DB:II8

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InterCard Informationssysteme

Executive Summary

InterCard AG Informationssysteme, together with its subsidiaries, provides multifunctional card systems for universities, institutions of higher education, and other educational institutions in Germany.


Snowflake Analysis

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's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

5.3%

II8

-1.6%

DE Tech

4.4%

DE Market


1 Year Return

-1.1%

II8

232.8%

DE Tech

4.4%

DE Market

Return vs Industry: II8 underperformed the German Tech industry which returned 232.8% over the past year.

Return vs Market: II8 underperformed the German Market which returned 4.4% over the past year.


Shareholder returns

II8IndustryMarket
7 Day5.3%-1.6%4.4%
30 Day4.7%67.9%12.1%
90 Day4.7%106.3%5.4%
1 Year-1.1%-1.1%234.2%232.8%6.1%4.4%
3 Year-25.7%-25.7%213.3%209.3%-0.6%-8.2%
5 Year-54.1%-55.0%101.4%79.3%10.4%-3.8%

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

Valuation

Is InterCard Informationssysteme undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: II8 (€3.58) is trading below our estimate of fair value (€10.43)

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 (25.6x) compared to the Tech industry average (19.3x).

PE vs Market: II8 is poor value based on its PE Ratio (25.6x) compared to the German market (20.1x).


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 (1.2x).


Next Steps

Future Growth

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

9.1%

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.


Next Steps

Past Performance

How has InterCard Informationssysteme performed over the past 5 years?

-16.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: II8 has high quality earnings.

Growing Profit Margin: II8's current net profit margins (1.2%) are higher than last year (0.6%).


Past Earnings Growth Analysis

Earnings Trend: II8's earnings have declined by -16.7% per year over the past 5 years.

Accelerating Growth: II8's earnings growth over the past year (191.2%) exceeds its 5-year average (-16.7% per year).

Earnings vs Industry: II8 earnings growth over the past year (191.2%) exceeded the Tech industry -12.7%.


Return on Equity

High ROE: II8's Return on Equity (6.3%) is considered low.


Next Steps

Financial Health

How is InterCard Informationssysteme's financial position?


Financial Position Analysis

Short Term Liabilities: II8's short term assets (€6.6M) exceed its short term liabilities (€4.9M).

Long Term Liabilities: II8's short term assets (€6.6M) exceed its long term liabilities (€2.7M).


Debt to Equity History and Analysis

Debt Level: II8's debt to equity ratio (40.8%) is considered high.

Reducing Debt: II8's debt to equity ratio has increased from 25.6% to 40.8% over the past 5 years.

Debt Coverage: II8's debt is well covered by operating cash flow (89%).

Interest Coverage: II8's interest payments on its debt are well covered by EBIT (6.4x coverage).


Balance Sheet


Next Steps

Dividend

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


Dividend Yield vs Market

Notable Dividend: Unable to evaluate II8's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate II8'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 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.


Next Steps

Management

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


CEO

Gerson Riesle

no data

Tenure

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 ...


Ownership

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 not been meaningfully diluted in the past year.


Top Shareholders

Company Information

InterCard AG Informationssysteme's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: InterCard AG Informationssysteme
  • Ticker: II8
  • Exchange: DB
  • Founded:
  • Industry: Technology Hardware, Storage and Peripherals
  • Sector: Tech
  • Market Cap: €6.047m
  • Shares outstanding: 1.69m
  • Website: https://www.intercard.org

Number of Employees


Location

  • InterCard AG Informationssysteme
  • Marienstrasse 10
  • Villingen-Schwenningen
  • Baden-Württemberg
  • 78054
  • Germany

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
II8DB (Deutsche Boerse AG)YesCommon StockDEEURJan 2007

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/06/04 21:47
End of Day Share Price2020/06/04 00:00
Earnings2019/12/31
Annual Earnings2019/12/31


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.