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Profile Systems & Software A.E

ATSE:PROF
Snowflake Description

Excellent balance sheet with proven track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
PROF
ATSE
€31M
Market Cap
  1. Home
  2. GR
  3. Software
Company description

Profile Systems & Software A.E. develops and delivers software solutions primarily for the banking and investment management industry in Europe, the Middle East, America, Asia, and Africa. The last earnings update was 207 days ago. More info.


Add to Portfolio Compare Print
  • Profile Systems & Software A.E has significant price volatility in the past 3 months.
PROF Share Price and Events
7 Day Returns
1.5%
ATSE:PROF
6.4%
GR Software
1.8%
GR Market
1 Year Returns
29.9%
ATSE:PROF
-26%
GR Software
-20.5%
GR Market
PROF Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Profile Systems & Software A.E (PROF) 1.5% -19.9% -26.5% 29.9% 398.2% 621.1%
GR Software 6.4% -18.2% -22.6% -26% 36.2% 36.2%
GR Market 1.8% -18.6% -35% -20.5% -9.7% -67.7%
1 Year Return vs Industry and Market
  • PROF outperformed the Software industry which returned -26% over the past year.
  • PROF outperformed the Market in Greece which returned -20.5% over the past year.
Price Volatility
PROF
Industry
5yr Volatility vs Market

PROF Value

 Is Profile Systems & Software A.E undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Profile Systems & Software A.E to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Profile Systems & Software A.E.

ATSE:PROF Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model 2 Stage Free Cash Flow to Equity
Levered Free Cash Flow Average of 2 Analyst Estimates (S&P Global) See below
Discount Rate (Cost of Equity) See below 16.9%
Perpetual Growth Rate 10-Year GR Government Bond Rate 1.9%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for ATSE:PROF
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GR Govt Bond Rate 1.9%
Equity Risk Premium S&P Global 13.7%
Software Unlevered Beta Simply Wall St/ S&P Global 1.02
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 1.023 (1 + (1- 29%) (15.81%))
1.092
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.09
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.92% + (1.092 * 13.68%)
16.86%

Discounted Cash Flow Calculation for ATSE:PROF using 2 Stage Free Cash Flow to Equity Model

The calculations below outline how an intrinsic value for Profile Systems & Software A.E is arrived at by discounting future cash flows to their present value using the 2 stage method. We try to start with analysts estimates of free cash flow, however if these are not available we use the most recent financial results. In the 1st stage we continue to grow the free cash flow over a 10 year period, with the growth rate trending towards the perpetual growth rate used in the 2nd stage. The 2nd stage assumes the company grows at a stable rate into perpetuity.

Note: Free cash flow to equity valuations ignore the company's cash or debt.

ATSE:PROF DCF 1st Stage: Next 10 year cash flow forecast
Levered FCF (EUR, Millions) Source Present Value
Discounted (@ 16.86%)
2020 2.90 Analyst x1 2.48
2021 3.90 Analyst x1 2.86
2022 4.90 Analyst x1 3.07
2023 5.20 Analyst x1 2.79
2024 5.50 Analyst x1 2.52
2025 5.73 Est @ 4.18% 2.25
2026 5.93 Est @ 3.5% 1.99
2027 6.11 Est @ 3.03% 1.76
2028 6.27 Est @ 2.7% 1.54
2029 6.43 Est @ 2.46% 1.35
Present value of next 10 years cash flows €22.00
ATSE:PROF DCF 2nd Stage: Terminal Value
Calculation Result
Terminal Value = FCF2029 × (1 + g) ÷ (Discount Rate – g)
= €6.43 × (1 + 1.92%) ÷ (16.86% – 1.92%)
€43.85
Present Value of Terminal Value = Terminal Value ÷ (1 + r)10
= €43.85 ÷ (1 + 16.86%)10
€9.23
ATSE:PROF Total Equity Value
Calculation Result
Total Equity Value = Present value of next 10 years cash flows + Terminal Value
= €22.00 + €9.23
€31.23
Equity Value per Share
(EUR)
= Total value / Shares Outstanding
= €31.23 / 11.20
€2.79
ATSE:PROF Discount to Share Price
Calculation Result
Value per share (EUR) From above. €2.79
Current discount Discount to share price of €2.74
= -1 x (€2.74 - €2.79) / €2.79
1.8%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Profile Systems & Software A.E is available for.
Intrinsic value
2%
Share price is €2.74 vs Future cash flow value of €2.79
Current Discount Checks
For Profile Systems & Software A.E to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Profile Systems & Software A.E's share price is below the future cash flow value, but not at a moderate discount (< 20%).
  • Profile Systems & Software A.E's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Profile Systems & Software A.E's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Profile Systems & Software A.E's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
ATSE:PROF PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in EUR €0.16
ATSE:PROF Share Price ** ATSE (2020-03-31) in EUR €2.74
Greece Software Industry PE Ratio Median Figure of 5 Publicly-Listed Software Companies 17.77x
Greece Market PE Ratio Median Figure of 94 Publicly-Listed Companies 11.94x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Profile Systems & Software A.E.

