Ikonia FinTech AG

€1.20As of Sun 8 Nov 2026, 12:00 UTC

DUS:90Y—

Country Germany

PE (Fwd) •••

TSR 5Y CAGR —

Div yield —

ROE —

—

Beta (5Y) —

PE TTM —

TSR TTM (20.00%)

Mkt cap —

ROIC —

SE Grade™

—

Value

Quality

Moat

Consensus

Reference

€1.35

12.38%

247.11%

Hold 0|12|1|5|0

TTM

FYE 31 Dec EUR

FY2016

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026E

Trend

10Y

Peers

0.620

Revenue€B

3.852

4.207

4.571

4.847

5.126

5.516

5.969

6.532

7.013

7.401

0.670

7.62%

7.40%

14.53

Revenue growth%

18.39

18.02

19.98

19.50

19.42

17.46

18.59

20.00

18.43

19.87

18.74

18.59

19.01

10.27

Gross margin%

8.31

9.66

10.02

11.59

13.70

11.41

13.69

12.54

15.27

16.94

4.71

13.69

12.07

11.27

Operating margin%

24.82

22.72

23.86

24.76

24.12

22.79

23.24

25.86

27.28

26.88

28.97

25.86

24.44

4.50

Net margin%

7.33

8.15

6.72

3.92

4.52

3.01

4.10

3.35

1.53

4.33

16.34

3.35

4.22

10.66

P/E ratio (avg)x

25.53

28.85

32.23

38.66

46.69

49.35

49.71

59.03

62.01

72.56

37.15

59.03

48.02

27.47

EV/EBITx

7.101

6.785

6.824

6.703

6.652

6.882

6.486

6.057

5.728

5.205

21.72

6.057

6.678

10.98

FCF yield (avg)%

16.16

14.17

11.69

14.66

16.30

18.67

19.71

17.52

16.28

17.53

8.43

17.53

16.29

26.91

FCF margin%

2.76

0.40

0.70

0.40

1.92

4.83

3.25

3.09

28.16

3.09

1.31

1.483

FCF / Net incomex

1.861

1.917

1.895

1.850

1.718

1.609

1.659

1.878

1.701

1.897

1.175

1.701

1.855

21.39

ROIC%

6.31

7.20

5.71

4.38

5.64

5.10

2.92

3.34

2.19

2.65

16.42

2.92

4.74

15.93

Return on equity%

18.70

18.45

17.83

15.91

14.51

12.33

10.09

8.04

6.44

7.30

22.02

8.04

13.42

4.46

Return on assets%

10.88

11.40

10.12

10.66

8.50

11.35

10.17

10.56

9.91

7.49

10.20

10.17

10.37

0.10

EPS€

0.08

0.10

0.11

0.12

0.13

0.16

0.17

0.19

0.20

0.11

11.59%

9.61%

—

28.09

EPS growth%

22.17

20.47

23.29

22.78

22.69

25.30

23.09

21.42

24.40

25.71

26.47

24.40

22.94

0.06

Bookvalue per sh€

0.15

0.17

0.20

0.19

0.20

0.23

0.27

0.29

0.34

0.14

11.65%

10.21%

—

0.07

FCF per share€

0.09

0.08

0.09

0.04

1.94%

(1.54%)

—

0.13

Dividend per sh€

0.09

0.08

0.07

0.08

0.07

(0.78%)

(2.33%)

—

7.08

Div yield (avg)%

28.24

28.04

27.20

29.66

31.19

32.84

33.88

32.58

31.11

29.68

23.17

32.58

30.39

8.95

Payout ratio%

22.39

22.90

20.41

20.94

21.91

21.83

23.42

21.00

20.21

19.46

16.24

21.00

21.41

172.3

Shares (diluted)M

163.8

152.3

150.8

143.9

145.5

138.5

148.1

140.0

158.1

147.4

165.0

0.26%

(1.46%)

18.03

Buyback yield%

17.46

17.76

19.80

22.29

24.82

27.22

24.37

24.48

25.58

25.65

5.73

25.58

24.42

1.542

D/E ratiox

1.002

0.987

1.046

0.978

0.960

0.901

0.862

0.812

0.794

0.836

0.542

0.836

0.931

3.384

Enterprise value€B

0.491

0.575

0.675

0.766

0.781

0.922

0.938

0.915

1.075

1.251

1.011

9.89%

11.63%

5.085

LT debt€B

3.837

3.809

3.714

3.710

3.549

3.259

3.063

3.248

3.610

3.925

2.736

2.04%

(0.47%)

Peers (US$0.365M)

Cap (US$)

UMT United Mobility…

3.698M

—

Chainledger Systems AG

2.532M

—

Securize IT Solutions…

1.077M

—

World Blockchain Corp.

0.336M

—

Capital

TTM

10Y

Leveragex

2.203

0.095

EBIT/Intx

1.100

0.897

0.752

Own earn%

(488.30)

100.50

97.25

Sh yield%

25.12

57.05

55.67

Owners

Insiders/Inst%

9.34

72.12

Short interest%

1.16

SBC / revenue%

0.70

Record

10Y

Profitable years

10/10

Revenue growth years

10/10

EPS growth years

10/10

Dividend streakyrs

Op margin range%

23–27

$1 testx

8.5

Incr. ROIC%

Ikonia FinTech AG, a software company, engages in developing fintech banking platforms in Germany and internationally. Its platform enables creation of digital banking and payment gateway solutions that allow users to accept payments with cards, as well as build banking, FX, crypto, and card products.

Growth vs revenue

Latest

Trend

10Y CAGR

Rel growth

Revenue

€7.401B

7.40%

1.00×

Cost of revenue

€5.051B

7.44%

1.00×

Operating expenses

€1.492B

7.58%

1.02×