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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 rose materially to net margin ~11.5% and EBIT ~17.2% in 2025, indicating structural improvement in operating efficiency and pricing. Sustained margins support reinvestment, debt servicing and free cash flow generation, improving resilience through cycles.
Negative Factors
Revenue decline and uneven growth
The company recorded a revenue decline of ~-2.4% in 2025 and growth has been inconsistent historically. Persistent or recurring top-line weakness limits scale benefits, can compress operating leverage, and constrains the ability to fund strategic initiatives organically.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved profitability
Profitability rose materially to net margin ~11.5% and EBIT ~17.2% in 2025, indicating structural improvement in operating efficiency and pricing. Sustained margins support reinvestment, debt servicing and free cash flow generation, improving resilience through cycles.
Read all positive factors
B+S Banksysteme Aktiengesellschaft (DTD2) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€12.33M
Dividend YieldN/A
Average Volume (3M)6.60K
Price to Earnings (P/E)8.6
Beta (1Y)-0.01
Revenue Growth2.27%
EPS Growth-14.88%
CountryDE
Employees88
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 Ratio0.49
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)0.24
Revenue Forecast (FY)€13.50M
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 | 4.52M | 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
Negative
1.99
Price Trends
2.05
Negative
1.99
Negative
2.05
Negative
Market Momentum
-0.02
Negative
45.01
Neutral
23.21
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 below the 20-day moving average (MA) of 2.00, below the 50-day MA of 2.05, and below the 200-day MA of 2.05, indicating a bearish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 45.01 is Neutral, neither overbought nor oversold. The STOCH value of 23.21 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | €13.59M | 6.87 | 45.61% | 6.54% | -7.78% | -17.35% | |
75 Outperform | €151.25M | 14.22 | 23.52% | 0.63% | 3.67% | 18.47% | |
68 Neutral | €12.33M | 8.61 | 8.98% | ― | 2.27% | -14.88% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
48 Neutral | €16.18M | ― | ― | ― | ― | ― |
* General Sector Average
DE:DTD2
B+S Banksysteme Aktiengesellschaft
1.98
0.31
18.56%
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0.02
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DE:TBX0
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DE:ABX
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DE:FAA
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13.65
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-16.18%
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.