Improved ProfitabilityProfitability has moved from negative to consistently positive levels, with strong operating and EBITDA margins in 2025. Sustained margins provide durable cash generation and pricing power, improving reinvestment capacity and resilience through industry cycles over the next several quarters.

Strong Cash GenerationMaterial free cash flow and near-100% conversion of net income to FCF signal high cash conversion efficiency. Persistent cash generation supports funding operations, modest debt repayment, and strategic investments without relying on external capital, strengthening long-term financial flexibility.

Manageable Leverage & Improving ROELeverage remains moderate with debt-to-equity under 0.6 while equity and ROE have improved. This balance-sheet improvement enhances solvency and supports sustainable investment and dividend capacity, reducing bankruptcy risk and enabling steadier execution of strategy over time.

Bears Say

Revenue WeaknessA decline in revenue in 2025 after prior modest expansion raises concerns about demand traction and sales scaling. Persistent or recurring top-line weakness would limit operating leverage, constrain margin improvement, and reduce the durability of profit and cash-generation gains.

Volatile Gross MarginSharp year-over-year gross margin swings indicate exposed cost structure or product/mix sensitivity. Ongoing margin volatility undermines earnings predictability and could erode profitability if cost pressures or lower-margin contracts persist, complicating planning and capital allocation.

Rising Debt In Weak Revenue YearDebt rising during a revenue contraction reduces financial flexibility and raises refinancing and interest risks. If margins or cash flow deteriorate, higher leverage could force cost cuts or limit strategic investments, making the capital structure a medium-term vulnerability.

0NVU FAQ

What was B+S Banksysteme Aktiengesellschaft’s price range in the past 12 months?

B+S Banksysteme Aktiengesellschaft lowest share price was €1.73 and its highest was €3.18 in the past 12 months.

What is B+S Banksysteme Aktiengesellschaft’s market cap?

B+S Banksysteme Aktiengesellschaft’s market cap is €12.17M.

When is B+S Banksysteme Aktiengesellschaft’s upcoming earnings report date?

B+S Banksysteme Aktiengesellschaft’s upcoming earnings report date is May 15, 2026 which is in 82 days.

How were B+S Banksysteme Aktiengesellschaft’s earnings last quarter?

B+S Banksysteme Aktiengesellschaft released its earnings results on Feb 13, 2026. The company reported €0.131 earnings per share for the quarter, beating the consensus estimate of N/A by €0.131.

Is B+S Banksysteme Aktiengesellschaft overvalued?

According to Wall Street analysts B+S Banksysteme Aktiengesellschaft’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does B+S Banksysteme Aktiengesellschaft pay dividends?

B+S Banksysteme Aktiengesellschaft does not currently pay dividends.

What is B+S Banksysteme Aktiengesellschaft’s EPS estimate?

B+S Banksysteme Aktiengesellschaft’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does B+S Banksysteme Aktiengesellschaft have?

B+S Banksysteme Aktiengesellschaft has 6,209,933 shares outstanding.

What happened to B+S Banksysteme Aktiengesellschaft’s price movement after its last earnings report?

B+S Banksysteme Aktiengesellschaft reported an EPS of €0.131 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.

Which hedge fund is a major shareholder of B+S Banksysteme Aktiengesellschaft?

Currently, no hedge funds are holding shares in GB:0NVU

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

B+S Banksysteme Aktiengesellschaft Stock Smart Score

Neutral

Insider Transactions

Bought Shares

Worth €221.0K over
the Last 3 Months

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Company Description

B+S Banksysteme Aktiengesellschaft

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 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.