
Software Industry Average Movement5.8%
Market Average Movement5.7%
10% most volatile stocks in DE Market10.2%
10% least volatile stocks in DE Market2.8%

Stable Share Price: R1B is more volatile than 90% of German stocks over the past 3 months, typically moving +/- 13% a week.

Volatility Over Time: R1B's weekly volatility (13%) has been stable over the past year, but is still higher than 75% of German stocks.

About the Company

n/a3Hermann Geupel

Rubean AG provides software-only point-of-sale solutions to banks, acquirers, and merchants. The company offers PhonePOS, a mobile point-of-sale (POS) solution that enables a smartphone to accept contactless card payments; and RubeanTag, a communication circle between POS terminal, customer phone, and payment service provider. It also provides DRubeans, a platform that connects various workstations, such as PCs and thin client terminals with various peripheral devices comprising printers and automated teller safes.

Rubean Fundamentals Summary

How do Rubean's earnings and revenue compare to its market cap?
R1B fundamental statistics
Market Cap€20.11m
Earnings (TTM)-€1.84m
Revenue (TTM)€405.27k


P/S Ratio


P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
R1B income statement (TTM)
Cost of Revenue€781.90k
Gross Profit-€376.63k
Other Expenses€1.46m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date


Earnings per share (EPS)-0.68
Gross Margin-92.93%
Net Profit Margin-453.77%
Debt/Equity Ratio0%

How did R1B perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.


Is R1B undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score


Valuation Score 2/6

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for R1B?

Other financial metrics that can be useful for relative valuation.

R1B key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue47.2x
Enterprise Value/EBITDA-11.4x
PEG Ration/a

Price to Sales Ratio vs Peers

How does R1B's PS Ratio compare to its peers?

R1B PS Ratio vs Peers
The above table shows the PS ratio for R1B vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPSEstimated GrowthMarket Cap
Peer Average1.8x
UMDK UMT United Mobility Technology
TBX tick Trading Software
DTD2 B+S Banksysteme
R1B Rubean

Price-To-Sales vs Peers: R1B is expensive based on its Price-To-Sales Ratio (49.6x) compared to the peer average (1.8x).

Price to Earnings Ratio vs Industry

How does R1B's PE Ratio compare vs other companies in the DE Software Industry?

Price-To-Sales vs Industry: R1B is expensive based on its Price-To-Sales Ratio (49.6x) compared to the German Software industry average (2.4x)

Price to Sales Ratio vs Fair Ratio

What is R1B's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

R1B PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio49.6x
Fair PS Ratio0.9x

Price-To-Sales vs Fair Ratio: R1B is expensive based on its Price-To-Sales Ratio (49.6x) compared to the estimated Fair Price-To-Sales Ratio (0.9x).

Share Price vs Fair Value

What is the Fair Price of R1B when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: R1B (€7.4) is trading below our estimate of fair value (€25.56)

Significantly Below Fair Value: R1B is trading below fair value by more than 20%.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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Future Growth

How is Rubean forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

Future Growth Score


Future Growth Score 6/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: R1B is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (-0.01%).

Earnings vs Market: R1B is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: R1B is expected to become profitable in the next 3 years.

Revenue vs Market: R1B's revenue (77.7% per year) is forecast to grow faster than the German market (5% per year).

High Growth Revenue: R1B's revenue (77.7% per year) is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: R1B's Return on Equity is forecast to be very high in 3 years time (43.3%).

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Past Performance

How has Rubean performed over the past 5 years?

Past Performance Score


Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: R1B is currently unprofitable.

Growing Profit Margin: R1B is currently unprofitable.

Past Earnings Growth Analysis

Earnings Trend: R1B is unprofitable, and losses have increased over the past 5 years at a rate of 35.5% per year.

Accelerating Growth: Unable to compare R1B's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: R1B is unprofitable, making it difficult to compare its past year earnings growth to the Software industry (7.2%).

Return on Equity

High ROE: R1B has a negative Return on Equity (-26.78%), as it is currently unprofitable.

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Financial Health

How is Rubean's financial position?

Financial Health Score


Financial Health Score 3/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Stable Cash Runway

  • Forecast Cash Runway

Financial Position Analysis

Short Term Liabilities: R1B's short term assets (€1.5M) do not cover its short term liabilities (€2.1M).

Long Term Liabilities: R1B's short term assets (€1.5M) exceed its long term liabilities (€71.5K).

Debt to Equity History and Analysis

Debt Level: R1B is debt free.

Reducing Debt: R1B has no debt compared to 5 years ago when its debt to equity ratio was 0.01%.

Balance Sheet

Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: Insufficient data to determine if R1B has enough cash runway based on its current free cash flow.

Forecast Cash Runway: Insufficient data to determine if R1B has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.

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What is Rubean current dividend yield, its reliability and sustainability?

Dividend Score


Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Cash Flow Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate R1B's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate R1B'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 R1B's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if R1B's dividend payments have been increasing.

Earnings Payout to Shareholders

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

Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as R1B has not reported any payouts.

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


Hermann Geupel

no data


Dr. Hermann Geupel serves as the Chief Executive Officer and Member of Management at Rubean AG. Dr. Geupel served as Managing Director of VoiceTrust GmbH (Formerly VoiceTrust AG), responsible for Sales and...


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 been diluted in the past year, with total shares outstanding growing by 49.7%.

Top Shareholders

Company Information

Rubean AG's employee growth, exchange listings and data sources

Key Information

  • Name: Rubean AG
  • Ticker: R1B
  • Exchange: DB
  • Founded: NaN
  • Industry: Application Software
  • Sector: Software
  • Implied Market Cap: €20.110m
  • Shares outstanding: 2.72m
  • Website:

Number of Employees


  • Rubean AG
  • Kistlerhofstrasse 168
  • Munich
  • Bavaria
  • 81379
  • Germany


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/08/14 00:00
End of Day Share Price2022/08/12 00:00
Annual Earnings2021/12/31

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.