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B+S Banksysteme Aktiengesellschaft (DE:DTD2)
XETRA:DTD2

B+S Banksysteme Aktiengesellschaft (DTD2) AI Stock Analysis

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DE

B+S Banksysteme Aktiengesellschaft

(XETRA:DTD2)

Rating:74Outperform
Price Target:
€2.00
▲(12.36%Upside)
B+S Banksysteme Aktiengesellschaft exhibits strong financial health, with solid revenue and profit growth and efficient cash flow management. While the technical indicators show mixed signals, the valuation suggests the stock is undervalued. The absence of earnings call data and recent corporate events means these factors did not impact the score.

B+S Banksysteme Aktiengesellschaft (DTD2) vs. iShares MSCI Germany ETF (EWG)

B+S Banksysteme Aktiengesellschaft Business Overview & Revenue Model

Company DescriptionB+S Banksysteme Aktiengesellschaft develops and markets software solutions for banks and financial service providers. It offers software solutions in the areas of payments transactions; documentary transaction for import and export letters of credit, import and export debt collection, and guarantees to be borne by the customer and in favor of the customer; account and currency management; treasury; and risk management. The company also provides DDBAC, a banking interface that enables to read bank data, analyze transaction histories, initiate transfers, verify account data, and aggregate several bank accounts; and variety and precious metal trade and e-banking solutions; and banking APIs. In addition, it engages in developing, selling, and maintaining applications; provision of software as a service and data centers. The company primarily serves private, savings, and online banks, as well as industrial companies. B+S Banksysteme Aktiengesellschaft was founded in 1982 and is based in Munich, Germany.
How the Company Makes MoneyB+S Banksysteme makes money primarily through the sale and licensing of its software products to banks and financial institutions. The company generates revenue by offering both one-time sales of software licenses and recurring revenue through maintenance and support contracts. Additionally, B+S Banksysteme may offer consulting services to assist with the implementation and customization of their solutions, which provides another stream of income. Partnerships with other technology providers or financial institutions can also contribute to revenue by expanding the company's market reach and enabling bundled service offerings.

B+S Banksysteme Aktiengesellschaft Financial Statement Overview

Summary
B+S Banksysteme has shown strong financial performance with impressive revenue and profit growth. The company maintains a stable balance sheet with manageable leverage and improved returns on equity. Cash flow metrics are robust, indicating excellent cash generation capabilities. Overall, the company demonstrates effective management of profitability, leverage, and cash flows.
Income Statement
85
Very Positive
B+S Banksysteme has demonstrated strong revenue growth of 13.2% year-over-year, with a notable improvement in profitability. The gross profit margin increased to 46.4%, and the net profit margin rose to 9.7%, indicating enhanced efficiency and cost management. EBIT and EBITDA margins are also healthy at 13.7% and 24.1%, respectively, reflecting solid operational performance.
Balance Sheet
78
Positive
The balance sheet shows a stable equity base with a debt-to-equity ratio of 0.42, which is quite manageable. The return on equity has improved significantly to 8.6%, suggesting effective utilization of shareholder funds. However, the equity ratio of 54.7% indicates a moderate level of financial leverage.
Cash Flow
80
Positive
Cash flow performance is strong, with a remarkable free cash flow growth rate of 4,643.1%. The operating cash flow to net income ratio of 2.3 demonstrates robust cash generation relative to net income. The free cash flow to net income ratio is also favorable at 2.2, highlighting efficient cash management.
Breakdown
Jun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income StatementTotal Revenue
12.71M11.23M11.08M10.44M9.85M
Gross Profit
5.91M2.23M1.75M1.50M1.02M
EBIT
1.75M518.00K79.00K-118.00K-532.00K
EBITDA
3.07M1.29M1.28M1.15M1.13M
Net Income Common Stockholders
1.24M441.00K16.00K192.00K-297.00K
Balance SheetCash, Cash Equivalents and Short-Term Investments
2.10M737.00K1.69M1.66M2.27M
Total Assets
26.22M25.09M25.19M26.92M28.48M
Total Debt
6.02M6.84M6.73M8.25M9.77M
Net Debt
3.92M6.11M5.04M6.59M7.49M
Total Liabilities
11.89M12.01M12.37M14.13M15.86M
Stockholders Equity
14.33M13.08M12.73M12.72M12.58M
Cash FlowFree Cash Flow
2.75M58.00K1.29M476.00K1.49M
Operating Cash Flow
2.83M140.00K1.33M551.00K1.89M
Investing Cash Flow
-142.00K-182.00K-143.00K-175.00K-503.00K
Financing Cash Flow
-1.33M-915.00K-1.15M-991.00K-1.12M

B+S Banksysteme Aktiengesellschaft Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price1.78
Price Trends
50DMA
1.87
Negative
100DMA
1.93
Negative
200DMA
1.99
Negative
Market Momentum
MACD
-0.03
Negative
RSI
44.17
Neutral
STOCH
77.78
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:DTD2, the sentiment is Neutral. The current price of 1.78 is above the 20-day moving average (MA) of 1.78, below the 50-day MA of 1.87, and below the 200-day MA of 1.99, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 44.17 is Neutral, neither overbought nor oversold. The STOCH value of 77.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for DE:DTD2.

B+S Banksysteme Aktiengesellschaft Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
€11.05M6.4811.90%8.82%103.18%
64
Neutral
$12.77B9.717.85%78.05%12.07%-7.97%
€4.82M96.40
DETR9
€36.22M-35.03%0.53%
€12.88M10.2637.88%7.81%
DEABX
€8.50M-9.15%
DEVRL
€12.44M
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
DE:DTD2
B+S Banksysteme Aktiengesellschaft
1.78
0.10
5.95%
DE:CPU2
CPU Softwarehouse AG
1.07
-0.51
-32.28%
DE:TR9
OTRS AG
18.90
13.19
231.00%
DE:TBX0
Tick Trading Software AG
6.40
-1.87
-22.61%
DE:ABX
Advanced Blockchain AG
2.24
-2.11
-48.51%
DE:VRL
net digital AG
5.80
2.10
56.76%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.