B+S Banksysteme Aktiengesellschaft (DE:DTD2)
XETRA:DTD2
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B+S Banksysteme Aktiengesellschaft
(XETRA:DTD2)
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Rating:68Neutral
Price Target:
€2.50
▲(25.63% Upside)
Action:Downgraded
Date:02/18/26
The score is supported mainly by improved profitability and strong recent free cash flow, plus an attractive low P/E valuation. These positives are tempered by weak technicals (below key moving averages with negative MACD) and fundamental risks including volatile gross margin, a 2025 revenue decline, and rising debt.
Positive Factors
Improved profitability
Profitability has materially recovered to double-digit net and high-teens operating margins, indicating improved cost structure and pricing. Sustained margins provide recurring earnings power, support reinvestment and shocks, and reduce dependence on top-line growth for cash generation.
Negative Factors
2025 revenue decline
A year-over-year revenue decline signals inconsistent topline traction and limited secular growth momentum. Over time this can hinder operating leverage, make it harder to sustain R&D or sales investments, and raise the bar for returning to multi-year growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved profitability
Profitability has materially recovered to double-digit net and high-teens operating margins, indicating improved cost structure and pricing. Sustained margins provide recurring earnings power, support reinvestment and shocks, and reduce dependence on top-line growth for cash generation.
Read all positive factors
B+S Banksysteme Aktiengesellschaft (DTD2) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€13.23M
Dividend YieldN/A
Average Volume (3M)6.60K
Price to Earnings (P/E)9.1
Beta (1Y)-0.04
Revenue Growth2.27%
EPS Growth-14.88%
CountryDE
Employees78
SectorGeneral
Sector StrengthN/A
IndustrySoftware - Application
Share Statistics
EPS (TTM)0.23
Shares Outstanding6,209,933
10 Day Avg. Volume14,815
30 Day Avg. Volume6,596
Financial Highlights & Ratios
PEG Ratio0.48
Price to Book (P/B)0.67
Price to Sales (P/S)0.83
P/FCF Ratio3.45
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.22
Revenue Forecast (FY)€13.00M
B+S Banksysteme Aktiengesellschaft Business Overview & Revenue Model
Company Description
B+S Banksysteme AG develops and distributes specialized software solutions for banks and various financial service providers. Their extensive product portfolio covers crucial areas like payment processing, comprehensive management of documentary t...
How the Company Makes Money
null...
B+S Banksysteme Aktiengesellschaft Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
67
Positive
Cash Flow
81
Very Positive
| Breakdown | TTM | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 13.19M | 12.60M | 12.71M | 11.23M | 11.08M | 10.44M |
| Gross Profit | 3.77M | 4.06M | 5.91M | 2.23M | 1.75M | 1.50M |
| EBITDA | 3.01M | 2.91M | 3.07M | 1.29M | 2.05M | 1.22M |
| Net Income | 1.45M | 1.45M | 1.24M | 441.00K | 16.00K | 192.00K |
Balance Sheet | ||||||
| Total Assets | 28.12M | 27.20M | 26.22M | 25.09M | 25.19M | 26.92M |
| Cash, Cash Equivalents and Short-Term Investments | 2.46M | 4.16M | 2.10M | 737.00K | 1.69M | 1.66M |
| Total Debt | 8.08M | 9.10M | 6.02M | 6.84M | 6.73M | 8.25M |
| Total Liabilities | 11.54M | 11.43M | 11.89M | 12.01M | 12.37M | 14.13M |
| Stockholders Equity | 16.58M | 15.76M | 14.33M | 13.08M | 12.73M | 12.72M |
Cash Flow | ||||||
| Free Cash Flow | 2.54M | 3.04M | 2.75M | 58.00K | 1.29M | 476.00K |
| Operating Cash Flow | 2.80M | 3.25M | 2.83M | 140.00K | 1.33M | 551.00K |
| Investing Cash Flow | -275.00K | -215.00K | -142.00K | -154.00K | -127.00K | -167.00K |
| Financing Cash Flow | -988.00K | -978.00K | -1.33M | -1.08M | -1.31M | -1.18M |
B+S Banksysteme Aktiengesellschaft Technical Analysis
Positive
1.99
Price Trends
2.01
Positive
2.00
Positive
2.05
Positive
Market Momentum
0.04
Positive
55.35
Neutral
43.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:DTD2, the sentiment is Positive. The current price of 1.99 is below the 20-day moving average (MA) of 2.15, below the 50-day MA of 2.01, and below the 200-day MA of 2.05, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 55.35 is Neutral, neither overbought nor oversold. The STOCH value of 43.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:DTD2.
B+S Banksysteme Aktiengesellschaft Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | €14.49M | 7.15 | 45.61% | 6.54% | 9.29% | 68.05% | |
70 Outperform | €144.65M | 13.54 | 23.52% | 0.63% | 3.67% | 18.47% | |
68 Neutral | €13.23M | 9.10 | 8.98% | ― | 2.27% | -14.88% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
48 Neutral | €16.71M | ― | ― | ― | -29.41% | 74.04% |
* General Sector Average
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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.