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InterCard Informationssysteme

DB:II8
Snowflake Description

Moderate growth potential with imperfect balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
II8
DB
€7M
Market Cap
  1. Home
  2. DE
  3. Tech
Company description

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. More info.


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II8 Share Price and Events
7 Day Returns
-5.6%
DB:II8
1.1%
DE Tech
2.4%
DE Market
1 Year Returns
6.8%
DB:II8
-0.2%
DE Tech
-6.2%
DE Market
II8 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
InterCard Informationssysteme (II8) -5.6% 12.8% 7.4% 6.8% -42% 1.5%
DE Tech 1.1% 3.2% 13.1% -0.2% 68.8% 103.6%
DE Market 2.4% 3% 7.4% -6.2% 9.6% 14.1%
1 Year Return vs Industry and Market
  • II8 outperformed the Tech industry which returned -0.2% over the past year.
  • II8 outperformed the Market in Germany which returned -6.2% over the past year.
Price Volatility
II8
Industry
5yr Volatility vs Market

II8 Value

 Is InterCard Informationssysteme undervalued based on future cash flows and its price relative to the stock market?

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 undervalued.
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 €4.06.
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 InterCard Informationssysteme's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are InterCard Informationssysteme's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
DB:II8 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-06-30) in EUR €-0.03
DB:II8 Share Price ** DB (2019-04-18) in EUR €4.06
Europe Tech Industry PE Ratio Median Figure of 22 Publicly-Listed Tech Companies 13.17x
Germany Market PE Ratio Median Figure of 422 Publicly-Listed Companies 19.67x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of InterCard Informationssysteme.

DB:II8 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= DB:II8 Share Price ÷ EPS (both in EUR)

= 4.06 ÷ -0.03

-135.33x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • InterCard Informationssysteme is loss making, we can't compare its value to the Europe Tech industry average.
  • InterCard Informationssysteme is loss making, we can't compare the value of its earnings to the Germany market.
Price based on expected Growth
Does InterCard Informationssysteme's expected growth come at a high price?
Raw Data
DB:II8 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -135.33x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
25.2%per year
Europe Tech Industry PEG Ratio Median Figure of 12 Publicly-Listed Tech Companies 0.87x
Germany Market PEG Ratio Median Figure of 270 Publicly-Listed Companies 1.58x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for InterCard Informationssysteme, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on InterCard Informationssysteme's assets?
Raw Data
DB:II8 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-06-30) in EUR €4.30
DB:II8 Share Price * DB (2019-04-18) in EUR €4.06
Europe Tech Industry PB Ratio Median Figure of 30 Publicly-Listed Tech Companies 1.3x
Germany Market PB Ratio Median Figure of 570 Publicly-Listed Companies 1.85x
DB:II8 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= DB:II8 Share Price ÷ Book Value per Share (both in EUR)

= 4.06 ÷ 4.30

0.94x

* Primary Listing of InterCard Informationssysteme.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • InterCard Informationssysteme is good value based on assets compared to the Europe Tech industry average.
X
Value checks
We assess InterCard Informationssysteme's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Tech industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Tech industry average (and greater than 0)? (1 check)
  5. InterCard Informationssysteme has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

II8 Future Performance

 How is InterCard Informationssysteme expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover InterCard Informationssysteme, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
25.2%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is InterCard Informationssysteme expected to grow at an attractive rate?
  • InterCard Informationssysteme's earnings growth is expected to exceed the low risk savings rate of 0.2%.
Growth vs Market Checks
  • InterCard Informationssysteme's earnings growth is expected to exceed the Germany market average.
  • Unable to compare InterCard Informationssysteme's revenue growth to the Germany market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
DB:II8 Future Growth Rates Data Sources
Data Point Source Value (per year)
DB:II8 Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 25.2%
Europe Tech Industry Earnings Growth Rate Market Cap Weighted Average 14.7%
Europe Tech Industry Revenue Growth Rate Market Cap Weighted Average 8.1%
Germany Market Earnings Growth Rate Market Cap Weighted Average 11.5%
Germany Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
DB:II8 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
DB:II8 Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-06-30 15 0
2018-03-31 15 0
2017-12-31 15 0 0
2017-09-30 14 0
2017-06-30 14 0
2017-03-31 14 0
2016-12-31 15 1 0
2016-09-30 15 0
2016-06-30 15 1
2016-03-31 14 0
2015-12-31 13 0 0
2015-09-30 12 0

