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Banqup Group has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Banqup Group SA displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Banqup Group did not have earnings to cover the interest expense.
Banqup Group's debt to revenue ratio for the quarter that ended in Dec. 2025 was 1.15.
As of today, Banqup Group's Altman Z-Score is -1.20.
Banqup Group (CHIX:BANQb) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Banqup Group has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Banqup Group Financial Strength Related Terms
CHIX:BANQB vs QH, SHOP, UBER: Financial Strength Comparison
For the Software - Application subindustry, Banqup Group's Financial Strength, along with its competitors' market caps and Financial Strength 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.
Banqup Group Financial Strength vs Software Industry
For the Software industry and Technology sector, Banqup Group's Financial Strength distribution charts can be found below:
* The bar in red indicates where Banqup Group's Financial Strength falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Banqup Group has a Z-score of -1.20, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.
Warning Sign:
Altman Z-score of -1.2 is in distress zone. This implies bankruptcy possibility in the next two years.
* 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.
Banqup Group (CHIX:BANQB) has a Financial Strength of 2 as of Dec. 2025. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Banqup Group and its competitors. This is near median its historical median of 2.00. Over the past decade, Banqup Group's Financial Strength has ranged from 1.00 to 5.00.
Is Banqup Group's Financial Strength too high?
Banqup Group's current Financial Strength of 2 is near median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 5.00. Overall, Banqup Group has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Banqup Group's Financial Strength compare to QH and SHOP?
Banqup Group's Financial Strength of 2 can be compared against companies in the Software industry. Historically, Banqup Group's own Financial Strength has ranged from 1.00 to 5.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Software company?
A good Financial Strength depends on the Software industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Banqup Group and its competitors. Banqup Group's current Financial Strength is 2, which is near median its own 10-year median of 2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banqup Group stock overvalued right now?
Banqup Group (CHIX:BANQB) has a current Financial Strength of 2. The stock's GF Value™ is €3.53, compared to a current price of €3.35 — trading 5.1% below its estimated fair value. The current Financial Strength is 2, which is near median its 10-year median of 2.00. Banqup Group's overall GF Score™ is 51/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Banqup Group (CHIX:BANQB), the current Financial Strength is 2 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 Banqup Group (CHIX:BANQB) Overvalued in 2026?
Based on GuruFocus' analysis, Banqup Group stock appears to be undervalued.
The current stock price of €3.35 is trading 5.1% below its estimated GF Value™ of €3.53.
Key valuation signals for CHIX:BANQB:
Financial Strength: 2 (near median its 10-year median of 2.00)
GF Value™: €3.53 vs. price of €3.35 (5.1% below fair value)
No single metric tells the full story. See the CHIX:BANQB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banqup Group SA provides integrated cloud-based SaaS solutions to streamline business transactions across the entire lifecycle, from e-invoicing and e-payments to tax reporting. The Group provides solutions for businesses, unifying purchase-to-pay, order-to-cash, e-invoicing compliance, and e-payments into one secure platform, removing the complexity of juggling disconnected tools. Its operating segments are: Digital Services, Traditional Communication Services, and Corporate. Maximum revenue is generated from the Digital Services segment, which groups CGUs Digital Document Processing and Payment: focusing on the core digital services of the Group, i.e., e-trust, e-invoicing, e-payments, and e-reporting. Geographically, the Group mainly operates across different markets in Europe.
51GF Score
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