B+S Banksysteme Aktiengesellschaft AI Stock Analysis
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B+S Banksysteme Aktiengesellschaft (DTD2) AI Stock Analysis
B+S Banksysteme Aktiengesellschaft
(XETRA:DTD2)
The score is driven primarily by improved financial performance (strong 2026 revenue growth and reduced leverage), supported by an attractive P/E valuation. Offsetting these positives are weaker technicals (price below major moving averages and slightly negative MACD) and signs of execution risk in 2026 (margin compression and weaker free cash flow momentum).
B+S Banksysteme Aktiengesellschaft (DTD2) vs. iShares MSCI Germany ETF (EWG)
- Market Cap
- EUR 11.33M
- Dividend Yield
- ―
- Average Volume (3M)
- 2,652
- Price to Earnings (P/E)
- 9.5
- Beta (1Y)
- -0.03
- Revenue Growth
- 5.07%
- EPS Growth
- -17.37%
- Country
- Germany
- Employees
- 80
- Sector
- General
- Sector Strength
- 55
- Industry
- Software - Application
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 tran...
B+S Banksysteme Aktiengesellschaft Financial Statement Overview
Summary
Financials show a multi-year turnaround with strong 2026 revenue growth (+31.8% YoY) and improved profitability versus 2021–2023. Balance sheet leverage improved (debt-to-equity ~0.29 in 2026 vs ~0.58 in 2025), but 2026 saw margin compression versus 2024–2025 peaks and cash flow momentum weakened (FCF down ~25.9% YoY), limiting the score.
Income Statement
72PositiveBalance Sheet
78PositiveCash Flow
64Positive| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 13.24M | 13.24M | 12.60M | 12.71M | 11.23M | 10.44M |
| Gross Profit | 3.48M | 3.77M | 4.06M | 5.91M | 2.23M | 1.50M |
| EBITDA | 2.67M | 2.67M | 2.91M | 3.07M | 1.57M | 1.51M |
| Net Income | 1.20M | 1.20M | 1.45M | 1.24M | 441.00K | 192.00K |
Balance Sheet | ||||||
| Total Assets | 28.41M | 28.41M | 27.20M | 26.22M | 25.09M | 26.92M |
| Cash, Cash Equivalents and Short-Term Investments | 4.96M | 4.96M | 4.16M | 2.10M | 737.00K | 1.66M |
| Total Debt | 4.92M | 4.92M | 9.10M | 6.02M | 6.84M | 8.25M |
| Total Liabilities | 11.41M | 11.41M | 11.43M | 11.89M | 12.01M | 14.13M |
| Stockholders Equity | 17.00M | 17.00M | 15.76M | 14.33M | 13.08M | 12.72M |
Cash Flow | ||||||
| Free Cash Flow | 1.88M | 1.88M | 3.04M | 2.75M | 58.00K | 476.00K |
| Operating Cash Flow | 2.06M | 2.06M | 3.25M | 2.83M | 140.00K | 551.00K |
| Investing Cash Flow | -200.00K | -200.00K | -215.00K | -142.00K | -154.00K | -167.00K |
| Financing Cash Flow | -1.06M | -1.06M | -978.00K | -1.33M | -1.08M | -1.18M |
B+S Banksysteme Aktiengesellschaft Technical Analysis
Price Trends
Market Momentum
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 1.82 is above the 20-day moving average (MA) of 1.80, below the 50-day MA of 1.86, and below the 200-day MA of 1.95, indicating a neutral trend. The MACD of -0.01 indicates Negative momentum. The RSI at 50.47 is Neutral, neither overbought nor oversold. The STOCH value of 45.49 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
Overall Rating
DE:FAA82Outperform
DE:TBX074Outperform- DE:DTD268Neutral
DE:C1V048Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| DE:FAA | 82Outperform | EUR 178.75M | 14.22 | 30.98% | 3.03% | 7.53% | 36.30% |
| DE:TBX0 | 74Outperform | EUR 10.17M | 6.87 | 45.61% | 16.29% | -7.78% | -17.35% |
| DE:DTD2 | 68Neutral | EUR 11.33M | 9.49 | 7.14% | ― | 5.07% | -17.37% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| DE:C1V0 | 48Neutral | EUR 13.41M | ― | 0.00% | ― | ― | ― |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| DE:DTD2 | B+S Banksysteme Aktiengesellschaft | 1.82 | -0.06 | -3.44% | |
| DE:WDI | Wirecard AG | 0.01 | 0.00 | 0.00% | |
| DE:C1V0 | mVISE AG | 6.25 | 1.65 | 35.87% | |
| DE:TBX0 | Tick Trading Software AG | 5.05 | -1.98 | -28.15% | |
| DE:ABX | Advanced Blockchain AG | 1.10 | -2.19 | -66.69% | |
| DE:FAA | Fabasoft AG | 16.50 | 1.61 | 10.83% |
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.
Date of analysis: Oct 04, 2026