ATSE:PROF PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= ATSE:PROF Share Price ÷ EPS (both in EUR)

= 2.74 ÷ 0.16

17.45x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Profile Systems & Software A.E is good value based on earnings compared to the GR Software industry average.
  • Profile Systems & Software A.E is overvalued based on earnings compared to the Greece market.
Price based on expected Growth
Does Profile Systems & Software A.E's expected growth come at a high price?
Raw Data
ATSE:PROF PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 17.45x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts
16.3%per year
Europe Software Industry PEG Ratio Median Figure of 76 Publicly-Listed Software Companies 1.74x
Greece Market PEG Ratio Median Figure of 24 Publicly-Listed Companies 0.55x

*Line of best fit is calculated by linear regression .

ATSE:PROF PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 17.45x ÷ 16.3%

1.07x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Profile Systems & Software A.E is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Profile Systems & Software A.E's assets?
Raw Data
ATSE:PROF PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in EUR €1.66
ATSE:PROF Share Price * ATSE (2020-03-31) in EUR €2.74
Greece Software Industry PB Ratio Median Figure of 6 Publicly-Listed Software Companies 1.03x
Greece Market PB Ratio Median Figure of 134 Publicly-Listed Companies 0.73x
ATSE:PROF PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= ATSE:PROF Share Price ÷ Book Value per Share (both in EUR)

= 2.74 ÷ 1.66

1.65x

* Primary Listing of Profile Systems & Software A.E.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Profile Systems & Software A.E is overvalued based on assets compared to the GR Software industry average.
X
Value checks
We assess Profile Systems & Software A.E's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Software industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Software industry average (and greater than 0)? (1 check)
  5. Profile Systems & Software A.E has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

PROF Future Performance

 How is Profile Systems & Software A.E expected to perform in the next 1 to 3 years based on estimates from 2 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
16.3%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Profile Systems & Software A.E expected to grow at an attractive rate?
  • Profile Systems & Software A.E's earnings growth is expected to exceed the low risk savings rate of 1.9%.
Growth vs Market Checks
  • Profile Systems & Software A.E's earnings growth is positive but not above the Greece market average.
  • Profile Systems & Software A.E's revenue growth is expected to exceed the Greece market average.
Annual Growth Rates Comparison
Raw Data
ATSE:PROF Future Growth Rates Data Sources
Data Point Source Value (per year)
ATSE:PROF Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts 16.3%
ATSE:PROF Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 2 Analysts 7.1%
Europe Software Industry Earnings Growth Rate Market Cap Weighted Average 19.8%
Europe Software Industry Revenue Growth Rate Market Cap Weighted Average 8.3%
Greece Market Earnings Growth Rate Market Cap Weighted Average 16.5%
Greece Market Revenue Growth Rate Market Cap Weighted Average 4.7%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
ATSE:PROF Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
ATSE:PROF Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2024-12-31 24 1
2023-12-31 22 1
2022-12-31 21 1
2021-12-31 19 4 3 1
2020-12-31 21 3 2 2
2019-12-31 16 2 2 2
ATSE:PROF Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2019-06-30 15 4 2
2019-03-31 14 3 2
2018-12-31 14 3 1
2018-09-30 14 2 1
2018-06-30 13 1 1
2018-03-31 12 1 1
2017-12-31 12 1 1
2017-09-30 11 0 1
2017-06-30 9 -1 0
2017-03-31 9 0 1
2016-12-31 9 1 1
2016-09-30 10 3 1

