B+S Banksysteme Aktiengesellschaft (DTD2) AI Stock Analysis

• Market Cap: €11.86M
• Dividend Yield: N/A
• Average Volume (3M): 6.60K
• Price to Earnings (P/E): 4.0
• Beta (1Y): 0.05
• Revenue Growth: 8.82%
• EPS Growth: 103.18%
• Country: DE
• Employees: 78
• Sector: General
• Sector Strength: N/A
• Industry: Software - Application
• EPS (TTM): 0.13
• Shares Outstanding: 6,209,933
• 10 Day Avg. Volume: 14,815
• 30 Day Avg. Volume: 6,596
• PEG Ratio: 0.48
• Price to Book (P/B): 0.67
• Price to Sales (P/S): 0.83
• P/FCF Ratio: 3.45
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: €2.00 ▲(0.50% Upside)
• Action: Downgraded Date: 02/18/26
• Date: Action: Downgraded 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

Net margin (~11.5% in 2025) and EBIT margin (~17.2%) improvement reflects durable operational progress and better cost control. Higher sustainable margins bolster earnings retention and reinvestment capacity, provide a cushion through cycles, and support improved returns over the medium term.

Negative Factors

Revenue contraction

A ~-2.4% revenue decline in 2025 and uneven historical growth reduce top-line predictability and hinder scaling of the business. Slower or inconsistent revenue limits ability to leverage fixed costs, constrains margin expansion, and makes multi-quarter planning and investment decisions riskier.

B+S Banksysteme Aktiengesellschaft Business Overview & Revenue Model

Company Description

B+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 cred...

Read more

B+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 cred...

How the Company Makes Money

B+S Banksysteme generates revenue through the sale of its software products and services to financial institutions. Its primary revenue streams include licensing fees for its software solutions, subscription fees for ongoing software access and up...

Read more

B+S Banksysteme generates revenue through the sale of its software products and services to financial institutions. Its primary revenue streams include licensing fees for its software solutions, subscription fees for ongoing software access and up...

B+S Banksysteme Aktiengesellschaft Financial Statement Overview

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

• Technical Analysis Sentiment: Negative
• Last Price: 1.99
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:DTD2, the sentiment is Negative. The current price of 1.99 is above the 20-day moving average (MA) of 1.92, above the 50-day MA of 1.98, and below the 200-day MA of 2.00, indicating a bearish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 45.63 is Neutral, neither overbought nor oversold. The STOCH value of 77.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for DE:DTD2.

B+S Banksysteme Aktiengesellschaft Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TBX0	76 Outperform	€15.60M	4.09	45.61%	6.54%	―	―
DTD2	68 Neutral	€11.86M	3.97	8.98%	―	8.82%	103.18%
FAA	64 Neutral	€119.35M	15.51	23.52%	0.63%	4.70%	-0.02%
Sector *	55 Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
C1V0	48 Neutral	€14.69M	-11.17	―	―	―	―