PSI SOFTWARE SE (PSAN.DE) Stock Fundamental Analysis
Europe - FRA:PSAN - DE000A0Z1JH9 - Common Stock
44.3 EUR
-0.7 (-1.56%)
Taking everything into account, PSAN scores 4 out of 10 in our fundamental rating. PSAN was compared to 107 industry peers in the Software industry. Both the profitability and the financial health of PSAN get a neutral evaluation. Nothing too spectacular is happening here. PSAN is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
PSAN had negative earnings in the past year.
PSAN had a positive operating cash flow in the past year.
PSAN had positive earnings in 4 of the past 5 years.
PSAN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
PSAN's Return On Assets of 0.07% is in line compared to the rest of the industry. PSAN outperforms 41.44% of its industry peers.
PSAN has a Return On Equity (0.18%) which is in line with its industry peers.
PSAN has a Return On Invested Capital of 2.89%. This is comparable to the rest of the industry: PSAN outperforms 55.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.07% | ||
| ROE | 0.18% | ||
| ROIC | 2.89% |
ROA(3y)-1.33%
ROA(5y)1.11%
ROE(3y)-4.51%
ROE(5y)2.1%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of PSAN (0.06%) is comparable to the rest of the industry.
The Operating Margin of PSAN (2.23%) is comparable to the rest of the industry.
PSAN's Gross Margin of 86.76% is amongst the best of the industry. PSAN outperforms 81.98% of its industry peers.
In the last couple of years the Gross Margin of PSAN has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.23% | ||
| PM (TTM) | 0.06% | ||
| GM | 86.76% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.1%
GM growth 5Y-0.08%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PSAN is destroying value.
Compared to 1 year ago, PSAN has about the same amount of shares outstanding.
Compared to 5 years ago, PSAN has less shares outstanding
The debt/assets ratio for PSAN is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 4.10 indicates that PSAN is not in any danger for bankruptcy at the moment.
With a decent Altman-Z score value of 4.10, PSAN is doing good in the industry, outperforming 61.26% of the companies in the same industry.
A Debt/Equity ratio of 0.22 indicates that PSAN is not too dependend on debt financing.
The Debt to Equity ratio of PSAN (0.22) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.1 |
ROIC/WACC0.4
WACC7.29%
2.3 Liquidity
A Current Ratio of 1.43 indicates that PSAN should not have too much problems paying its short term obligations.
With a Current ratio value of 1.43, PSAN perfoms like the industry average, outperforming 50.45% of the companies in the same industry.
PSAN has a Quick Ratio of 1.40. This is a normal value and indicates that PSAN is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.40, PSAN is in line with its industry, outperforming 53.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.43 | ||
| Quick Ratio | 1.4 |
3. Growth
3.1 Past
PSAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 99.36%, which is quite impressive.
The Revenue has been growing slightly by 7.04% in the past year.
The Revenue has been growing slightly by 2.98% on average over the past years.
EPS 1Y (TTM)99.36%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%72.57%
Revenue 1Y (TTM)7.04%
Revenue growth 3Y2.04%
Revenue growth 5Y2.98%
Sales Q2Q%4.78%
3.2 Future
Based on estimates for the next years, PSAN will show a very strong growth in Earnings Per Share. The EPS will grow by 34.48% on average per year.
PSAN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.97% yearly.
EPS Next Y126.15%
EPS Next 2Y67.19%
EPS Next 3Y46.96%
EPS Next 5Y34.48%
Revenue Next Year16.32%
Revenue Next 2Y13.24%
Revenue Next 3Y12.16%
Revenue Next 5Y11.97%
3.3 Evolution
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for PSAN. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 52.90, which means the current valuation is very expensive for PSAN.
PSAN's Price/Forward Earnings is on the same level as the industry average.
PSAN is valuated expensively when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 52.9 |
4.2 Price Multiples
PSAN's Enterprise Value to EBITDA ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 33.73 |
4.3 Compensation for Growth
PSAN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as PSAN's earnings are expected to grow with 46.96% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y67.19%
EPS Next 3Y46.96%
5. Dividend
5.1 Amount
PSAN has a Yearly Dividend Yield of 1.72%. Purely for dividend investing, there may be better candidates out there.