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • 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.
Raw Data
DB:II8 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from InterCard Informationssysteme Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:II8 Past Financials Data
Date (Data in EUR Millions) EPS *
2018-06-30
2018-03-31
2017-12-31 -0.03
2017-09-30 -0.09
2017-06-30
2017-03-31
2016-12-31 0.19
2016-09-30 0.30
2016-06-30 0.39
2016-03-31 0.31
2015-12-31 0.25
2015-09-30 0.19

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if InterCard Informationssysteme will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess InterCard Informationssysteme's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
InterCard Informationssysteme has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

II8 Past Performance

  How has InterCard Informationssysteme performed over the past 5 years?

  • InterCard Informationssysteme's last earnings update was 252 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare InterCard Informationssysteme's growth in the last year to its industry (Tech).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • InterCard Informationssysteme's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.
  • InterCard Informationssysteme has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.
  • InterCard Informationssysteme has become profitable in the last year making it difficult to compare the Europe Tech industry average.
Earnings and Revenue History
InterCard Informationssysteme's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from InterCard Informationssysteme Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:II8 Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-06-30 15.36 0.29 1.37
2018-03-31 14.94 0.12 1.37
2017-12-31 14.52 -0.04 1.38
2017-09-30 14.27 -0.15 1.34
2017-06-30 14.03 -0.25 1.30
2017-03-31 14.47 0.02 1.31
2016-12-31 14.91 0.29 1.32
2016-09-30 15.00 0.44 1.30
2016-06-30 15.10 0.59 1.28
2016-03-31 14.18 0.48 1.22
2015-12-31 13.26 0.37 1.15
2015-09-30 12.32 0.29 1.13
2015-06-30 11.37 0.21 1.10
2015-03-31 11.24 0.34 1.05
2014-12-31 11.12 0.47 1.00
2014-09-30 10.78 0.46 0.96
2014-06-30 10.44 0.45 0.92
2014-03-31 10.41 0.45 0.90
2013-12-31 10.37 0.46 0.87
2013-09-30 10.47 0.54 0.85
2013-06-30 10.58 0.62 0.82
2013-03-31 10.09 0.54 0.80
2012-12-31 9.60 0.46 0.79
2012-09-30 9.30 0.25 1.04
2012-06-30 9.00 0.05 1.29

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • InterCard Informationssysteme has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • InterCard Informationssysteme used its assets less efficiently than the Europe Tech industry average last year based on Return on Assets.
  • InterCard Informationssysteme has improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess InterCard Informationssysteme's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Tech industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. 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.
InterCard Informationssysteme 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.

Full details on the Past part of the Simply Wall St company analysis model.

II8 Health

 How is InterCard Informationssysteme's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

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.
Net Worth
  • 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.
Balance sheet
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 checks below.
Assets
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.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, 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.
Raw Data

All data from InterCard Informationssysteme Company Filings, last reported 9 months ago.

DB:II8 Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-06-30 6.88 3.61 0.57
2018-03-31 6.88 3.61 0.57
2017-12-31 6.98 3.67 0.64
2017-09-30 6.98 3.67 0.64
2017-06-30 6.64 2.94 0.49
2017-03-31 6.64 2.94 0.49
2016-12-31 6.53 2.93 0.87
2016-09-30 6.53 2.93 0.87
2016-06-30 6.36 3.16 0.49
2016-03-31 6.36 3.16 0.49
2015-12-31 6.30 2.18 0.54
2015-09-30 6.30 2.18 0.54
2015-06-30 5.38 2.55 0.26
2015-03-31 5.38 2.55 0.26
2014-12-31 5.51 1.40 0.33
2014-09-30 5.51 1.40 0.33
2014-06-30 5.52 1.11 0.30
2014-03-31 5.52 1.11 0.30
2013-12-31 5.39 1.43 0.91
2013-09-30 5.39 1.43 0.91
2013-06-30 4.63 1.94 0.68
2013-03-31 4.63 1.94 0.68
2012-12-31 4.10 1.61 0.47
2012-09-30 4.10 1.61 0.47
2012-06-30 3.63 1.81
  • InterCard Informationssysteme's level of debt (52.5%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (41.8% vs 52.5% today).
  • Operating cash flow is negative therefore debt is not well covered.
  • InterCard Informationssysteme is making a loss, therefore interest payments are not well covered by earnings.
X
Financial health checks
We assess InterCard Informationssysteme's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. InterCard Informationssysteme has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

