B+S Banksysteme AGFRA:DTD2 -0.26%81 EV-to-FCF is 4.92 as of Jul. 11, 2026, which is 60% below its 10-year median of 12.28. GuruFocus rates FRA:DTD2 with a GF Score™ of 81/100 and a GF Value™ of €1.90 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,592 Software companies, B+S Banksysteme AG ranks better than 84.92% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, B+S Banksysteme AG's Enterprise Value is €14.39 Mil.
B+S Banksysteme AG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €2.93 Mil. Therefore, B+S Banksysteme AG's EV-to-FCF for today is 4.92.
The historical rank and industry rank for B+S Banksysteme AG's EV-to-FCF or its related term are showing as below:
FRA:DTD2'
s EV-to-FCF Range Over the Past 10 Years
Min: -11.77 Med: 12.28 Max: 96.84
Current: 4.92
During the past 13 years, the highest EV-to-FCF of B+S Banksysteme AG was 96.84. The lowest was -11.77. And the median was 12.28.
FRA:DTD2's EV-to-FCF is ranked better than 84.92% of 1592
companies
in the Software industry
Industry Median: 14.7
vs FRA:DTD2: 4.92
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
B+S Banksysteme AG (FRA:DTD2) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
B+S Banksysteme AG's PE Ratio (TTM) for today is calculated as:
B+S Banksysteme AG's share price for today is €1.90.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. B+S Banksysteme AG's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.230.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
B+S Banksysteme AG EV-to-FCF Related Terms
B+S Banksysteme AG EV-to-FCF Historical Data
* Premium members only.
The historical data trend for B+S Banksysteme AG's EV-to-FCF 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.
For the Software - Application subindustry, B+S Banksysteme AG's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Software Industry
For the Software industry and Technology sector, B+S Banksysteme AG's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where B+S Banksysteme AG's EV-to-FCF falls into.
B+S Banksysteme AG's current Enterprise Value is €14.39 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. B+S Banksysteme AG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €2.93 Mil.
* 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 EV-to-FCF of 4.92 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on B+S Banksysteme AG and its competitors. This is 60% below median its historical median of 12.28. According to the industry distribution chart, B+S Banksysteme AG ranks #240 out of 1592 companies in the Software industry, placing it in the top 15.1%.
Is B+S Banksysteme AG's EV-to-FCF too high?
B+S Banksysteme AG's current EV-to-FCF of 4.92 is 60% below median its 10-year median of 12.28. The Software industry median EV-to-FCF is 14.70. B+S Banksysteme AG's value of 4.92 is 66.5% below this industry median. Based on the distribution chart, B+S Banksysteme AG ranks #240 out of 1592 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, B+S Banksysteme AG has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does B+S Banksysteme AG's EV-to-FCF compare to UBER and SHOP?
According to the Software industry distribution chart, B+S Banksysteme AG ranks #240 out of 1592 companies for EV-to-FCF. This places B+S Banksysteme AG in the top 15% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 14.70. B+S Banksysteme AG's value of 4.92 is 66.5% below this benchmark. While the company's 10-year median is 12.28 vs. the industry median of 14.70, B+S Banksysteme AG has consistently been below 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 EV-to-FCF for a Software company?
The median EV-to-FCF among Software companies is 14.70, based on 1,592 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. B+S Banksysteme AG's current EV-to-FCF of 4.92 is 66.5% below 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on B+S Banksysteme AG and its competitors. For the Software industry, the median EV-to-FCF is 14.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. B+S Banksysteme AG's current EV-to-FCF is 4.92, which is 60% below median its own 10-year median of 12.28. 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 €1.90, compared to a current price of €1.90 — trading right at its estimated fair value. The current EV-to-FCF is 4.92, which is 60% below median its 10-year median of 12.28 and 66.5% below the Software industry median of 14.70. B+S Banksysteme AG's overall GF Score™ is 81/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For B+S Banksysteme AG (FRA:DTD2), the current EV-to-FCF is 4.92 as of Jul. 11, 2026. 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 €1.90 is trading 0% below its estimated GF Value™ of €1.90.
GuruFocus considers B+S Banksysteme AG to be Fairly Valued.
Key valuation signals for FRA:DTD2:
EV-to-FCF: 4.92 (60% below median its 10-year median of 12.28)
GF Value™: €1.90 vs. price of €1.90 (0% below fair value)
Industry Position: 66.5% below the Software median (#240 of 1592)
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).
81GF Score
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