PSI SOFTWARE SE (PSAN.DE) Stock Fundamental Analysis
FRA:PSAN - Deutsche Boerse Ag - DE000A0Z1JH9 - Common Stock - Currency: EUR
PSAN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 100 industry peers in the Software industry. The financial health of PSAN is average, but there are quite some concerns on its profitability. PSAN is valied quite expensively at the moment, while 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 negative operating cash flow in the past year.
Of the past 5 years PSAN 4 years were profitable.
Of the past 5 years PSAN 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of PSAN (-1.63%) is worse than 60.00% of its industry peers.
PSAN has a Return On Equity (-4.45%) which is in line with its industry peers.
PSAN's Return On Invested Capital of 0.75% is in line compared to the rest of the industry. PSAN outperforms 51.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.63% | ||
| ROE | -4.45% | ||
| ROIC | 0.75% |
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 has a Operating Margin (0.61%) which is in line with its industry peers.
PSAN's Gross Margin of 86.31% is amongst the best of the industry. PSAN outperforms 84.00% 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 | 0.61% | ||
| PM (TTM) | N/A | ||
| GM | 86.31% |
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.
PSAN has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, PSAN has a worse debt to assets ratio.
2.2 Solvency
PSAN has an Altman-Z score of 3.15. This indicates that PSAN is financially healthy and has little risk of bankruptcy at the moment.
PSAN has a Altman-Z score (3.15) which is comparable to the rest of the industry.
PSAN has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
PSAN has a better Debt to Equity ratio (0.23) than 62.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.15 |
ROIC/WACC0.1
WACC7.39%
2.3 Liquidity
A Current Ratio of 1.46 indicates that PSAN should not have too much problems paying its short term obligations.
PSAN's Current ratio of 1.46 is fine compared to the rest of the industry. PSAN outperforms 61.00% of its industry peers.
PSAN has a Quick Ratio of 1.44. 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 better Quick ratio (1.44) than 63.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.46 | ||
| Quick Ratio | 1.44 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 77.05% over the past year.
Looking at the last year, PSAN shows a small growth in Revenue. The Revenue has grown by 6.32% 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)77.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%102.96%
Revenue 1Y (TTM)6.32%
Revenue growth 3Y2.04%
Revenue growth 5Y2.98%
Sales Q2Q%35.08%
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 34.57% on average per year.
Based on estimates for the next years, PSAN will show a quite strong growth in Revenue. The Revenue will grow by 10.63% on average per year.
EPS Next Y185.52%
EPS Next 2Y82.72%
EPS Next 3Y50.73%
EPS Next 5Y34.57%
Revenue Next Year16.35%
Revenue Next 2Y13.29%
Revenue Next 3Y12.19%
Revenue Next 5Y10.63%
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.
Based on the Price/Forward Earnings ratio of 21.28, the valuation of PSAN can be described as rather expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PSAN indicates a somewhat cheap valuation: PSAN is cheaper than 72.00% of the companies listed in the same industry.
PSAN is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 21.90, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 21.28 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as PSAN.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 29.36 |
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.
PSAN's earnings are expected to grow with 50.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y82.72%
EPS Next 3Y50.73%
5. Dividend
5.1 Amount
PSAN has a Yearly Dividend Yield of 1.72%.
Compared to an average industry Dividend Yield of 2.13, PSAN pays a better dividend. On top of this PSAN pays more dividend than 90.00% of the companies listed in the same industry.
Compared to the average S&P500 Dividend Yield of 2.42, 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 2Y82.72%
EPS Next 3Y50.73%
FRA:PSAN (7/4/2025, 12:36:35 PM)
30
-0.3 (-0.99%)
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 Cap471.00M
Analysts81.67
Price Target36.41 (21.37%)
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)7.53%
PT rev (3m)18.6%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-1.49%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 21.28 | ||
| P/S | 1.69 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 4.9 | ||
| P/tB | 18.52 | ||
| EV/EBITDA | 29.36 |
EPS(TTM)-0.3
EYN/A
EPS(NY)1.41
Fwd EY4.7%
FCF(TTM)-2.06
FCFYN/A
OCF(TTM)-1.59
OCFYN/A
SpS17.74
BVpS6.12
TBVpS1.62
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.63% | ||
| ROE | -4.45% | ||
| ROCE | 1.07% | ||
| ROIC | 0.75% | ||
| ROICexc | 0.94% | ||
| ROICexgc | 2.15% | ||
| OM | 0.61% | ||
| PM (TTM) | N/A | ||
| GM | 86.31% | ||
| 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-Score4
Asset Turnover1.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 1.37 | ||
| Cap/Depr | 50.8% | ||
| Cap/Sales | 2.68% | ||
| Interest Coverage | 2.18 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.46 | ||
| Quick Ratio | 1.44 | ||
| Altman-Z | 3.15 |
F-Score4
WACC7.39%
ROIC/WACC0.1
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)77.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%102.96%
EPS Next Y185.52%
EPS Next 2Y82.72%
EPS Next 3Y50.73%
EPS Next 5Y34.57%
Revenue 1Y (TTM)6.32%
Revenue growth 3Y2.04%
Revenue growth 5Y2.98%
Sales Q2Q%35.08%
Revenue Next Year16.35%
Revenue Next 2Y13.29%
Revenue Next 3Y12.19%
Revenue Next 5Y10.63%
EBIT growth 1Y112.76%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year277.63%
EBIT Next 3Y72.13%
EBIT Next 5Y60%
FCF growth 1Y-2381.95%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-324.12%
OCF growth 3YN/A
OCF growth 5YN/A