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PROFILE Systems & Software S.A.

PROFILE Systems & Software S.A.

AATHEX:PROF
10.38
EUR
-0.16
(-1.52%)
5.00MMarket Cap
Mar 03Next Earn
PROFILE Systems & Software S.A.
ATHEX:PROF
(Athens Stock Exchange)

Recent

price

10.38

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
EUR
0.47
0.43
0.43
0.4
0.41
0.4
0.39
0.49
0.6
0.68
0.64
0.81
1.05
1.23
1.64
1.93
- -
Revenue per Share
- -
0.01
0.02
0.03
0.04
0.04
0.02
0.04
0.05
0.08
0.04
0.09
0.18
0.16
0.23
0.26
- -
Basic EPS, GAAP
-0.07
0.03
0.03
- -
0.01
0.08
-0.18
0.01
0.09
0.08
0.02
-0.02
-0.08
-0.08
0.28
0.23
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
0.02
0.03
0.01
0.02
0.03
0.04
0.05
0.06
- -
Dividend per Share
0.57
0.59
0.62
0.64
0.67
0.71
0.74
0.77
0.82
0.88
0.95
1.04
1.17
1.31
1.48
1.64
0.72
Book Value per Share
0.34
0.35
0.34
0.38
0.43
0.5
0.46
0.45
0.51
0.6
0.67
0.57
0.64
0.73
0.84
0.97
0.46
Tangible Book Value per Share
24
24
24
24
24
24
24
24
23
23
24
24
24
24
24
25
23
Basic Weighted Avg Shares
11
10
10
9
10
9
9
12
14
16
15
19
25
30
40
48
- -
Sales/Revenue/Turnover
3.01
5.31
8.72
9.53
9.69
10.38
8.24
16.64
14.1
13.8
14.16
12.9
16.66
18.2
19.28
20.05
- -
Operating Margin (%)
1
1
2
2
2
2
2
2
2
2
2
3
2
2
2
4
- -
Depreciation Expense
- -
- -
1
1
1
1
1
1
1
2
1
2
4
4
6
6
- -
Net Income, GAAP
65.22
51.75
16.78
3.7
7.97
8.72
- -
27.08
26.06
27.34
27.46
20.92
14.64
24.97
22.95
22.73
- -
Effective Tax Rate (%)
0.76
1.72
5.29
6.94
9.13
9.77
6.04
8.83
9.12
11.21
6.34
11.44
17.39
12.8
13.94
13.37
- -
Profit Margin (%)
5
4
5
5
6
9
11
10
10
10
14
13
13
14
20
27
5
Working Capital
2
1
1
- -
- -
2
2
2
2
- -
2
4
3
1
4
7
2
LT Debt
14
14
14
15
16
17
17
18
19
20
22
25
28
32
36
40
17
Total Equity
0.61
1.35
3.92
4.61
4.53
4.33
- -
7.18
6.98
6.67
5.31
6.7
11.28
11.57
14.89
14.05
- -
Return on Invested Capital (%)
0.61
1.05
2.91
3.65
4.66
4.65
- -
5.97
6.35
8.32
4.5
8.12
13.57
11.52
14.88
13.93
- -
Return on Capital (%)
0.61
1.24
3.72
4.35
5.69
5.64
3.29
5.73
6.84
9.19
4.51
9.29
16.42
12.85
16.34
16.57
- -
Return on Common Equity (%)

Capital Structure

EUR

•

in mil. unless spec.
Sep'15
Dec'15
Jun'16
ST Debt
3
3
3
LT Borrowings
- -
2
2
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
24
24
24
Market Capitalization
6
6
5

Working Capital

EUR

•

in mil. unless spec.
Sep'15
Dec'15
Jun'16
Total Current Assets
17
19
20
Cash, Cash Equivalents & STI
7
10
10
Accounts Receivable, Net
11
7
12
Inventories
- -
- -
- -
Total Current Liabilities
10
11
15
Payables & Accruals
- -
- -
- -
ST Debt
3
3
3
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.26%
12.52%
10.67%
Free Cash Flow
-19.57%
-82.98%
-17.93%
Net Income, GAAP
33.66%
55.2%
13.68%
Sales/Revenue/Turnover
18.21%
25.99%
18.49%
Total Cash Common Dividend
- -
42.55%
33.33%

Semi-annual Revenue

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
30
2024
- -
- -
40
2025
- -
- -
48

Semi-annual Earnings Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.16
2024
- -
- -
0.23
2025
- -
- -
0.26

Semi-annual Dividends Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.04
2024
- -
- -
0.05
2025
- -
- -
0.06
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Business
Profile Systems & Software S.A. Profile Systems & Software SA is a Greece-based international information technology company founded in 1990 and headquartered in Athens that specializes in developing and providing integrated financial services software solutions for the banking, investment management, treasury, risk management, fintech, and capital markets industries; its core products include Axia for wealth management, IMSplus for investment portfolio management, FMS.next and FMS.next Payments for financial and treasury management, RiskAvert for risk and compliance, Native Wealth Management Mobile App, GS Market Suite for capital markets, Plexus and Registry for shareholder management, Nowen-net for marketplace lending, and Universal Ticketing Solution, with additional services encompassing project management, consulting, customization, customer support, training, and partnerships with global IT firms for end-to-end implementations. The company serves financial institutions, public sector entities, and businesses worldwide, targeting private banks, investment firms, family offices, peer-to-peer lending platforms, and alternative finance providers across more than 50 countries in Europe, the Middle East, Asia, Africa, and the Americas, operating through offices in Athens, Geneva, Dubai, London, Singapore, and Nicosia with approximately 200-500 employees. In recent developments, Profile Systems & Software S.A. signed a share purchase agreement on November 21, 2025, to acquire an 87.23% stake in Algosystems S.A., marking a significant expansion in its software capabilities; the company listed on the Athens Exchange in 2003 following earlier acquisitions of BeCom, Analysis, and a majority stake in Globalsoft, and has sustained strong growth with trailing twelve-month revenue of around 44.67 million euros and net income of 6.08 million euros as of late 2025, alongside consistent product innovations such as P2P lending software launched in 2013 and ongoing enhancements to its banking and investment platforms.