InterCard AG Informationssysteme, together with its subsidiaries, provides multifunctional card systems for universities, institutions of higher education, and other educational institutions in Germany.
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Adequate balance sheet with proven track record.
Share Price & News
How has InterCard Informationssysteme's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: II8 has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: II8 exceeded the German Tech industry which returned 0.3% over the past year.
Return vs Market: II8 exceeded the German Market which returned 2.9% over the past year.
Price Volatility Vs. Market
How volatile is InterCard Informationssysteme's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StWhy We’re Not Impressed By InterCard AG Informationssysteme’s (FRA:II8) 5.9% ROCE
2 months ago | Simply Wall StRead This Before Judging InterCard AG Informationssysteme's (FRA:II8) ROE
3 months ago | Simply Wall StDoes InterCard AG Informationssysteme's (FRA:II8) Past Performance Indicate A Stronger Future?
Is InterCard Informationssysteme 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: II8 (€3.52) is trading below our estimate of fair value (€12.76)
Significantly Below Fair Value: II8 is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: II8 is poor value based on its PE Ratio (70.4x) compared to the Tech industry average (18.7x).
PE vs Market: II8 is poor value based on its PE Ratio (70.4x) compared to the German market (19.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate II8's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: II8 is good value based on its PB Ratio (0.8x) compared to the XE Tech industry average (1.3x).
How is InterCard Informationssysteme forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Tech industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as InterCard Informationssysteme has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine whether InterCard Informationssysteme is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- InterCard Informationssysteme competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Tech industry.
How has InterCard Informationssysteme performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: II8 has high quality earnings.
Growing Profit Margin: II8's current net profit margins (2%) are higher than last year (1.9%).
Past Earnings Growth Analysis
Earnings Trend: II8's earnings have declined by -24.7% per year over the past 5 years.
Accelerating Growth: II8's earnings growth over the past year (13.3%) exceeds its 5-year average (-24.7% per year).
Earnings vs Industry: II8 earnings growth over the past year (13.3%) exceeded the Tech industry -1.9%.
Return on Equity
High ROE: II8's Return on Equity (6.6%) is considered low.
Return on Assets
Return on Capital Employed
How is InterCard Informationssysteme's financial position?
Financial Position Analysis
Short Term Liabilities: II8's short term assets (€6.7M) exceed its short term liabilities (€3.5M).
Long Term Liabilities: II8's short term assets (€6.7M) exceed its long term liabilities (€4.5M).
Debt to Equity History and Analysis
Debt Level: II8's debt to equity ratio (46.8%) is considered high.
Reducing Debt: II8's debt to equity ratio has increased from 20.2% to 46.8% over the past 5 years.
Debt Coverage: II8's debt is well covered by operating cash flow (64.1%).
Interest Coverage: II8's interest payments on its debt are well covered by EBIT (6.8x coverage).
Inventory Level: II8 has a high level of physical assets or inventory.
Debt Coverage by Assets: II8's debt is covered by short term assets (assets are 1.8x debt).
What is InterCard Informationssysteme's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: Unable to evaluate II8's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate II8's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if II8's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if II8's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: II8 is not paying a notable dividend for the German market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of II8'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?
Gerson Riesle 0
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 ...
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 been diluted in the past year, with total shares outstanding growing by 15.3%.
InterCard AG Informationssysteme's company bio, employee growth, exchange listings and data sources
- Name: InterCard AG Informationssysteme
- Ticker: II8
- Exchange: DB
- Industry: Technology Hardware, Storage and Peripherals
- Sector: Tech
- Market Cap: €5.946m
- Shares outstanding: 1.69m
- Website: https://www.intercard.org
Number of Employees
- InterCard AG Informationssysteme
- Marienstrasse 10
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|II8||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jan 2007|
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, such as card holders, clips, lanyards, and cases, as well as fasteners for card holders and cases. The company is based in Villingen-Schwenningen, Germany. InterCard AG Informationssysteme is a subsidiary of Sandpiper Digital Payments AG.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/28 21:40|
|End of Day Share Price||2020/02/28 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.