InterCard AG Informationssysteme, together with its subsidiaries, provides multifunctional card systems for universities, institutions of higher education, and other educational institutions in Germany.
The last earnings update was 252 days ago.
Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
InterCard Informationssysteme. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
is considered below, and whether this is a fair price.
Price based on past earnings
InterCard Informationssysteme's earnings available for a low price, and how does
this compare to other companies in the same industry?
InterCard Informationssysteme's earnings are expected to grow significantly at over 20% yearly.
Unable to determine if InterCard Informationssysteme is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
InterCard Informationssysteme's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
has a total score of
1/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
A company's financial position is much like your own financial position,
it includes everything you own
The boxes below represent the relative size of what makes up
InterCard Informationssysteme's finances.
The net worth of a company is the difference between its assets and liabilities.
InterCard Informationssysteme is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
InterCard Informationssysteme's cash and other short term assets cover its long term commitments.
This treemap shows a more detailed breakdown of
InterCard Informationssysteme's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
High level of physical assets or inventory.
Debt is covered by short term assets, assets are 1.4x debt.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
Mr. Gerson Riesle is Chairman at InterCard Kartensysteme GmbH. Mr. Riesle serves as the Chief Executive Officer and Member of Management Board at InterCard AG Informationssysteme. Mr. Riesle is an Engineer Graduate.
Insufficient data for Gerson to compare compensation growth.
Insufficient data for Gerson to establish whether their remuneration is reasonable compared to companies of similar size in Germany.
CEO & Member of Management Board
CFO, Financial Officer & Member of Management Board
Member of Management Board
Chief Technology Officer and Head of Development
Chief Development Officer and Head of Customer Service
Some InterCard Informationssysteme (FRA:II8) Shareholders Are Down 49%
Because InterCard Informationssysteme is loss-making, we think the market is probably more focussed on revenue and revenue growth, at least for now. … Over three years, InterCard Informationssysteme grew revenue at 6.2% per year. … If revenue growth accelerates, we might see the share price bounce.
How Do InterCard AG Informationssysteme’s (FRA:II8) Returns On Capital Compare To Peers?
To be precise, we'll consider its Return On Capital Employed (ROCE), as that will inform our view of the quality of the business. … Understanding Return On Capital Employed (ROCE). … ROCE measures the amount of pre-tax profits a company can generate from the capital employed in its business.
A Closer Look At InterCard AG Informationssysteme's (FRA:II8) Uninspiring ROE
With that in mind, this article will work through how we can use Return On Equity (ROE) to better understand a business. … Our data shows InterCard Informationssysteme has a return on equity of 6.0% for the last year. … Return on Equity = Net Profit ÷ Shareholders' Equity
InterCard AG Informationssysteme (FRA:II8): Time For A Financial Health Check
Investors are always looking for growth in small-cap stocks like InterCard AG Informationssysteme (FRA:II8), with a market cap of €6m. … However, an important fact which most ignore is: how financially healthy is the business? … Evaluating financial health as part of your investment thesis is
InterCard AG Informationssysteme (FRA:II8): Can It Deliver A Superior ROE To The Industry?
and want to learn about Return on Equity using a real-life example. … InterCard AG Informationssysteme’s (FRA:II8) most recent return on equity was a substandard 5.96% relative to its industry performance of 11.86% over the past year. … An investor may attribute an inferior ROE to a relatively inefficient performance, and whilst this can often be the case, knowing the nuts and bolts of the ROE calculation may change that perspective and give you a deeper insight into II8's past performance.
Is InterCard AG Informationssysteme's (FRA:II8) Balance Sheet Strong Enough To Weather A Storm?
Investors are always looking for growth in small-cap stocks like InterCard AG Informationssysteme (FRA:II8), with a market cap of €6.40m. … However, an important fact which most ignore is: how financially healthy is the business?
Why You Need To Look At This Factor Before Buying InterCard AG Informationssysteme (FRA:II8)
Based on this beta value, II8 appears to be a stock that an investor with a high-beta portfolio would look for to reduce risk exposure to the market. … An asset-heavy company tends to have a higher beta because the risk associated with running fixed assets during a downturn is highly expensive. … I test II8’s ratio of fixed assets to total assets in order to determine how high the risk is associated with this type of constraint.
InterCard AG Informationssysteme (FRA:II8): Time For A Financial Health Check
II8's debt levels surged from €2.18M to €2.93M over the last 12 months – this includes both the current and long-term debt. … On top of this, II8 has produced cash from operations of €597.49K in the last twelve months, resulting in an operating cash to total debt ratio of 20.43%, meaning that II8’s debt is appropriately covered by operating cash. … Maintaining a high level of debt, while revenues are still below costs, can be dangerous as liquidity tends to dry up in unexpected downturns.Next Steps: II8’s cash flow coverage indicates it could improve its operating efficiency in order to meet demand for debt repayments should unforeseen events arise.
Was InterCard AG Informationssysteme's (FRA:II8) Earnings Decline Part Of A Broader Industry Downturn?
DB:II8 Income Statement Mar 27th 18 We can further examine InterCard Informationssysteme's loss by looking at what the industry has been experiencing over the past few years. … Each year, for the past five years InterCard Informationssysteme's top-line has risen by a mere 9.06%, on average. … Though InterCard Informationssysteme's past data is helpful, it is only one aspect of my investment thesis.
Should You Be Tempted To Sell InterCard AG Informationssysteme (FRA:II8) Because Of Its PE Ratio?
By comparing a stock’s price per share to its earnings per share, we are able to see how much investors are paying for each dollar of the company’s earnings. … Formula Price-Earnings Ratio = Price per share ÷ Earnings per share P/E Calculation for II8 Price per share = €4 Earnings per share = €0.19 ∴ Price-Earnings Ratio = €4 ÷ €0.19 = 21.1x The P/E ratio isn’t a metric you view in isolation and only becomes useful when you compare it against other similar companies. … For example, if you inadvertently compared riskier firms with II8, then investors would naturally value II8 at a higher price since it is a less risky investment.
InterCard AG Informationssysteme, together with its subsidiaries, provides multifunctional card systems for universities, institutions of higher education, and other educational institutions in Germany. The company’s multifunctional cards are used in providing access control to buildings, rooms, or laboratories; opening, closing, and paying for private storage facilities and lockers; recording time and attendance; managing printing jobs; making cashless payments for photocopies and scans; paying in the canteen, vending machines, or kiosks; and paying for washing and drying, as well as placing the tickets for public transport services. It also offers card accessories. The company is based in Villingen-Schwenningen, Germany. InterCard AG Informationssysteme is a subsidiary of Sandpiper Digital Payments AG.
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