PSI SOFTWARE SE (PSAN.DE) Stock Fundamental Analysis
Europe - FRA:PSAN - DE000A0Z1JH9 - Common Stock
45 EUR
-0.1 (-0.22%)
Taking everything into account, PSAN scores 4 out of 10 in our fundamental rating. PSAN was compared to 111 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.
PSAN had a positive operating cash flow in the past year.
PSAN had positive earnings in 4 of the past 5 years.
Of the past 5 years PSAN 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.07%, PSAN perfoms like the industry average, outperforming 42.34% of the companies in the same industry.
With a Return On Equity value of 0.18%, PSAN perfoms like the industry average, outperforming 42.34% of the companies in the same industry.
PSAN has a Return On Invested Capital (2.89%) which is in line with 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
Looking at the Profit Margin, with a value of 0.06%, PSAN is in line with its industry, outperforming 44.14% of the companies in the same industry.
PSAN has a Operating Margin (2.23%) which is comparable to the rest of the industry.
PSAN has a better Gross Margin (86.76%) than 81.98% of its industry peers.
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.
The number of shares outstanding for PSAN remains at a similar level compared to 1 year ago.
Compared to 5 years ago, PSAN has less shares outstanding
PSAN has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 4.14 indicates that PSAN is not in any danger for bankruptcy at the moment.
PSAN has a better Altman-Z score (4.14) than 61.26% of its industry peers.
PSAN has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
PSAN's Debt to Equity ratio of 0.22 is fine compared to the rest of the industry. PSAN outperforms 60.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.14 |
ROIC/WACC0.4
WACC7.31%
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.
The Current ratio of PSAN (1.43) is comparable to the rest of the 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.
PSAN has a Quick ratio (1.40) which is comparable to the rest of the 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.
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
The Earnings Per Share is expected to grow by 34.48% on average over the next years. This is a very strong growth
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
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
PSAN reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
PSAN is valuated quite expensively with a Price/Forward Earnings ratio of 53.74.
PSAN's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of PSAN to the average of the S&P500 Index (33.72), we can say PSAN is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 53.74 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PSAN is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 34.33 |
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
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 2.24, PSAN pays a better dividend. On top of this PSAN pays more dividend than 88.29% of the companies listed in the same industry.
PSAN's Dividend Yield is slightly below the S&P500 average, which is at 2.36.
| 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 (11/12/2025, 5:29:30 PM)
45
-0.1 (-0.22%)
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 Cap706.50M
Revenue(TTM)281.44M
Net Income(TTM)167.00K
Analysts81.67
Price Target42.13 (-6.38%)
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 | 53.74 | ||
| P/S | 2.51 | ||
| P/FCF | N/A | ||
| P/OCF | 129.09 | ||
| P/B | 7.59 | ||
| P/tB | 32.29 | ||
| EV/EBITDA | 34.33 |
EPS(TTM)-0.01
EYN/A
EPS(NY)0.84
Fwd EY1.86%
FCF(TTM)-0.24
FCFYN/A
OCF(TTM)0.35
OCFY0.77%
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 | 4.14 |
F-Score7
WACC7.31%
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.