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DF DEUTSCHE FORFAIT AG (DFTK.DE) Stock Fundamental Analysis

Europe - FRA:DFTK - DE000A2AA204 - Common Stock

1.36 EUR
-0.02 (-1.45%)
Last: 10/20/2025, 7:00:00 PM
Fundamental Rating

3

DFTK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 50 industry peers in the Financial Services industry. DFTK has an average financial health and profitability rating. DFTK does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

DFTK had positive earnings in the past year.
DFTK had a negative operating cash flow in the past year.
Each year in the past 5 years DFTK has been profitable.
In multiple years DFTK reported negative operating cash flow during the last 5 years.
DFTK.DE Yearly Net Income VS EBIT VS OCF VS FCFDFTK.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M -20M

1.2 Ratios

DFTK has a Return On Assets (1.65%) which is comparable to the rest of the industry.
DFTK has a Return On Equity (2.67%) which is comparable to the rest of the industry.
DFTK's Return On Invested Capital of 4.44% is fine compared to the rest of the industry. DFTK outperforms 62.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for DFTK is below the industry average of 8.73%.
Industry RankSector Rank
ROA 1.65%
ROE 2.67%
ROIC 4.44%
ROA(3y)6.14%
ROA(5y)11.11%
ROE(3y)10.49%
ROE(5y)21.25%
ROIC(3y)6.07%
ROIC(5y)6.39%
DFTK.DE Yearly ROA, ROE, ROICDFTK.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2017 2018 2019 2020 2021 2022 2023 2024 0 100 200 300 400

1.3 Margins

The Profit Margin of DFTK (7.00%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of DFTK has declined.
DFTK has a better Operating Margin (33.57%) than 80.00% of its industry peers.
In the last couple of years the Operating Margin of DFTK has remained more or less at the same level.
Looking at the Gross Margin, with a value of 88.93%, DFTK belongs to the top of the industry, outperforming 92.00% of the companies in the same industry.
DFTK's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 33.57%
PM (TTM) 7%
GM 88.93%
OM growth 3Y-7.26%
OM growth 5Y-0.63%
PM growth 3Y-35.85%
PM growth 5Y-7.26%
GM growth 3Y-0.97%
GM growth 5Y0.33%
DFTK.DE Yearly Profit, Operating, Gross MarginsDFTK.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200

6

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), DFTK is creating some value.
Compared to 1 year ago, DFTK has about the same amount of shares outstanding.
DFTK has about the same amout of shares outstanding than it did 5 years ago.
DFTK has a better debt/assets ratio than last year.
DFTK.DE Yearly Shares OutstandingDFTK.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
DFTK.DE Yearly Total Debt VS Total AssetsDFTK.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

2.2 Solvency

An Altman-Z score of 2.41 indicates that DFTK is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.41, DFTK is in the better half of the industry, outperforming 64.00% of the companies in the same industry.
DFTK has a Debt/Equity ratio of 0.43. This is a healthy value indicating a solid balance between debt and equity.
DFTK has a Debt to Equity ratio of 0.43. This is comparable to the rest of the industry: DFTK outperforms 50.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF N/A
Altman-Z 2.41
ROIC/WACC0.79
WACC5.6%
DFTK.DE Yearly LT Debt VS Equity VS FCFDFTK.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M

2.3 Liquidity

DFTK has a Current Ratio of 8.08. This indicates that DFTK is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 8.08, DFTK belongs to the top of the industry, outperforming 86.00% of the companies in the same industry.
DFTK has a Quick Ratio of 7.95. This indicates that DFTK is financially healthy and has no problem in meeting its short term obligations.
DFTK has a Quick ratio of 7.95. This is amongst the best in the industry. DFTK outperforms 86.00% of its industry peers.
Industry RankSector Rank
Current Ratio 8.08
Quick Ratio 7.95
DFTK.DE Yearly Current Assets VS Current LiabilitesDFTK.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