PSAN's Dividend Yield is rather good when compared to the industry average which is at 2.22. PSAN pays more dividend than 89.19% of the companies in the same industry.
PSAN's Dividend Yield is slightly below the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.72% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DP0%
EPS Next 2Y67.19%
EPS Next 3Y46.96%
FRA:PSAN (11/14/2025, 7:00:00 PM)
44.3
-0.7 (-1.56%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners21.15%
Inst Owner ChangeN/A
Ins Owners31.18%
Ins Owner ChangeN/A
Market Cap695.51M
Revenue(TTM)281.44M
Net Income(TTM)167.00K
Analysts81.67
Price Target42.13 (-4.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.72% |
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)13.34%
PT rev (3m)15.04%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-69.42%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 52.9 | ||
| P/S | 2.47 | ||
| P/FCF | N/A | ||
| P/OCF | 127.08 | ||
| P/B | 7.48 | ||
| P/tB | 31.79 | ||
| EV/EBITDA | 33.73 |
EPS(TTM)-0.01
EYN/A
EPS(NY)0.84
Fwd EY1.89%
FCF(TTM)-0.24
FCFYN/A
OCF(TTM)0.35
OCFY0.79%
SpS17.93
BVpS5.93
TBVpS1.39
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.07% | ||
| ROE | 0.18% | ||
| ROCE | 4.1% | ||
| ROIC | 2.89% | ||
| ROICexc | 3.63% | ||
| ROICexgc | 8.74% | ||
| OM | 2.23% | ||
| PM (TTM) | 0.06% | ||
| GM | 86.76% | ||
| FCFM | N/A |
ROA(3y)-1.33%
ROA(5y)1.11%
ROE(3y)-4.51%
ROE(5y)2.1%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.1%
GM growth 5Y-0.08%
F-Score7
Asset Turnover1.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0.96 | ||
| Cap/Depr | 63.18% | ||
| Cap/Sales | 3.31% | ||
| Interest Coverage | 21.34 | ||
| Cash Conversion | 26.05% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.43 | ||
| Quick Ratio | 1.4 | ||
| Altman-Z | 4.1 |
F-Score7
WACC7.29%
ROIC/WACC0.4
Cap/Depr(3y)60%
Cap/Depr(5y)53.79%
Cap/Sales(3y)3.32%
Cap/Sales(5y)2.97%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)99.36%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%72.57%
EPS Next Y126.15%
EPS Next 2Y67.19%
EPS Next 3Y46.96%
EPS Next 5Y34.48%
Revenue 1Y (TTM)7.04%
Revenue growth 3Y2.04%
Revenue growth 5Y2.98%
Sales Q2Q%4.78%
Revenue Next Year16.32%
Revenue Next 2Y13.24%
Revenue Next 3Y12.16%
Revenue Next 5Y11.97%
EBIT growth 1Y173.91%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year248.89%
EBIT Next 3Y71.45%
EBIT Next 5Y58.9%
FCF growth 1Y-503.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-34%
OCF growth 3YN/A
OCF growth 5YN/A
PSI SOFTWARE SE / PSAN.DE FAQ
What is the ChartMill fundamental rating of PSI SOFTWARE SE (PSAN.DE) stock?
ChartMill assigns a fundamental rating of 4 / 10 to PSAN.DE.
What is the valuation status of PSI SOFTWARE SE (PSAN.DE) stock?
ChartMill assigns a valuation rating of 2 / 10 to PSI SOFTWARE SE (PSAN.DE). This can be considered as Overvalued.
Can you provide the profitability details for PSI SOFTWARE SE?
PSI SOFTWARE SE (PSAN.DE) has a profitability rating of 4 / 10.
How financially healthy is PSI SOFTWARE SE?
The financial health rating of PSI SOFTWARE SE (PSAN.DE) is 4 / 10.