(GFT) GFT Technologies SE - Overview
Sector: Technology | Industry: Information Technology Services | Exchange: XETRA (Germany) | Market Cap: 533m EUR | Total Return: -6.9% in 12m
Industry Rotation: -1.9
Avg Turnover: 1.29M
EPS Trend: -77.6%
Qual. Beats: 1
Rev. Trend: 95.2%
Qual. Beats: 0
Warnings
Fakeout
Tailwinds
No distinct edge detected
GFT Technologies SE is a German-based IT services provider specializing in digital transformation and software engineering for the financial, insurance, and industrial sectors. The company operates through two primary geographic segments covering the Americas, UK, APAC, and Continental Europe. Its proprietary product portfolio includes GenAI-powered delivery tools, regulatory compliance software, and project management platforms.
The business model relies on high-touch consulting and implementation services, which typically generate recurring revenue through long-term infrastructure and application management contracts. As a player in the Data Processing & Outsourced Services sub-industry, GFT benefits from the structural shift toward cloud-native architectures and the integration of artificial intelligence into legacy banking systems.
Investors may find more detailed fundamental analysis on ValueRay to further evaluate the companys market position. Founded in 1987, the firm maintains its headquarters in Stuttgart and continues to focus on platform modernization for global enterprise clients.
- Expansion of GenAI software delivery platforms drives high-margin consulting revenue growth
- Financial services digital transformation demand fluctuates with global interest rate shifts
- Geographic diversification in Americas and APAC reduces reliance on European banking
- Wage inflation for specialized software engineers pressures overall operating margins
- Strategic cloud partnerships with AWS and Google Cloud accelerate enterprise platform migrations
| Net Income: 34.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA -1.42 > 1.0 |
| NWC/Revenue: 3.73% < 20% (prev 6.82%; Δ -3.08% < -1%) |
| CFO/TA 0.08 > 3% & CFO 52.0m > Net Income 34.4m |
| Net Debt (53.7m) to EBITDA (71.9m): 0.75 < 3 |
| Current Ratio: 1.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (25.6m) vs 12m ago -2.65% < -2% |
| Gross Margin: 12.22% > 18% (prev 0.14%; Δ 1.21k% > 0.5%) |
| Asset Turnover: 144.3% > 50% (prev 140.6%; Δ 3.74% > 0%) |
| Interest Coverage Ratio: 9.06 > 6 (EBITDA TTM 71.9m / Interest Expense TTM 5.79m) |
| A: 0.05 (Total Current Assets 279.7m - Total Current Liabilities 246.3m) / Total Assets 615.4m |
| B: 0.38 (Retained Earnings 235.5m / Total Assets 615.4m) |
| C: 0.08 (EBIT TTM 52.5m / Avg Total Assets 620.9m) |
| D: 0.74 (Book Value of Equity 250.3m / Total Liabilities 337.9m) |
| Altman-Z'' Score: 2.95 = A |
| DSRI: 1.12 (Receivables 212.4m/187.2m, Revenue 895.9m/880.4m) |
| GMI: 1.13 (GM 12.22% / 13.77%) |
| AQI: 1.05 (AQ_t 0.46 / AQ_t-1 0.44) |
| SGI: 1.02 (Revenue 895.9m / 880.4m) |
| TATA: -0.03 (NI 34.4m - CFO 52.0m) / TA 615.4m) |
| Beneish M-Score: -2.80 (Cap -4..+1) = A |
Over the past week, the price has changed by +9.49%, over one month by +14.33%, over three months by +47.02% and over the past year by -6.87%.
| Analysts Target Price | - | - |
P/E Trailing = 15.5597
P/E Forward = 12.5786
P/S = 0.5952
P/B = 1.9074
P/EG = 1.04
Revenue TTM = 895.9m EUR
EBIT TTM = 52.5m EUR
EBITDA TTM = 71.9m EUR
Long Term Debt = 50.0m EUR (from longTermDebt, last fiscal year)
Short Term Debt = 44.6m EUR (from shortTermDebt, last quarter)
Debt = 94.6m EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 53.7m EUR (from netDebt column, last quarter)
Enterprise Value = 586.8m EUR (533.0m + Debt 94.6m - CCE 40.8m)
Interest Coverage Ratio = 9.06 (Ebit TTM 52.5m / Interest Expense TTM 5.79m)
EV/FCF = 12.34x (Enterprise Value 586.8m / FCF TTM 47.6m)
FCF Yield = 8.11% (FCF TTM 47.6m / Enterprise Value 586.8m)
FCF Margin = 5.31% (FCF TTM 47.6m / Revenue TTM 895.9m)
Net Margin = 3.84% (Net Income TTM 34.4m / Revenue TTM 895.9m)
Gross Margin = 12.22% ((Revenue TTM 895.9m - Cost of Revenue TTM 786.4m) / Revenue TTM)
Gross Margin QoQ = 12.36% (prev 7.79%)
Tobins Q-Ratio = 0.95 (Enterprise Value 586.8m / Total Assets 615.4m)
Interest Expense / Debt = 1.24% (Interest Expense 1.17m / Debt 94.6m)
Taxrate = 28.52% (3.43m / 12.0m)
NOPAT = 37.5m (EBIT 52.5m * (1 - 28.52%))
Current Ratio = 1.14 (Total Current Assets 279.7m / Total Current Liabilities 246.3m)
Debt / Equity = 0.34 (Debt 94.6m / totalStockholderEquity, last quarter 277.4m)
Debt / EBITDA = 0.75 (Net Debt 53.7m / EBITDA 71.9m)
Debt / FCF = 1.13 (Net Debt 53.7m / FCF TTM 47.6m)
Total Stockholder Equity = 261.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 5.54% (Net Income 34.4m / Total Assets 615.4m)
RoE = 13.18% (Net Income TTM 34.4m / Total Stockholder Equity 261.0m)
RoCE = 16.89% (EBIT 52.5m / Capital Employed (Equity 261.0m + L.T.Debt 50.0m))
RoIC = 14.42% (NOPAT 37.5m / Invested Capital 260.3m)
WACC = 6.24% (E(533.0m)/V(627.6m) * Re(7.19%) + D(94.6m)/V(627.6m) * Rd(1.24%) * (1-Tc(0.29)))
Discount Rate = 7.19% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares (quarterly) Correlation: -73.07 | Cagr: -1.30%
[DCF] Terminal Value 85.87% ; FCFF base≈51.5m ; Y1≈54.2m ; Y5≈63.7m
[DCF] Fair Price = 66.04 (EV 1.74b - Net Debt 53.7m = Equity 1.69b / Shares 25.6m; r=6.24% [WACC]; 5y FCF grow 5.74% → 3.0% )
EPS Correlation: -77.59 | EPS CAGR: -11.44% | SUE: 4.0 | # QB: 1
Revenue Correlation: 95.21 | Revenue CAGR: 6.02% | SUE: -0.00 | # QB: 0
EPS current Year (2026-12-31): EPS=1.75 | Chg30d=-1.69% | Revisions=+20% | GrowthEPS=-1.0% | GrowthRev=+4.9%
EPS next Year (2027-12-31): EPS=2.01 | Chg30d=-0.89% | Revisions=+20% | GrowthEPS=+14.9% | GrowthRev=+6.2%
[Analyst] Revisions Ratio: +20%