B+S Banksysteme Aktiengesellschaft

B+S Banksysteme Aktiengesellschaft

DTD2 · XETRA · Technology / Software - Application

1.83EUR+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close1.83
Open1.83
Day Range1.83 – 1.83
52-Week Range1.74 – 2.40
Volume0
Market Cap11.92M
P/E (TTM)8.35
Forward P/E16.86
EPS0.23
Dividend Yield0.00%
Beta0.26
50-Day Avg1.94
200-Day Avg1.99

About

B+S Banksysteme Aktiengesellschaft provides software solutions for banks and financial service providers. It offers software solutions in the areas of mobile and online banking; payment transactions; documentary transactions for import and export of letter of credit and collection, and guarantees; and treasury trading products, including foreign exchange spot and swap position, and interest rate positions, as well as liquidity-oriented position presentation. The company also provides foreign currency and precious metal trading services; core banking services, such as checking and current accounts, fixed-term deposits, and investment and foreign currency accounts; and risk management services comprising credit and default, advance performance, market price, and liquidity risks. In addition, it offers banking APIs, such as XS2A, EBICS, HBCI/FinTS, and web scrapping services; account information, payment initiation, and securities services; credit cards, points accounts, and payment providers and fintechs; B+S shield service; and reporting for account information and payment initiation services and anti-money laundering and counter terrorism for account information and payment initiation services, as well as software as a service, license as a service, and banking as a service solutions. B+S Banksysteme Aktiengesellschaft was founded in 1982 and is headquartered in Munich, Germany.

Company Details

  • SectorTechnology
  • IndustrySoftware - Application
  • CEOMr. Peter Bauch
  • Employees88
  • HeadquartersElsenheimerstrasse 57, Munich, Germany, 80687, Germany
  • Websitehttps://bs-ag.com

Leadership

  • Mr. Peter BauchHead of Professional Services, Research & Development and Member of Management Board · b. 1971
  • Magistrate Simon Berger L.L.B.Member of Management Board
  • Mr. Heinz WidmerManaging Director of B+S Bank Systems Switzerland Ltd · b. 1947
  • Patrick EderManaging Director of B+S Banking Systems Salzburg GmbH

Financials

Income Statement

Currency: EUR2005-06-302006-06-302007-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-30
Total Revenue3.29M3.06M2.29M3.84M9.07M7.58M7.99M7.99M7.19M7.81M8.21M10.24M9.83M9.05M9.85M10.44M11.08M11.23M12.71M12.60M
Growth (%)--6.79%-25.11%+67.60%+135.96%-16.44%+5.50%-0.05%-10.06%+8.73%+5.03%+24.75%-3.95%-7.97%+8.84%+5.97%+6.20%+1.31%+13.22%-0.92%
Cost of Revenue570.00K1.89M2.25M26.00K126.00K206.00K3.80M3.73M4.70M4.70M5.09M5.54M5.93M6.76M8.83M8.94M9.33M9.00M6.81M8.53M
Gross Profit2.71M1.17M40.00K3.82M8.94M7.37M4.20M4.26M2.48M3.11M3.12M4.70M3.91M2.29M1.02M1.50M1.75M2.23M5.91M4.06M
Gross Margin82.65%38.18%1.74%99.32%98.61%97.28%52.48%53.32%34.57%39.83%38.00%45.91%39.72%25.30%10.36%14.35%15.83%19.85%46.46%32.26%
Operating Expense2.82M4.44M3.22M3.39M7.46M13.34M3.38M3.36M2.06M2.01M2.37M2.05M2.36M2.49M1.55M1.62M1.68M1.99M4.16M1.90M
Operating Income-105.00K-3.27M-3.18M428.00K1.49M-5.97M811.00K898.00K429.00K1.10M752.00K2.65M1.54M-204.00K-532.00K-118.00K79.00K235.00K1.75M2.16M
Operating Margin-3.20%-106.86%-138.68%11.14%16.38%-78.79%10.15%11.24%5.97%14.12%9.16%25.91%15.69%-2.25%-5.40%-1.13%0.71%2.09%13.75%17.17%
EBITDA336.00K92.00K-750.00K900.00K2.32M437.00K1.35M1.60M804.00K1.45M1.15M3.32M2.12M578.00K1.13M1.22M2.05M1.29M3.07M2.91M
EBITDA Margin10.23%3.00%-32.71%23.42%25.57%5.77%16.88%19.99%11.19%18.55%14.03%32.39%21.52%6.39%11.44%11.70%18.53%11.48%24.14%23.12%
Net Income242.00K42.00K-791.00K136.00K526.00K-6.42M102.00K494.00K354.00K846.00K588.00K1.67M1.07M-333.00K-297.00K192.00K16.00K441.00K1.24M1.45M
Net Income Margin7.37%1.37%-34.50%3.54%5.80%-84.73%1.28%6.18%4.93%10.83%7.17%16.30%10.86%-3.68%-3.02%1.84%0.14%3.93%9.71%11.52%
R&D164.00K-------------------
R&D as % of Total Revenue4.99%-------------------
Interest Expense---356.00K671.00K652.00K686.00K490.00K401.00K405.00K230.00K186.00K175.00K169.00K222.00K185.00K163.00K169.00K235.00K244.00K
Interest Expense % of Total Revenue---9.26%7.40%8.60%8.58%6.13%5.58%5.18%2.80%1.82%1.78%1.87%2.25%1.77%1.47%1.51%1.85%1.94%