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Profile Systems & Software A.E's earnings are expected to grow by 16.3% yearly, however this is not considered high growth (20% yearly).
  • Profile Systems & Software A.E's revenue is expected to grow by 7.1% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
ATSE:PROF Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below

All data from Profile Systems & Software A.E Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

ATSE:PROF Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2024-12-31
2023-12-31
2022-12-31
2021-12-31 0.22 0.22 0.22 1.00
2020-12-31 0.19 0.19 0.19 1.00
2019-12-31 0.15 0.15 0.15 1.00
ATSE:PROF Past Financials Data
Date (Data in EUR Millions) EPS *
2019-06-30 0.16
2019-03-31 0.13
2018-12-31 0.11
2018-09-30 0.11
2018-06-30 0.11
2018-03-31 0.10
2017-12-31 0.09
2017-09-30 0.06
2017-06-30 0.04
2017-03-31 0.04
2016-12-31 0.05
2016-09-30 0.07

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Profile Systems & Software A.E is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Profile Systems & Software A.E's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Profile Systems & Software A.E has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

PROF Past Performance

  How has Profile Systems & Software A.E performed over the past 5 years?

  • Profile Systems & Software A.E's last earnings update was 207 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Profile Systems & Software A.E's growth in the last year to its industry (Software).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Profile Systems & Software A.E's year on year earnings growth rate has been positive over the past 5 years.
  • Profile Systems & Software A.E's 1-year earnings growth exceeds its 5-year average (34% vs 12.1%)
  • Profile Systems & Software A.E's earnings growth has not exceeded the GR Software industry average in the past year (34% vs 34%).
Earnings and Revenue History
Profile Systems & Software A.E's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Profile Systems & Software A.E Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

ATSE:PROF Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 15.09 1.79 4.11 1.29
2019-03-31 14.46 1.53 3.97 1.25
2018-12-31 13.83 1.26 3.83 1.21
2018-09-30 13.60 1.30 3.82 1.19
2018-06-30 13.36 1.34 3.80 1.18
2018-03-31 12.46 1.18 3.52 1.04
2017-12-31 11.56 1.02 3.23 0.90
2017-09-30 10.50 0.75 3.30 0.80
2017-06-30 9.45 0.47 3.37 0.69
2017-03-31 9.37 0.52 3.32 0.69
2016-12-31 9.29 0.56 3.27 0.69
2016-09-30 10.33 0.82 3.32 0.67
2016-06-30 9.72 0.65 3.04 0.71
2016-03-31 9.51 0.60 3.00 0.71
2015-12-31 9.41 0.92 3.01 0.68
2015-09-30 9.01 0.89 2.81 0.74
2015-06-30 9.25 1.14 2.76 0.73
2015-03-31 9.67 1.20 2.87 0.71
2014-12-31 9.66 0.88 2.82 0.71
2014-09-30 9.76 0.87 2.69 0.66
2014-06-30 9.66 0.76 2.65 0.62
2014-03-31 9.37 0.68 2.64 0.62
2013-12-31 9.31 0.65 2.72 0.63
2013-09-30 10.16 0.69 3.35 0.71
2013-06-30 10.14 0.64 3.30 0.67

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Profile Systems & Software A.E has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Profile Systems & Software A.E used its assets more efficiently than the GR Software industry average last year based on Return on Assets.
  • Profile Systems & Software A.E has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Profile Systems & Software A.E's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Software industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Profile Systems & Software A.E has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

PROF Health

 How is Profile Systems & Software A.E's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Profile Systems & Software A.E's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Profile Systems & Software A.E is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Profile Systems & Software A.E's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Profile Systems & Software A.E's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 5.4x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Profile Systems & Software A.E Company Filings, last reported 9 months ago.

