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Profile Systems & Software S.A. (PROF.AT)

EUR8.95 +0.03 (+0.34%)
GR ATH Technology Software - Infrastructure
Address 199, Syngrou Avenue 171 21
Athens, GR
CEO Evangelos Ioannis Angelides
IPO 2003-10-29
ISIN GRS472003011

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Description

Established in 1990 and based in Athens, Greece, Profile Systems & Software S.A. delivers advanced software solutions tailored for the global banking and investment management industries. Their services extend across Europe, the Middle East, the Americas, Asia, and Africa. The company's product portfolio includes Axia, a web-based, omni-channel investment management solution adhering to MiFID II standards, and IMSplus, a comprehensive investment management platform for banking and financial institutions. For core banking needs, they offer the Finuevo Suite, supporting conventional, digital banks, Electronic Money Institutions (EMIs), and Microfinance Institutions (MFIs), alongside Finuevo Digital, a dedicated digital banking platform. Their robust FMS.next platform serves a wide array of financial organizations, from universal, private, and Islamic banks to auto/leasing companies, marketplace lenders, alternative finance providers, and digital banks. Complementing these, FMS.next Payments provides a complete solution for domestic and international payment processing. For risk management, RiskAvert helps institutions gather, reconcile, calculate, aggregate, and report on various regulatory risks including credit, market, operational, and concentration risk. Acumen-net is a front-to-back-to-risk platform designed for diverse financial market transactions. Profile Systems & Software also offers specialized applications such as Mobius Wealth, a mobile wealth management tool that integrates with existing systems; the GS Market suite for stock exchange market data; GS Trader for professional and private investors; Plexus for real-time market data; Registry for shareholder record management; and Profile Vote, an online voting system. Furthermore, the company provides crucial implementation and ongoing post-implementation support services.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR8.95 +0.03 (+0.34%)
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Volume Profile
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Liquidity & share structure
Average Volume
61.1K
Beta
0.43
Float Shares
13.45M
Free Float %
54.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.07% +2.57% +0.66% +5.86% +5.56% -5.48% +23.62% +94.62% +62.88% +3,326.64% +548.72%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
8.95
DCF (Unlevered) 12.14 +35.6%
DCF (Levered) 26.17 +192.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-04 Change
Strong Buy 0 0
Buy 1 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
4.60
Safe zone
Piotroski F-Score
6 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Software - Infrastructure: +13.7%
    +18.5% Q4'25: +55.9% (vs Q4'23)
  • EPS growth Software - Infrastructure: +28.7%
    +13.0% Q4'25: +36.0% (vs Q4'23)
  • FCF margin FCF growth · Software - Infrastructure: +32.2%
    +9.4% Q4'25: +7.3% (vs Q4'23)
  • EBIT margin Software - Infrastructure: +8.8%
    +19.6% Q4'25: +18.2% (vs Q4'23)
  • ROIC Software - Infrastructure: +6.6%
    +28.0% Q4'25: +57.8% (vs Q4'23)
  • Share dilution Software - Infrastructure: +0.0%
    +0.6% Q4'25: +1.0% (vs Q4'23)
  • Debt / EBITDA Net debt/EBITDA · Software - Infrastructure: -1.06×
    1.30× Q4'25: 0.61× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.41) × ERP
WACC = 92% × Ke + 8% × Kd (6.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 12.14 Current price: 8.95
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Dec 2029
1 Rev. Ana.
Revenue
9.41M
est: 10.85M (-13.3%)
9.29M
est: 9.72M (-4.4%)
11.56M
est: 10.09M (+14.5%)
15.76M
est: 16.00M (-1.5%)
15.04M
est: 18.00M (-16.4%)
20.12M
est: 20.10M (+0.1%)
25.04M
est: 24.80M (+0.9%)
30.10M
est: 31.38M (-4.1%)
40.09M
est: 40.30M (-0.5%)
47.50M
est: 47.10M (+0.8%)
70.70M
70.70M – 70.70M
+50.1% YoY
79.40M
79.40M – 79.40M
+12.3% YoY
84.70M
84.70M – 84.70M
+6.7% YoY
77.20M
77.20M – 77.20M
-8.9% YoY
EBITDA
1.13M
est: 2.85M (-60.5%)
981.9K
est: 2.55M (-61.6%)
2.47M
est: 2.65M (-6.8%)
4.35M
est: 4.21M (+3.3%)
3.95M
est: 4.73M (-16.6%)
5.62M
est: 5.28M (+6.4%)
6.25M
est: 6.52M (-4.1%)
7.67M
est: 8.25M (-7.0%)
10.73M
est: 10.97M (-2.2%)
12.90M
est: 12.83M (+0.6%)
