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.
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.
B+S Banksysteme AG is a Germany-based software provider specializing in innovative solutions for the banking and financial services sector. Its core offerings address a broad spectrum of banking functions, including payment transactions, core banking systems, credit business, risk management, treasury and trading, as well as electronic and online banking. The company’s modular and platform-independent products are designed for integration with the systems of diverse clients, such as private banks, savings banks, state banks, online banks, insurance companies, and financial holdings. B+S Banksysteme AG also delivers consulting, project management, and implementation services, ensuring tailored solutions that support digital transformation within financial institutions. The company’s significant role in the financial technology landscape is underscored by its multi-client, multi-currency, and multilingual capabilities, making it a preferred partner for both traditional and emerging banking models across the DACH region and beyond. Founded in 1982 and headquartered in Munich, B+S Banksysteme AG continues to advance operational efficiencies and regulatory compliance for its clientele through robust, scalable banking technologies.
15.08% operating margin is respectable but not wide. ROIC at 7.08%. Suggests the business covers its cost of capital, but doesn't point to a wide moat.
Revenue up 13.2% YoY with margins expanding 12.5pp.
Insufficient data to identify specific risks. Treat any missing metrics as a data gap, not a clean bill of health.
Profitability & Returns
Revenue (TTM)
€13M
▲ +13.2% YoY
Net Income (TTM)
€1M
▲ +180.0% YoY
Op. Margin
15.08%
▲ +12.5pp YoY
ROIC
7.08%
▲ +5.6pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
€3M
▲ +1282.4% YoY
Op. Cash Flow (TTM)
€3M
▲ +1063.3% YoY
Net Debt
€4M
Cash & Equiv.
€2M
3Y CAGR: +6.8%
3Y CAGR: +61.5%
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