1

3. Growth

3.1 Past

DFTK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.50%.
The earnings per share for DFTK have been decreasing by -10.40% on average. This is quite bad
Looking at the last year, DFTK shows a very strong growth in Revenue. The Revenue has grown by 30.69%.
The Revenue has been decreasing by -3.38% on average over the past years.
EPS 1Y (TTM)-22.5%
EPS 3Y-34.81%
EPS 5Y-10.4%
EPS Q2Q%-66.67%
Revenue 1Y (TTM)30.69%
Revenue growth 3Y1.67%
Revenue growth 5Y-3.38%
Sales Q2Q%29.48%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
DFTK.DE Yearly Revenue VS EstimatesDFTK.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1

4. Valuation

4.1 Price/Earnings Ratio

DFTK is valuated rather expensively with a Price/Earnings ratio of 17.00.
62.00% of the companies in the same industry are more expensive than DFTK, based on the Price/Earnings ratio.
DFTK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.69.
Industry RankSector Rank
PE 17
Fwd PE N/A
DFTK.DE Price Earnings VS Forward Price EarningsDFTK.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA -0.27
DFTK.DE Per share dataDFTK.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.15%, DFTK has a reasonable but not impressive dividend return.
The stock price of DFTK dropped by -20.93% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.62, DFTK pays a bit more dividend than its industry peers.
DFTK's Dividend Yield is comparable with the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 2.15%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
DFTK.DE Yearly Dividends per shareDFTK.DE Yearly Dividends per shareYearly Dividends per share 2023 2025 0.01 0.02 0.03 0.04 0.05

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
DFTK.DE Yearly Income VS Free CF VS DividendDFTK.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M -20M

DF DEUTSCHE FORFAIT AG

FRA:DFTK (10/20/2025, 7:00:00 PM)

1.36

-0.02 (-1.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)09-26 2025-09-26
Earnings (Next)N/A N/A
Inst Owners1.95%
Inst Owner ChangeN/A
Ins Owners66.32%
Ins Owner ChangeN/A
Market Cap16.17M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.15%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 17
Fwd PE N/A
P/S 1.36
P/FCF N/A
P/OCF N/A
P/B 0.52
P/tB 0.52
EV/EBITDA -0.27
EPS(TTM)0.08
EY5.88%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.71
FCFYN/A
OCF(TTM)-0.49
OCFYN/A
SpS1
BVpS2.63
TBVpS2.61
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.65%
ROE 2.67%
ROCE 8.79%
ROIC 4.44%
ROICexc 13.97%
ROICexgc 14.09%
OM 33.57%
PM (TTM) 7%
GM 88.93%
FCFM N/A
ROA(3y)6.14%
ROA(5y)11.11%
ROE(3y)10.49%
ROE(5y)21.25%
ROIC(3y)6.07%
ROIC(5y)6.39%
ROICexc(3y)37.07%
ROICexc(5y)34.86%
ROICexgc(3y)37.32%
ROICexgc(5y)35.2%
ROCE(3y)12.02%
ROCE(5y)12.65%
ROICexcg growth 3Y13.1%
ROICexcg growth 5YN/A
ROICexc growth 3Y13.05%
ROICexc growth 5YN/A
OM growth 3Y-7.26%
OM growth 5Y-0.63%
PM growth 3Y-35.85%
PM growth 5Y-7.26%
GM growth 3Y-0.97%
GM growth 5Y0.33%
F-Score3
Asset Turnover0.24
Health
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF N/A
Debt/EBITDA 2.9
Cap/Depr 433.76%
Cap/Sales 21.27%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 8.08
Quick Ratio 7.95
Altman-Z 2.41
F-Score3
WACC5.6%
ROIC/WACC0.79
Cap/Depr(3y)121.1%
Cap/Depr(5y)238.65%
Cap/Sales(3y)4.24%
Cap/Sales(5y)5.96%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-22.5%
EPS 3Y-34.81%
EPS 5Y-10.4%
EPS Q2Q%-66.67%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)30.69%
Revenue growth 3Y1.67%
Revenue growth 5Y-3.38%
Sales Q2Q%29.48%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-7.35%
EBIT growth 3Y-5.71%
EBIT growth 5Y-3.99%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-155.86%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-79.39%
OCF growth 3YN/A
OCF growth 5YN/A