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B+S Banksysteme AGFRA:DTD2 80 Debt-to-Equity is 0.27 as of Dec. 2025, which is 46% below its 10-year median of 0.50. GuruFocus rates FRA:DTD2 with a GF Score™ of 80/100 and a GF Value™ of €2.03 (Fairly Valued). The stock has 2 warning signs investors should review. Among 2,239 Software companies, B+S Banksysteme AG ranks worse than 55.96% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for B+S Banksysteme AG's Debt-to-Equity or its related term are showing as below:
FRA:DTD2'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.27 Med: 0.5 Max: 1.04
Current: 0.27
During the past 13 years, the highest Debt-to-Equity Ratio of B+S Banksysteme AG was 1.04. The lowest was 0.27. And the median was 0.50.
FRA:DTD2's Debt-to-Equity is ranked worse than 55.96% of 2239
companies
in the Software industry
Industry Median: 0.2
vs FRA:DTD2: 0.27
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
B+S Banksysteme AG Debt-to-Equity Related Terms
B+S Banksysteme AG Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for B+S Banksysteme AG's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:DTD2 vs CRM, SHOP, UBER: Debt-to-Equity Comparison
For the Software - Application subindustry, B+S Banksysteme AG's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
B+S Banksysteme AG Debt-to-Equity vs Software Industry
For the Software industry and Technology sector, B+S Banksysteme AG's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where B+S Banksysteme AG's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
B+S Banksysteme AG (FRA:DTD2) has a Debt-to-Equity of 0.27 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on B+S Banksysteme AG and its competitors. This is 46% below median its historical median of 0.50. Over the past decade, B+S Banksysteme AG's Debt-to-Equity has ranged from 0.27 to 1.04. According to the industry distribution chart, B+S Banksysteme AG ranks #1253 out of 2239 companies in the Software industry, placing it in the top 56%.
Is B+S Banksysteme AG's Debt-to-Equity too high?
B+S Banksysteme AG's current Debt-to-Equity of 0.27 is 46% below median its 10-year median of 0.50. Over the past 10 years, this metric has ranged from a low of 0.27 to a high of 1.04. The Software industry median Debt-to-Equity is 0.20. B+S Banksysteme AG's value of 0.27 is 35% above this industry median. Based on the distribution chart, B+S Banksysteme AG ranks #1253 out of 2239 companies in the Software industry, which is below the industry midpoint. Overall, B+S Banksysteme AG has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does B+S Banksysteme AG's Debt-to-Equity compare to CRM and SHOP?
According to the Software industry distribution chart, B+S Banksysteme AG ranks #1253 out of 2239 companies for Debt-to-Equity. This places B+S Banksysteme AG in the lower half of its industry. The industry median Debt-to-Equity is 0.20. B+S Banksysteme AG's value of 0.27 is 35% above this benchmark. Historically, B+S Banksysteme AG's own Debt-to-Equity has ranged from 0.27 to 1.04 over the past decade. While the company's 10-year median is 0.50 vs. the industry median of 0.20, B+S Banksysteme AG has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Software company?
The median Debt-to-Equity among Software companies is 0.20, based on 2,239 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. B+S Banksysteme AG's current Debt-to-Equity of 0.27 is 35% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on B+S Banksysteme AG and its competitors. For the Software industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. B+S Banksysteme AG's current Debt-to-Equity is 0.27, which is 46% below median its own 10-year median of 0.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is B+S Banksysteme AG stock overvalued right now?
Based on GuruFocus' analysis, B+S Banksysteme AG (FRA:DTD2) is currently considered Fairly Valued. The stock's GF Value™ is €2.03, compared to a current price of €1.91 — trading 6.2% below its estimated fair value. The current Debt-to-Equity is 0.27, which is 46% below median its 10-year median of 0.50 and 35% above the Software industry median of 0.20. B+S Banksysteme AG's overall GF Score™ is 80/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For B+S Banksysteme AG (FRA:DTD2), the current Debt-to-Equity is 0.27 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is B+S Banksysteme AG (FRA:DTD2) Overvalued in 2026?
Based on GuruFocus' analysis, B+S Banksysteme AG stock appears to be undervalued.
The current stock price of €1.91 is trading 6.2% below its estimated GF Value™ of €2.03.
GuruFocus considers B+S Banksysteme AG to be Fairly Valued.
Key valuation signals for FRA:DTD2:
Debt-to-Equity: 0.27 (46% below median its 10-year median of 0.50)
GF Value™: €2.03 vs. price of €1.91 (6.2% below fair value)
Industry Position: 35% above the Software median (#1253 of 2239)
No single metric tells the full story. See the FRA:DTD2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
B+S Banksysteme AG develops and markets software solutions for the completion of financial transactions with banks, savings banks, and industrial enterprises. It is engaged in the creation and development of its own programs for data processing, duplication, licensing, and distribution as well as consulting for companies. The company's headquarters have been in Munich with further locations in Austria (Salzburg) and Switzerland (Canton Bern).
80GF Score
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