PSI SOFTWARE SE (PSAN.DE) Stock Fundamental Analysis
Europe - FRA:PSAN - DE000A0Z1JH9 - Common Stock
27.4 EUR
-0.1 (-0.36%)
Overall PSAN gets a fundamental rating of 4 out of 10. We evaluated PSAN against 103 industry peers in the Software industry. PSAN has only an average score on both its financial health and profitability. 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.
In the past year PSAN had a positive cash flow from operations.
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 has a Return On Assets (0.07%) which is comparable to the rest of the industry.
PSAN's Return On Equity of 0.18% is in line compared to the rest of the industry. PSAN outperforms 43.69% of its industry peers.
PSAN's Return On Invested Capital of 2.89% is in line compared to the rest of the industry. PSAN outperforms 52.43% 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
PSAN's Profit Margin of 0.06% is in line compared to the rest of the industry. PSAN outperforms 44.66% of its industry peers.
With a Operating Margin value of 2.23%, PSAN perfoms like the industry average, outperforming 49.51% of the companies in the same industry.
With an excellent Gross Margin value of 86.76%, PSAN belongs to the best of the industry, outperforming 83.50% of the companies in the same industry.
PSAN's Gross Margin has been stable in the last couple of years.
| 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
PSAN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
PSAN has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for PSAN has been reduced compared to 5 years ago.
The debt/assets ratio for PSAN is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.11 indicates that PSAN is not in any danger for bankruptcy at the moment.
With a Altman-Z score value of 3.11, PSAN perfoms like the industry average, outperforming 48.54% of the companies in the same industry.
A Debt/Equity ratio of 0.22 indicates that PSAN is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.22, PSAN is in the better half of the industry, outperforming 62.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.11 |
ROIC/WACC0.41
WACC7.12%
2.3 Liquidity
PSAN has a Current Ratio of 1.43. 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 Current ratio, with a value of 1.43, PSAN is in line with its industry, outperforming 58.25% 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 the better half of the industry, outperforming 62.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.43 | ||
| Quick Ratio | 1.4 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 99.36% over the past year.
Looking at the last year, PSAN shows a small growth in Revenue. The Revenue has grown by 7.04% in the last year.
Measured over the past years, PSAN shows a small growth in Revenue. The Revenue has been growing by 2.98% on average per year.
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
The Earnings Per Share is expected to grow by 34.48% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 11.10% on average over the next years. This is quite good.
EPS Next Y142.62%
EPS Next 2Y67.41%
EPS Next 3Y46.72%
EPS Next 5Y34.48%
Revenue Next Year16.32%
Revenue Next 2Y13.24%
Revenue Next 3Y12.16%
Revenue Next 5Y11.1%
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
PSAN reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 32.41 indicates a quite expensive valuation of PSAN.
PSAN's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.71. PSAN is valued slightly more expensive when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 32.41 |
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 | 21.1 |
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 46.72% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y67.41%
EPS Next 3Y46.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.72%, PSAN has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.08, PSAN pays a better dividend. On top of this PSAN pays more dividend than 88.35% of the companies listed in the same industry.
Compared to the average S&P500 Dividend Yield of 2.38, PSAN is paying slightly less dividend.
| 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 2Y67.41%
EPS Next 3Y46.72%
FRA:PSAN (9/16/2025, 7:00:00 PM)
27.4
-0.1 (-0.36%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners21.88%
Inst Owner ChangeN/A
Ins Owners31.18%
Ins Owner ChangeN/A
Market Cap430.18M
Analysts81.67
Price Target37.17 (35.66%)
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)1.5%
PT rev (3m)6.86%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-50.17%
EPS NY rev (3m)-50.17%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)-0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 32.41 | ||
| P/S | 1.53 | ||
| P/FCF | N/A | ||
| P/OCF | 78.6 | ||
| P/B | 4.62 | ||
| P/tB | 19.66 | ||
| EV/EBITDA | 21.1 |
EPS(TTM)-0.01
EYN/A
EPS(NY)0.85
Fwd EY3.09%
FCF(TTM)-0.24
FCFYN/A
OCF(TTM)0.35
OCFY1.27%
SpS17.93
BVpS5.93
TBVpS1.39
PEG (NY)N/A
PEG (5Y)N/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
ROICexcg growth 3YN/A
ROICexcg 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 | 3.11 |
F-Score7
WACC7.12%
ROIC/WACC0.41
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 Y142.62%
EPS Next 2Y67.41%
EPS Next 3Y46.72%
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 5Y11.1%
EBIT growth 1Y173.91%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year277.63%
EBIT Next 3Y72.13%
EBIT Next 5Y60.24%
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