B+S Banksysteme Aktiengesellschaft (DTD2) AI Stock Analysis

• Market Cap: €14.28M
• Dividend Yield: N/A
• Average Volume (3M): 6.38K
• Price to Earnings (P/E): 8.4
• Beta (1Y): 0.04
• Revenue Growth: 8.82%
• EPS Growth: 103.18%
• Country: DE
• Employees: 78
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): N/A
• Shares Outstanding: 6,209,933
• 10 Day Avg. Volume: 18,316
• 30 Day Avg. Volume: 6,381
• PEG Ratio: 0.05
• Price to Book (P/B): 0.76
• Price to Sales (P/S): 0.85
• P/FCF Ratio: 3.95
• 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: €2.00
• Price Target Upside: -9.91% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 74 Outperform
• Price Target: €2.00 ▼(-9.91% Downside)

B+S Banksysteme's strong financial performance is a major positive factor, supported by robust revenue and profit growth and efficient cash management. While the technical analysis shows mixed signals, the undervaluation indicated by the P/E ratio presents a potential opportunity for investors. The absence of recent earnings call and corporate events data did not impact this evaluation.

B+S Banksysteme Aktiengesellschaft Business Overview & Revenue Model

Company Description

B+S Banksysteme Aktiengesellschaft (DTD2) is a Germany-based company specializing in the development and distribution of software solutions for the financial services industry. It primarily serves banks and financial institutions, offering a range of products that facilitate efficient banking operations, including electronic banking, transaction processing, and risk management systems. The company's software solutions are designed to support the digital transformation and technological advancement of financial services, ensuring secure and effective management of banking operations.

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 updates, and consulting fees for implementation and customization services. Additionally, the company may earn revenue from maintenance and support contracts, ensuring continuous operation and optimization of its software systems for clients. Strategic partnerships with other technology firms and financial service providers may also play a role in expanding its market reach and enhancing its product offerings, thereby contributing to its earnings.

B+S Banksysteme Aktiengesellschaft Financial Statement Overview

Summary

B+S Banksysteme has demonstrated strong financial performance with notable revenue and profit growth. The company maintains a sound balance sheet with manageable leverage and improved returns on equity. Cash flow metrics highlight excellent cash generation capabilities, indicating effective management of profitability, leverage, and cash flows.

Income Statement

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

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

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	TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement
Total Revenue	12.90M	12.71M	11.23M	11.08M	10.44M	9.85M
Gross Profit	3.89M	5.91M	2.23M	1.75M	1.50M	1.02M
EBITDA	3.40M	3.07M	1.29M	2.05M	1.22M	1.13M
Net Income	1.71M	1.24M	441.00K	16.00K	192.00K	-297.00K
Balance Sheet
Total Assets	27.74M	26.22M	25.09M	25.19M	26.92M	28.48M
Cash, Cash Equivalents and Short-Term Investments	919.00K	2.10M	737.00K	1.69M	1.66M	2.27M
Total Debt	5.51M	6.02M	6.84M	6.73M	8.25M	9.77M
Total Liabilities	12.54M	11.89M	12.01M	12.37M	14.13M	15.86M
Stockholders Equity	15.19M	14.33M	13.08M	12.73M	12.72M	12.58M
Cash Flow
Free Cash Flow	1.16M	2.75M	58.00K	1.29M	476.00K	1.49M
Operating Cash Flow	1.13M	2.83M	140.00K	1.33M	551.00K	1.89M
Investing Cash Flow	-15.00K	-142.00K	-154.00K	-127.00K	-167.00K	-503.00K
Financing Cash Flow	-1.09M	-1.33M	-1.08M	-1.31M	-1.18M	-1.12M

B+S Banksysteme Aktiengesellschaft Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 2.22
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 2.22 is above the 20-day moving average (MA) of 2.11, above the 50-day MA of 1.98, and above the 200-day MA of 1.92, indicating a bullish trend. The MACD of 0.08 indicates Negative momentum. The RSI at 57.41 is Neutral, neither overbought nor oversold. The STOCH value of 62.44 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
DTD2	74 Outperform	€14.28M	8.37	11.90%	―	8.82%	103.18%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%