ATSE:PROF Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 18.55 4.39 13.90
2019-03-31 18.55 4.39 13.90
2018-12-31 18.58 4.62 13.74
2018-09-30 18.58 4.62 13.74
2018-06-30 17.91 4.92 12.67
2018-03-31 17.91 4.92 12.67
2017-12-31 18.15 5.22 13.09
2017-09-30 18.15 5.22 13.09
2017-06-30 17.37 5.10 13.10
2017-03-31 17.37 5.10 13.10
2016-12-31 17.27 6.11 13.41
2016-09-30 17.27 6.11 13.41
2016-06-30 16.91 4.82 9.73
2016-03-31 16.91 4.82 9.73
2015-12-31 16.69 5.00 10.40
2015-09-30 16.21 3.08 7.36
2015-06-30 16.25 3.15 7.81
2015-03-31 16.19 3.23 7.93
2014-12-31 15.72 3.30 6.42
2014-09-30 15.58 3.40 5.96
2014-06-30 15.35 2.98 5.97
2014-03-31 15.19 3.07 6.24
2013-12-31 15.07 3.19 5.32
2013-09-30 14.72 3.27 4.65
2013-06-30 14.60 3.68 5.56
  • Profile Systems & Software A.E's level of debt (23.7%) compared to net worth is satisfactory (less than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (19.5% vs 23.7% today).
  • Debt is well covered by operating cash flow (82.5%, greater than 20% of total debt).
  • Interest payments on debt are well covered by earnings (EBIT is 1277.9x coverage).
X
Financial health checks
We assess Profile Systems & Software A.E's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Profile Systems & Software A.E has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

PROF Dividends

 What is Profile Systems & Software A.E's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Profile Systems & Software A.E dividends. Estimated to be 2.74% next year.
If you bought €2,000 of Profile Systems & Software A.E shares you are expected to receive €0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Profile Systems & Software A.E's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Profile Systems & Software A.E's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
ATSE:PROF Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
Europe Software Industry Average Dividend Yield Market Cap Weighted Average of 77 Stocks 1.4%
Greece Market Average Dividend Yield Market Cap Weighted Average of 50 Stocks 5%
Greece Minimum Threshold Dividend Yield 10th Percentile 1.7%
Greece Bottom 25% Dividend Yield 25th Percentile 3%
Greece Top 25% Dividend Yield 75th Percentile 5.3%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

ATSE:PROF Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts
2024-12-31
2023-12-31
2022-12-31
2021-12-31 0.08 1.00
2020-12-31 0.07 1.00
2019-12-31 0.05 1.00
ATSE:PROF Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2010-11-29 0.000 0.000
2010-05-19 0.000 0.000
2010-03-01 0.000 0.000
2009-07-30 0.011 1.267

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Profile Systems & Software A.E has not reported any payouts.
  • Unable to verify if Profile Systems & Software A.E's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Profile Systems & Software A.E's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Profile Systems & Software A.E has not reported any payouts.
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (2.7x coverage).
X
Income/ dividend checks
We assess Profile Systems & Software A.E's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.7%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Profile Systems & Software A.E afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Profile Systems & Software A.E has a total score of 1/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

PROF Management

 What is the CEO of Profile Systems & Software A.E's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Babis Stasinopoulos
AGE 57
CEO Bio

Mr. Babis P. Stasinopoulos serves as the Chairman and Chief Executive Officer of Profile Systems & Software A.E. Mr. Stasinopoulos has extensive experience in the IT sector and has been working in this field, since 1985. He founded PROFILE in 1990. He studied computing at ELKEPA and Business Administration at EEDE.

CEO Compensation
  • Insufficient data for Babis to compare compensation growth.
  • Insufficient data for Babis to establish whether their remuneration is reasonable compared to companies of similar size in .
Management Team

Babis Stasinopoulos

TITLE
Chairman & Chief Executive Officer
AGE
57

Angelides Evangelos

TITLE
CFO, COO & Director
AGE
48

Zafeirios Santoukas

TITLE
First Class Accountant

Spyros Barbatos

TITLE
VP & Executive Director
AGE
61

Catherine Filippi

TITLE
Executive Director
AGE
65

Kostas Mantzavinatos

TITLE
GM & Executive Director
AGE
58
Board of Directors

Babis Stasinopoulos

TITLE
Chairman & Chief Executive Officer
AGE
57

Angelides Evangelos

TITLE
CFO, COO & Director
AGE
48
TENURE
0.4 yrs

Spyros Barbatos

TITLE
VP & Executive Director
AGE
61

Catherine Filippi

TITLE
Executive Director
AGE
65

Kostas Mantzavinatos

TITLE
GM & Executive Director
AGE
58

Aris Iliopoulos

TITLE
Non-Executive Director
AGE
41

Emmanuel Tsiritakis

TITLE
Non-Executive Independent Director
AGE
63

Antonios Roussos

TITLE
Non-Executive Independent Director
AGE
56
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Profile Systems & Software A.E's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Profile Systems & Software A.E has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

