Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Banqup Group SA is a fintech company that operates and develops a cloud-based platform for administrative and financial services, primarily through its Banqup solution. It facilitates digital connections between businesses, customers, and suppliers, enabling seamless document exchange, payments, invoicing, and cash flow optimization via an open cloud network. The platform supports order-to-cash and procure-to-pay processes with smart mobile apps, web applications, and APIs, serving freelancers, SMEs, large enterprises, accountants, governments, and sectors like agriculture, accounting, construction, and interim services. Key features include Peppol-ready e-invoicing, compliance tools, payment security with Verification of Payee integration, and robust data protection through SOC audits, SSL encryption, and European data storage. Founded in 2001 and headquartered in La Hulpe, Belgium, Banqup Group SA, formerly Unifiedpost Group, emphasizes technological innovation, regulatory compliance under the National Bank of Belgium, and scalable solutions for digital business transformation across multiple countries.
€2.32
€0.06 (-2.52%)
EOD Jun 23, 2026 · Twelve Data
The business is unprofitable at the operating level (-61.73% margin). The thesis depends entirely on whether and when it reaches sustainable profitability.
Revenue declined 42.3% YoY. Margins deteriorated 27.2pp alongside, both lines moving the wrong way.
ROIC dropped from -10.90% to -13.47%, capital efficiency is deteriorating. Negative free cash flow of -€10M. The business is consuming cash, not generating it.
1.2x earnings. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€54M
▼ -42.3% YoY
Net Income (TTM)
€71M
▲ +185.6% YoY
Op. Margin
-61.73%
▼ -27.2pp YoY
ROIC
-13.47%
▼ -2.6pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
-€10M
▼ -58.6% YoY
Op. Cash Flow (TTM)
€95M
▲ +1874.6% YoY
Net Debt
€31M
Cash & Equiv.
€13M
3Y CAGR: -31.7%
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At a P/E of 1.2, Banqup Group SA (BANQ.XBRU)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Banqup Group SA scores 10/100 on Intrinsiqq's quality scorecard, weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full . This is analysis, not investment advice.
Banqup Group SA scores 10 out of 100 on Intrinsiqq's quality score, passing 1 of 7 checks, which makes it a lower-quality business on these measures. Recent fundamentals include a -61.7% operating margin and a -13.5% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full check-by-check breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. you should weigh BANQ.XBRU's valuation and scores 10/100 on quality (lower-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.