B+S Banksysteme AG develops and markets software solutions for the completion of financial transactions with banks, savings banks, and industrial enterprises. It is engaged in the creation and development of its own programs for data processing, duplication, licensing, and distribution as well as consulting for companies. The company's headquarters have been in Munich with further locations in Austria (Salzburg) and Switzerland (Canton Bern).

Financial Strength

6/10

Name	Current	Vs Industry
Cash-To-Debt	0.35
Equity-to-Asset	0.55
Debt-to-Equity	0.42
Debt-to-EBITDA	1.96
Interest Coverage	8.16
Piotroski F-Score	9/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	1.38	Distress Grey Safe
Beneish M-Score	-2.77	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

6/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	6.8
	3-Year EBITDA Growth Rate	26.7
	3-Year EPS without NRI Growth Rate	52.8
	3-Year FCF Growth Rate	61.6
	3-Year Book Growth Rate	4.1
	Future 3-5Y Total Revenue Growth Rate	4.06

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	30.58
	9-Day RSI	32.63
	14-Day RSI	36.4
	6-1 Month Momentum %	20
	12-1 Month Momentum %	37.25

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.86
	Quick Ratio	0.86
	Cash Ratio	0.35
	Days Sales Outstanding	37.95
	Days Payable	15.64

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Shareholder Yield %	10.57

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	46.46
	Operating Margin %	15.08
	Net Margin %	9.71
	FCF Margin %	21.64
	ROE %	9.06
	ROA %	4.86
	ROIC %	5.36
	ROC (Joel Greenblatt) %	79.09
	ROCE %	9.75
	Years of Profitability over Past 10-Year	8

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	9.8
	Forward PE Ratio	14
	PE Ratio without NRI	9.8
	Shiller PE Ratio	19.42
	PEG Ratio	0.4
	PS Ratio	0.94
	PB Ratio	0.85
	Price-to-Tangible-Book	6.13
	Price-to-Free-Cash-Flow	4.26
	Price-to-Operating-Cash-Flow	4.14
	EV-to-EBIT	8.49
	EV-to-EBITDA	5.24
	EV-to-Revenue	1.27
	EV-to-FCF	5.85
	Price-to-Projected-FCF	0.5
	Price-to-Median-PS-Value	0.62
	Price-to-Peter-Lynch-Fair-Value	0.38
	Price-to-Graham-Number	1.6
	Earnings Yield (Greenblatt) %	11.78
	FCF Yield %	22.6
	Forward Rate of Return (Yacktman) %	26.9

Financials

Annual Quarterly TTM

XTER:DTD2's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016

B+S Banksysteme AG Executives

Details

GF Value: €2.28

XTER:DTD2

Valuation Chart

Year:

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Warning! GuruFocus detected 2 Severe warning signs with DTD2. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil €)	12.714
	EPS (TTM) (€)	0.2
	Beta	0.39
	Volatility %	29.2
	14-Day RSI	36.4
	14-Day ATR (€)	0.034711
	20-Day SMA (€)	2.03
	12-1 Month Momentum %	37.25
	52-Week Range (€)	1.45 - 2.22
	Shares Outstanding (Mil)	6.21

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	9
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

B+S Banksysteme AG Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

B+S Banksysteme AG Stock Events

Financials Calendars

	Event	Date	Price(€)
No Event Data

B+S Banksysteme AG Frequently Asked Questions

What is B+S Banksysteme AG(XTER:DTD2)'s stock price today?

The current price of XTER:DTD2 is €1.96. The 52 week high of XTER:DTD2 is €2.22 and 52 week low is €1.45.

When is next earnings date of B+S Banksysteme AG(XTER:DTD2)?

The next earnings date of B+S Banksysteme AG(XTER:DTD2) is .

Does B+S Banksysteme AG(XTER:DTD2) pay dividends? If so, how much?

B+S Banksysteme AG(XTER:DTD2) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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