PROF News

Simply Wall St News

Here’s What Profile Systems & Software A.E.’s (ATH:PROF) Return On Capital Can Tell Us

Analysts use this formula to calculate return on capital employed: Return on Capital Employed = Earnings Before Interest and Tax (EBIT) ÷ (Total Assets - Current Liabilities) Or for Profile Systems &amp; Software A.E: 0.082 = €2.0m ÷ (€36m - €12m) (Based on the trailing twelve months to December 2018.) Therefore, Profile Systems &amp; Software A.E has an ROCE of 8.2%. … Do Profile Systems &amp; Software A.E's Current Liabilities Skew Its ROCE? … Profile Systems &amp; Software A.E's middling level of current liabilities have the effect of boosting its ROCE a bit.

Simply Wall St -

Is Profile Systems & Software A.E.'s (ATH:PROF) 6.8% ROE Better Than Average?

Check out our latest analysis for Profile Systems &amp; Software A.E How Do You Calculate Return On Equity? … The formula for return on equity is: Return on Equity = Net Profit ÷ Shareholders' Equity Or for Profile Systems &amp; Software A.E: 6.8% = €1.3m ÷ €19m (Based on the trailing twelve months to December 2018.) It's easy to understand the 'net profit' part of that equation, but 'shareholders' equity' requires further explanation. … Does Profile Systems &amp; Software A.E Have A Good Return On Equity?

Simply Wall St -

Is Now An Opportune Moment To Examine Profile Systems & Software A.E. (ATH:PROF)?

Check out our latest analysis for Profile Systems &amp; Software A.E Is Profile Systems &amp; Software A.E still cheap? … I find that Profile Systems &amp; Software A.E’s ratio of 34.01x is trading in-line with its industry peers’ ratio, which means if you buy Profile Systems &amp; Software A.E today, you’d be paying a relatively reasonable price for it. … Furthermore, Profile Systems &amp; Software A.E’s share price also seems relatively stable compared to the rest of the market, as indicated by its low beta.

Simply Wall St -

How Does Profile Systems & Software A.E. (ATH:PROF) Affect Your Portfolio Volatility?

This is reasonably close to the market beta of 1, so the stock has in the past displayed similar levels of volatility to the overall market. … If the future looks like the past, we could therefore consider it likely that the stock price will experience share price volatility that is roughly similar to the overall market. … What this means for you: Profile Systems &amp; Software A.E has a beta value quite close to that of the overall market.

Simply Wall St -

Why Profile Systems & Software A.E.'s (ATH:PROF) High P/E Ratio Isn't Necessarily A Bad Thing

We'll look at Profile Systems &amp; Software A.E.'s (ATH:PROF) P/E ratio and reflect on what it tells us about the company's share price. … The formula for P/E is: Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS) Or for Profile Systems &amp; Software A.E: P/E of 32.81 = €3.58 ÷ €0.11 (Based on the trailing twelve months to December 2018.) Is A High Price-to-Earnings Ratio Good? … How Does Profile Systems &amp; Software A.E's P/E Ratio Compare To Its Peers?

Simply Wall St -

What Should Investors Know About Profile Systems & Software A.E.'s (ATH:PROF) Future?

Based on Profile Systems &amp; Software A.E.'s (ATH:PROF) earnings update in December 2018, it seems that analyst forecasts are fairly optimistic, with earnings expected to grow by 43% in the upcoming year against the past 5-year average growth rate of 7.6%. … Below is a brief commentary around Profile Systems &amp; Software A.E's earnings outlook going forward, which may give you a sense of market sentiment for the company. … Check out our latest analysis for Profile Systems &amp; Software A.E How will Profile Systems &amp; Software A.E perform in the near future?

Simply Wall St -

Brief Commentary On Profile Systems & Software A.E.'s (ATH:PROF) Fundamentals

Solid track record with excellent balance sheet In the previous year, PROF has ramped up its bottom line by 24%, with its latest earnings level surpassing its average level over the last five years. … Not only did PROF outperformed its past performance, its growth also surpassed the Software industry expansion, which generated a 17% earnings growth. … ATSE:PROF Historical Debt, June 19th 2019 Next Steps: For Profile Systems &amp; Software A.E, I've compiled three relevant aspects you should further examine: Valuation: What is PROF worth today?

