B+S Banksysteme Aktiengesellschaft (GB:0NVU)

LSE:0NVU

0NVU

B+S Banksysteme Aktiengesellschaft

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B+S Banksysteme Aktiengesellschaft (0NVU) Price & Analysis

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0NVU Stock Chart & Stats

€2.20

€0.00(0.00%)

At close: Jan 08 4:00 PM EST

€2.20

€0.00(0.00%)

Day’s Range― - ―

52-Week Range€1.73 - €3.18

Previous CloseN/A

Volume0.00

Average Volume (3M)15.00

Market Cap

€13.23M

Enterprise Value€19.22M

Total Cash (Recent Filing)€2.46M

Total Debt (Recent Filing)€8.08M

Price to Earnings (P/E)9.0

Beta-0.09

Next Earnings

Sep 30, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)0.23

Shares Outstanding6,209,933

10 Day Avg. Volume12

30 Day Avg. Volume15

Financial Highlights & Ratios

PEG Ratio0.48

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)0.22

Revenue Forecast (FY)€13.00M

Bulls Say, Bears Say

Bulls Say

Improved ProfitabilityMargin expansion to ~17.2% EBIT and ~11.5% net in 2025 indicates the company has achieved stronger operating leverage and cost control versus earlier years. Sustained higher margins enhance cash generation, provide a buffer in downturns, and support reinvestment or shareholder returns over the medium term.

Strong Free Cash Flow And ConversionRobust FCF (~€3.0M) and near‑par conversion to net income (~0.93x) demonstrate high cash quality of earnings and internal funding capacity. Durable cash generation reduces dependency on external financing, supports capital allocation flexibility, and underpins long‑term investment or deleveraging plans.

Manageable Leverage And Improving ReturnsA debt-to-equity ~0.58 with rising equity and ROE (~9.2%) suggests a resilient balance sheet and improving capital efficiency. This structural position provides capacity to fund growth or absorb shocks without immediate refinancing stress, supporting strategic execution over multiple quarters.

Bears Say

2025 Revenue DeclineA year-over-year revenue decline (~-2.4% in 2025) signals inconsistency in top-line momentum and could limit the company’s ability to scale fixed-cost leverage. Prolonged or repeated revenue weakness would strain margin sustainability and constrain reinvestment or pricing power over the medium term.

Volatile Gross MarginA sharp gross margin swing from ~46.5% to ~32.3% indicates material variability in cost structure or product mix. Persistent gross margin volatility undermines forecasting accuracy, increases earnings risk, and weakens the durability of current operating margins if underlying cost or pricing issues are not resolved.

Rising Debt And Cash Flow LumpinessAn increase in debt in 2025 while revenue slipped reduces financial flexibility and raises refinancing risk if cash generation reverts to prior weak periods. Historical lumpiness (notably weak operating cash flow in 2023) suggests working-capital volatility that can stress liquidity during adverse business cycles.

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 €13.23M.

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

B+S Banksysteme Aktiengesellschaft’s upcoming earnings report date is Sep 30, 2026 which is in 108 days.

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

Currently, no data Available

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?

Currently, no data Available

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

Fundamentals

Return on Equity

8.98%

Trailing 12-Months

Asset Growth

1.37%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

B+S Banksysteme Aktiengesellschaft

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 transactions (such as import/export letters of credit, debt collection, and diverse guarantees), efficient account and currency administration, treasury operations, and robust risk management frameworks. A notable offering is DDBAC, a banking interface designed to streamline operations by enabling the retrieval of bank data, analysis of transaction histories, initiation of transfers, verification of account details, and the aggregation of multiple bank accounts. The company also furnishes solutions for precious metal trading, a range of e-banking services, and advanced banking APIs. Beyond core software development, B+S Banksysteme AG provides application sales, ongoing maintenance, Software-as-a-Service (SaaS) offerings, and data center services. Their diverse client base includes private, savings, and online banks, in addition to industrial sector companies. Founded in 1982, the firm is headquartered in Munich, Germany.