Balance Sheet

Currency: EUR2005-06-302006-06-302007-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-30
Total Assets1.20M1.05M742.00K27.42M27.90M21.73M21.09M26.05M26.60M21.67M22.33M22.58M25.02M23.23M28.48M26.92M25.19M25.09M26.22M27.20M
Total Liabilities655.00K464.00K338.00K20.02M19.95M20.18M19.45M19.75M18.74M11.66M11.78M10.36M11.76M10.36M15.86M14.13M12.37M12.01M11.89M11.43M
Total Equity543.00K584.00K404.00K7.40M7.95M1.55M1.65M6.30M7.86M10.01M10.55M12.22M13.25M12.88M12.58M12.72M12.73M13.08M14.33M15.76M
Cash---596.00K1.40M1.99M1.16M1.55M1.73M931.00K1.20M1.32M3.76M1.33M2.27M1.66M1.69M737.00K2.10M4.16M
Total Debt---15.98M15.47M15.83M7.17M7.27M6.47M6.35M7.20M4.99M5.33M4.74M9.77M8.25M6.73M6.84M6.02M9.10M
Net Debt---15.39M14.07M13.84M6.02M5.72M4.74M5.42M6.00M3.67M1.56M3.40M7.49M6.59M5.04M6.11M3.92M4.93M

Cash Flow

Currency: EUR2009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-30
Operating Cash Flow1.33M1.60M-103.00K61.00K1.30M731.00K641.00K1.39M3.00M3.94M-525.00K1.89M728.00K1.48M281.00K2.83M3.25M
Investing Cash Flow-73.00K-474.00K-67.00K-240.00K-771.00K-373.00K2.69M-60.00K-306.00K-786.00K-1.15M-503.00K-167.00K-127.00K-154.00K-142.00K-215.00K
Financing Cash Flow-844.00K-322.00K359.00K-655.00K-129.00K-337.00K-4.22M-1.85M-1.46M-710.00K-759.00K-1.12M-1.18M-1.31M-1.08M-1.33M-978.00K
Capital Expenditure73.00K474.00K67.00K240.00K764.00K17.00K92.00K60.00K206.00K162.00K494.00K403.00K75.00K43.00K82.00K81.00K212.00K
Free Cash Flow1.25M1.13M-170.00K-179.00K532.00K714.00K549.00K1.33M2.79M3.78M-1.02M1.49M476.00K1.29M58.00K2.75M3.04M
FCF to OCF94.50%70.38%165.05%-293.44%41.05%97.67%85.65%95.69%93.12%95.89%194.10%78.65%65.38%87.27%20.64%97.14%93.48%

Earnings

Report DateJun 30, 2002Mar 31, 2011Jun 30, 2011Sep 30, 2011Sep 30, 2013Mar 31, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Sep 28, 2018Feb 15, 2019
EPS Estimate---------------
EPS Actual-0.910.04-1.10-0.010.01-0.01-0.020.08-0.000.08-0.010.06-0.020.010.07
Surprise---------------
Timing---------------

Key Statistics & Ratios

Market Cap11.92M
Enterprise Value13.64M
Trailing P/E8.35
Forward P/E16.86
PEG Ratio0.00
Price / Sales0.90
Price / Book0.70
EPS0.23
Book Value2.67
Revenue (TTM)13.19M
Gross Profit (TTM)4.80M
EBITDA2.98M
Profit Margin11.01%
Operating Margin15.37%
Return on Equity9.15%
Return on Assets4.43%
Shares Outstanding6.21M
Shares Float2.53M
Beta0.26
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Stock Splits

  • May 16, 200664:63
  • Jan 5, 20041159:1139
  • Oct 20, 20031:7
  • Jun 1, 19993:1