Simply Wall St -

Announcing: Profile Systems & Software A.E (ATH:PROF) Stock Soared An Exciting 658% In The Last Three Years

During three years of share price growth, Profile Systems &amp; Software A.E achieved compound earnings per share growth of 12% per year. … We've already covered Profile Systems &amp; Software A.E's share price action, but we should also mention its total shareholder return (TSR). … We note that Profile Systems &amp; Software A.E's TSR, at 680% is higher than its share price return of 658%.

Simply Wall St -

Don’t Buy Profile Systems & Software A.E. (ATH:PROF) Until You Understand Its ROCE

The formula for calculating the return on capital employed is: Return on Capital Employed = Earnings Before Interest and Tax (EBIT) ÷ (Total Assets - Current Liabilities) Or for Profile Systems &amp; Software A.E: 0.082 = €2.0m ÷ (€36m - €12m) (Based on the trailing twelve months to December 2018.) So, Profile Systems &amp; Software A.E has an ROCE of 8.2%. … How Profile Systems &amp; Software A.E's Current Liabilities Impact Its ROCE Liabilities, such as supplier bills and bank overdrafts, are referred to as current liabilities if they need to be paid within 12 months. … Profile Systems &amp; Software A.E's middling level of current liabilities have the effect of boosting its ROCE a bit.

Simply Wall St -

With A Return On Equity Of 6.8%, Has Profile Systems & Software A.E.'s (ATH:PROF) Management Done Well?

Our data shows Profile Systems & Software A.E has a return on equity of 6.8% for the last year. … That means that for every €1 worth of shareholders' equity, it generated €0.068 in profit. … Return on Equity = Net Profit ÷ Shareholders' Equity

Simply Wall St -

PROF Company Info

Description

Profile Systems & Software A.E. develops and delivers software solutions primarily for the banking and investment management industry in Europe, the Middle East, America, Asia, and Africa. Its products include Axia, a Web-based omni-channel and MiFID II enabled investment management solution; IMSplus, an investment management platform that incorporates a set of solutions targeted to banking and investment management firms; and FMS.next, an integrated banking platform for financial institutions, such as universal banks, private banks, Islamic banks, and auto and leasing institutions, as well as peer-to-peer lending/crowdfunding platforms, alternative banking/finance organizations, and digital banks. The company also offers FMS.next Payments, a payments solution that facilitates domestic and international fund transfers, and automates and monitors the full cycle of payments; RiskAvert, a risk management solution that assists financial institutions to gather and reconcile data, as well as calculate, aggregate, and report regulatory credit, market, operational, and concentration risk; and Acumen-net, a front-to-back-to-risk office treasury and capital markets platform that supports various financial market transactions. In addition, it offers Mobius Wealth, a mobile wealth management application that integrates with back-end system and uses data from existing systems, as well as compiles them into a single presentation. Further, the company provides GS Market suite, a real-time data feed monitoring application for the stock exchange market; GS Trader, a tool for traders in investment firms, brokerage firms, banks, and private investors; Plexus, an application that provides feeds from various exchanges real-time or delayed, FX, and news; and Registry, a system for monitoring and management of shareholders registry. Additionally, it offers implementation and post implementation services. Profile Systems & Software A.E. was founded in 1990 and is based in Athens, Greece.

Details
Name: Profile Systems & Software A.E.
PROF
Exchange: ATSE
Founded: 1990
€30,679,837
11,197,021
Website: http://www.profilesw.com
Address: Profile Systems & Software A.E.
199, Syngrou Avenue,
Athens,
171 21,
Greece
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
ATSE PROF Ordinary Shares The Athens Stock Exchange GR EUR 29. Oct 2003
LSE 0N1C Ordinary Shares London Stock Exchange GB EUR 29. Oct 2003
Number of employees
Current staff
Staff numbers
0
Profile Systems & Software A.E employees.
Industry
Application Software
Software
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/03/31 21:33
End of day share price update: 2020/03/31 00:00
Last estimates confirmation: 2020/02/27
Last earnings filing: 2019/09/06
Last earnings reported: 2019/06/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.