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  3. •

    Internet software/Services
B+S Banksysteme Aktiengesellschaft

B+S Banksysteme Aktiengesellschaft

1.78
EUR
+0.01
(+0.57%)
12.30MMarket Cap
Feb 12Next Earn
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
TTM
Revenue per Share
1.3
1.29
1.16
1.26
1.32
1.65
1.58
1.46
1.59
1.68
1.78
1.81
2.05
- -
Basic EPS, GAAP
0.01
0.1
0.06
0.14
0.09
0.27
0.17
-0.05
-0.05
0.03
- -
0.07
0.2
- -
Free Cash Flow per Basic Share
-0.03
0.14
0.05
0.1
0.22
0.43
0.5
-0.27
0.27
0.11
0.23
0.03
0.44
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
0.44
1.2
1.28
1.61
1.7
1.97
2.13
2.07
2.03
2.05
2.05
2.11
2.31
2.45
Tangible Book Value per Share
-1.57
-0.89
-0.79
-0.4
-0.27
0.22
0.14
0.03
-0.11
-0.03
0.03
0.1
0.32
0.46
Basic Weighted Avg Shares
6
6
6
6
6
6
6
6
6
6
6
6
6
6
Sales/Revenue/Turnover
8
8
7
8
8
10
10
9
10
10
11
11
13
- -
Operating Margin (%)
9.91
12.32
7.06
14.61
10.14
19.76
9.46
-9.03
-7.61
-4.04
1.09
2.59
15.08
- -
Depreciation Expense
1
1
1
1
1
1
1
1
2
2
1
1
1
- -
Net Income, GAAP
- -
1
- -
1
1
2
1
- -
- -
- -
- -
- -
1
- -
Effective Tax Rate (%)
23.68
- -
- -
8.54
- -
32.4
30.83
- -
- -
- -
93.27
- -
25.6
- -
Profit Margin (%)
1.09
7.8
4.93
10.83
7.17
16.3
10.86
-3.68
-3.02
1.84
0.14
3.93
9.71
- -
Working Capital
-10
-9
-9
-3
-3
-1
- -
-2
-3
-3
-2
-2
-1
- -
LT Debt
5
5
5
5
5
5
5
4
7
6
6
5
5
5
Total Equity
3
7
8
10
11
12
13
13
13
13
13
13
14
15
Return on Invested Capital (%)
6.34
- -
- -
6.55
- -
10.21
6.56
- -
- -
- -
0.14
- -
6.37
- -
Return on Capital (%)
6.43
- -
- -
7.93
- -
10.27
6.64
- -
- -
- -
0.08
- -
7
- -
Return on Common Equity (%)
3.9
12.41
4.65
9.47
5.72
14.66
8.38
-2.55
-2.33
1.52
0.13
3.42
9.01
- -

Capital Structure

EUR

•

in mil. unless spec.
Dec'24
Jun'24
Dec'25
ST Debt
2
1
1
LT Borrowings
- -
- -
- -
LT Finance Leases
5
5
5
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
10
10
12

Working Capital

EUR

•

in mil. unless spec.
Dec'24
Jun'24
Dec'25
Total Current Assets
4
5
7
Cash, Cash Equivalents & STI
1
2
1
Accounts Receivable, Net
2
1
5
Inventories
- -
- -
- -
Total Current Liabilities
6
6
7
Payables & Accruals
- -
- -
- -
ST Debt
2
1
1
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.55%
2.23%
9.56%
Free Cash Flow
122.45%
210.79%
1,282.41%
Net Income, GAAP
269.43%
513.83%
180.05%
Sales/Revenue/Turnover
6.21%
7.11%
13.22%
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
11
2024
- -
- -
13
2025
- -
- -
- -

Semi-annual Earnings Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.07
2024
- -
- -
0.2
2025
- -
- -
- -

Semi-annual Dividends Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
- -
2024
- -
- -
- -
2025
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Peter Bauch
Full Time Employees
80
Sector
Technology services
Industry
Internet software/Services
Address
Elsenheimerstrasse 57 Munich BV Germany 80687
IPO Date
Nov 9, 1998
Website
bs-ag.com
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Business
B+S Banksysteme Aktiengesellschaft B+S Banksysteme Aktiengesellschaft develops and markets specialized software solutions for banks, financial service providers, fintechs, and corporates, focusing on electronic banking, payment transactions, risk management, currency management, and treasury and trading. The company offers core banking systems, online and mobile banking applications, documentary payment transactions including letters of credit for import and export, precious metals trading modules, and flexible building blocks for immediate deployment; it provides open banking APIs compliant with standards such as HBCI, FinTS, EBICS, and XS2A, alongside services like account information, payment initiation, securities handling, credit cards, and anti-money laundering reporting. Delivery models encompass Banking as a Service (BaaS) under a ZAG license, Software as a Service (SaaS), and License as a Service, serving over 20 million users who process more than 25 million transactions daily with 100% availability. Founded in 1982 and headquartered at Elsenheimerstrasse 57 in Munich, Germany, B+S Banksysteme Aktiengesellschaft maintains operations across the D-A-CH region (Germany, Austria, Switzerland) with locations including Salzburg and Hilterfingen, targeting private banks, savings banks, cooperative banks, Landesbanken, neobanks, and corporate clients. The company holds market leadership in electronic banking in Germany, with established solutions deployed for over 40 years and a workforce exceeding 100 experts. Recent developments include participation in the Bankenkongress KURS 2025 alongside A-Trust and DocuMatrix, hosting the B+S Customer and Partner Day on June 13, 2024, in Salzburg with a focus on current market dynamics, and conducting the annual general meeting on December 9, 2024, in Munich. In March 2025, board members Peter Bauch and Simon Berger executed significant share transactions, with Bauch selling and Berger buying positions valued at 150,000 euros each. The company marked its 40th anniversary in 2023 alongside its 25th stock exchange listing anniversary, reinforcing its growth trajectory amid positive business developments and low employee turnover.