19.25M
19.25M – 19.25M
+50.1% YoY
21.62M
21.62M – 21.62M
+12.3% YoY
23.06M
23.06M – 23.06M
+6.7% YoY
21.02M
21.02M – 21.02M
-8.9% YoY
EBIT
976.7K
est: 1.75M (-44.2%)
765.8K
est: 1.57M (-51.2%)
1.92M
est: 1.63M (+18.0%)
2.08M
est: 2.58M (-19.3%)
1.58M
est: 2.91M (-45.5%)
2.84M
est: 3.25M (-12.6%)
4.14M
est: 4.00M (+3.3%)
5.72M
est: 5.07M (+12.9%)
8.25M
est: 10.74M (-23.2%)
9.32M
est: 12.55M (-25.7%)
18.84M
18.84M – 18.84M
+50.1% YoY
21.15M
21.15M – 21.15M
+12.3% YoY
22.57M
22.57M – 22.57M
+6.7% YoY
20.57M
20.57M – 20.57M
-8.9% YoY
Net Income
919.1K
est: 616.8K (+49.0%)
561.3K
est: 740.1K (-24.2%)
1.02M
1.77M
est: 2.71M (-34.9%)
953.0K
est: 2.34M (-59.3%)
2.20M
est: 2.10M (+5.1%)
4.35M
est: 2.96M (+47.1%)
3.85M
est: 4.19M (-8.1%)
5.59M
est: 6.45M (-13.4%)
6.35M
est: 7.45M (-14.7%)
9.68M
9.68M – 9.68M
+30.0% YoY
13.90M
13.90M – 13.90M
+43.6% YoY
15.64M
15.64M – 15.64M
+12.5% YoY
— – —
-100.0% YoY
SGA
3.01M
est: 2.31M (+30.3%)
3.27M
est: 2.07M (+57.6%)
3.23M
est: 2.15M (+50.0%)
4.33M
est: 3.41M (+27.0%)
4.34M
est: 3.84M (+13.1%)
5.37M
est: 4.29M (+25.4%)
5.71M
est: 5.29M (+7.9%)
6.48M
est: 6.69M (-3.1%)
2.69M
est: 6.74M (-60.0%)
2.76M
est: 7.87M (-64.9%)
11.82M
11.82M – 11.82M
+50.1% YoY
13.27M
13.27M – 13.27M
+12.3% YoY
14.16M
14.16M – 14.16M
+6.7% YoY
12.90M
12.90M – 12.90M
-8.9% YoY
EPS
0.04
est: 0.03 (+56.4%)
0.02
est: 0.03 (-20.3%)
0.04
0.08
est: 0.11 (-30.7%)
0.04
est: 0.10 (-57.6%)
0.09
est: 0.09 (+7.4%)
0.18
est: 0.12 (+50.0%)
0.16
est: 0.17 (-5.9%)
0.23
est: 0.26 (-11.5%)
0.26
est: 0.30 (-13.3%)
0.39
0.39 – 0.39
+30.0% YoY
0.56
0.56 – 0.56
+43.6% YoY
0.63
0.63 – 0.63
+12.5% YoY
— – —
-100.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-28 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-27 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-26 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-25 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-22 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-21 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-20 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-19 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-18 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-15 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-14 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-13 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-12 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-11 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-08 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-07 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-06 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-05 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-05-04 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-30 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-29 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-28 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-27 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-24 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-23 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-22 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-21 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-20 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-17 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-16 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
16.08M
OE per share TTM
0.65
Owner's Yield
8.49%
Maintenance CapEx ratio
47.53%
Maint CapEx / Avg PPE
19.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 4 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Dimensional Emerging Markets Sustainability Core 1 ETF DFSE 0.00% 8.3K 0.44%
2 Dimensional - Emerging Markets Core Equity 2 ETF DFEM 0.00% 114.3K 0.39%
3 Dimensional World ex U.S. Core Equity 2 ETF DFAX 0.00% 18.8K 0.28%
4 Dimensional - Emerging Markets ex China Core Equity ETF DEXC 0.00% 322.17 0.56%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
48.1K
Shares Outstanding
24.56M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Charalambos Panayiotis Stasinopoulos Executive Chairman, President & Chief Entrepreneur 1M male
Evangelos Ioannis Angelides Chief Executive Officer, Chief Operating Officer & Executive Director 194.8K male
Ekaterini D. Tsoura Chief Marketing Officer 43.2K female
Dimitrios Evangelou Head of the Internal Audit Department male
Santoukas Zafeirios Head of Accounting & Accounting Manager male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits