PSI SOFTWARE SE (PSAN.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:PSAN • DE000A0Z1JH9
44.8 EUR
-0.2 (-0.44%)
Last: Feb 10, 2026, 09:37 AM
We assign a fundamental rating of 3 out of 10 to PSAN. PSAN was compared to 122 industry peers in the Software industry. PSAN may be in some trouble as it scores bad on both profitability and health. PSAN is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year PSAN has reported negative net income.
- 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 has a worse Return On Assets (-7.49%) than 76.23% of its industry peers.
- The Return On Equity of PSAN (-32.80%) is worse than 77.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -7.49% | ||
| ROE | -32.8% | ||
| ROIC | 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
1.3 Margins
- PSAN's Gross Margin of 87.24% is amongst the best of the industry. PSAN outperforms 81.15% of its industry peers.
- PSAN's Gross Margin has been stable in the last couple of years.
- PSAN does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 87.24% |
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 does not have a ROIC to compare to the WACC, probably because it is not profitable.
- 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
- PSAN has an Altman-Z score of 2.62. This is not the best score and indicates that PSAN is in the grey zone with still only limited risk for bankruptcy at the moment.
- PSAN's Altman-Z score of 2.62 is in line compared to the rest of the industry. PSAN outperforms 52.46% of its industry peers.
- PSAN has a debt to FCF ratio of 10.59. This is a negative value and a sign of low solvency as PSAN would need 10.59 years to pay back of all of its debts.
- The Debt to FCF ratio of PSAN (10.59) is comparable to the rest of the industry.
- PSAN has a Debt/Equity ratio of 0.84. This is a neutral value indicating PSAN is somewhat dependend on debt financing.
- PSAN has a Debt to Equity ratio of 0.84. This is in the lower half of the industry: PSAN underperforms 73.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.84 | ||
| Debt/FCF | 10.59 | ||
| Altman-Z | 2.62 |
ROIC/WACCN/A
WACC8.27%
2.3 Liquidity
- PSAN has a Current Ratio of 1.21. 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 Current ratio (1.21) which is in line with its industry peers.
- PSAN has a Quick Ratio of 1.18. 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 (1.18) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.21 | ||
| Quick Ratio | 1.18 |
3. Growth
3.1 Past
- The earnings per share for PSAN have decreased strongly by -31.53% in the last year.
- PSAN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.19%.
- The Revenue has been growing slightly by 2.98% on average over the past years.
EPS 1Y (TTM)-31.53%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1230.31%
Revenue 1Y (TTM)9.19%
Revenue growth 3Y2.04%
Revenue growth 5Y2.98%
Sales Q2Q%8.56%
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 11.25% on average over the next years. This is quite good.
EPS Next Y49.15%
EPS Next 2Y64.13%
EPS Next 3Y46.47%
EPS Next 5Y34.48%
Revenue Next Year16.95%
Revenue Next 2Y13.4%
Revenue Next 3Y12.26%
Revenue Next 5Y11.25%
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.
- With a Price/Forward Earnings ratio of 61.32, PSAN can be considered very expensive at the moment.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PSAN is on the same level as its industry peers.
- PSAN's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 61.32 |
4.2 Price Multiples
- PSAN's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 84.03 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- PSAN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- A more expensive valuation may be justified as PSAN's earnings are expected to grow with 46.47% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y64.13%
EPS Next 3Y46.47%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.72%, PSAN has a reasonable but not impressive dividend return.
- PSAN's Dividend Yield is rather good when compared to the industry average which is at 0.67. PSAN pays more dividend than 89.34% of the companies in the same industry.
- PSAN's Dividend Yield is comparable with the S&P500 average which is at 1.80.
| 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 2Y64.13%
EPS Next 3Y46.47%
FRA:PSAN (2/10/2026, 9:37:38 AM)
44.8
-0.2 (-0.44%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)10-30 2025-10-30
Earnings (Next)03-27 2026-03-27/amc
Inst Owners19.94%
Inst Owner ChangeN/A
Ins Owners31.18%
Ins Owner ChangeN/A
Market Cap703.36M
Revenue(TTM)287.01M
Net Income(TTM)-23.13M
Analysts75
Price Target44.88 (0.18%)
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)0%
PT rev (3m)6.54%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-294.44%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 61.32 | ||
| P/S | 2.45 | ||
| P/FCF | 84.03 | ||
| P/OCF | 41.19 | ||
| P/B | 9.98 | ||
| P/tB | 1690.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.48
EYN/A
EPS(NY)0.73
Fwd EY1.63%
FCF(TTM)0.53
FCFY1.19%
OCF(TTM)1.09
OCFY2.43%
SpS18.28
BVpS4.49
TBVpS0.03
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -7.49% | ||
| ROE | -32.8% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 87.24% | ||
| FCFM | 2.92% |
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-Score3
Asset Turnover0.93
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.84 | ||
| Debt/FCF | 10.59 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 57.95% | ||
| Cap/Sales | 3.03% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.21 | ||
| Quick Ratio | 1.18 | ||
| Altman-Z | 2.62 |
F-Score3
WACC8.27%
ROIC/WACCN/A
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)-31.53%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1230.31%
EPS Next Y49.15%
EPS Next 2Y64.13%
EPS Next 3Y46.47%
EPS Next 5Y34.48%
Revenue 1Y (TTM)9.19%
Revenue growth 3Y2.04%
Revenue growth 5Y2.98%
Sales Q2Q%8.56%
Revenue Next Year16.95%
Revenue Next 2Y13.4%
Revenue Next 3Y12.26%
Revenue Next 5Y11.25%
EBIT growth 1Y-45.62%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year182.87%
EBIT Next 3Y70.69%
EBIT Next 5Y58.56%
FCF growth 1Y308%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y369.02%
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 3 / 10 to PSAN.DE.
Can you provide the valuation status for PSI SOFTWARE SE?
ChartMill assigns a valuation rating of 2 / 10 to PSI SOFTWARE SE (PSAN.DE). This can be considered as Overvalued.
How profitable is PSI SOFTWARE SE (PSAN.DE) stock?
PSI SOFTWARE SE (PSAN.DE) has a profitability rating of 2 / 10.
What is the earnings growth outlook for PSI SOFTWARE SE?
The Earnings per Share (EPS) of PSI SOFTWARE SE (PSAN.DE) is expected to grow by 49.15% in the next year.