II8 Dividends

 What is InterCard Informationssysteme's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from InterCard Informationssysteme dividends.
If you bought €2,000 of InterCard Informationssysteme shares you are expected to receive €0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate InterCard Informationssysteme's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate InterCard Informationssysteme's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
DB:II8 Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Europe Tech Industry Average Dividend Yield Market Cap Weighted Average of 12 Stocks 1.5%
Germany Market Average Dividend Yield Market Cap Weighted Average of 325 Stocks 3%
Germany Minimum Threshold Dividend Yield 10th Percentile 0.8%
Germany Bottom 25% Dividend Yield 25th Percentile 1.4%
Germany Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

DB:II8 Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2018-08-10 0.000 0.000
2018-04-26 0.000 0.000
2017-08-11 0.000 0.000
2017-04-13 0.000 0.000
2016-04-29 0.060 0.977
2015-05-04 0.060 0.827
2014-04-30 0.050 1.142
2013-09-20 0.050 1.332
2013-09-19 0.050 1.413
2013-03-21 0.050 1.434

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as InterCard Informationssysteme has not reported any payouts.
  • Unable to verify if InterCard Informationssysteme's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of InterCard Informationssysteme's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as InterCard Informationssysteme has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess InterCard Informationssysteme's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can InterCard Informationssysteme afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. InterCard Informationssysteme has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

II8 Management

 What is the CEO of InterCard Informationssysteme's salary, the management and board of directors tenure and is there insider trading?

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.
CEO
Gerson Riesle
CEO Bio

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.

CEO Compensation
  • 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.
Management Team

Gerson Riesle

TITLE
CEO & Member of Management Board

Manfred Bösinger

TITLE
CFO, Financial Officer & Member of Management Board

Thoma Thomas

TITLE
Member of Management Board

Wolfgang Kübler

TITLE
Chief Technology Officer and Head of Development

Chris Bartl

TITLE
Chief Development Officer and Head of Customer Service
Board of Directors

Ulf Meyer-Kessel

TITLE
President of Supervisory Board

Eduard Wyss

TITLE
Vice President of Supervisory Board

Holger Bürk

TITLE
Member of Supervisory Board
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess InterCard Informationssysteme's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. InterCard Informationssysteme has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

II8 News

Simply Wall St News

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.

Simply Wall St -

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.

Simply Wall St -

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

Simply Wall St -

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

Simply Wall St -

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.

Simply Wall St -

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?

Simply Wall St -

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.

Simply Wall St -

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.

Simply Wall St -

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.

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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.

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II8 Company Info

Description

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.

Details
Name: InterCard AG Informationssysteme
II8
Exchange: DB
Founded:
€6,857,896
1,689,137
Website: http://www.intercard.org
Address: InterCard AG Informationssysteme
Marienstrasse 10,
Villingen-Schwenningen,
Baden-Württemberg, 78054,
Germany
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
DB II8 Common Stock Deutsche Boerse AG DE EUR 05. Jan 2007
Number of employees
Current staff
Staff numbers
108
InterCard Informationssysteme employees.
Industry
Technology Hardware, Storage and Peripherals
Tech
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/19 20:59
End of day share price update: 2019/04/18 00:00
Last earnings filing: 2018/08/10
Last earnings reported: 2018/06/30
Last annual earnings reported: 2017/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.