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1. Company Snapshot

1.a. Company Description

GFT Technologies SE, together with its subsidiaries, provides digital transformation services.The company operates in two segments, Americas, UK & APAC; and Continental Europe.It offers consulting on the development and realization of IT strategies, development of bespoke IT solutions, implementation of sector-specific software, and maintenance and development of business-critical IT solutions.


The company serves banking, insurance, and industrial sectors.It operates in Brazil, Germany, France, the United Kingdom, Hong Kong, Italy, Canada, Mexico, Poland, Switzerland, Singapore, Spain, the United States, and internationally.The company was founded in 1987 and is headquartered in Stuttgart, Germany.

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1.b. Last Insights on GFT

GFT Technologies SE faced negative drivers, primarily stemming from its recent earnings release. The company's Q2 2025 EPS decreased to €0.24, down from €0.41 in Q2 2024. Revenue only grew by 1.1% from the same period last year, reaching €219.6m. Although GFT Technologies announced a generative AI-powered credit risk assistant to inform major lending decisions, this development may not be enough to offset concerns around its declining EPS. Additionally, the company's growth seems to be slowing.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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GFT Technologies SE's (ETR:GFT) Intrinsic Value Is Potentially 100% Above Its Share Price

Nov -26

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GFT and FICO Launch Global Partnership in Smart Finance

Nov -20

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GFT Technologies SE (WBO:GFT) Q3 2025 Earnings Call Highlights: Revenue Growth Amidst UK ...

Nov -13

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GFT Achieves AWS Generative AI Competency

Nov -05

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Is It Too Late To Consider Buying GFT Technologies SE (ETR:GFT)?

Nov -04

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GFT’s Generative AI Credit Risk Assistant to Inform Major Lending Decisions

Sep -18

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Societe Generale: shares & voting rights as of 31 August 2025

Sep -09

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Assessing Acciona (BME:ANA)'s Valuation After Recent Subtle Moves

Sep -09

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (9.66%)

6. Segments

Americas, UK & APAC

Expected Growth: 8%

{'Americas': 'Strong economic growth, increasing adoption of digital trading platforms, and growing demand for online FX trading drive growth in the Americas region.', 'UK': 'Brexit-related market volatility, increasing demand for CFD trading, and growth in online trading platforms contribute to growth in the UK.', 'APAC': "Rapidly growing middle class, increasing adoption of online trading, and expansion of GFT's presence in key markets such as China and Japan drive growth in APAC."}

Continental Europe

Expected Growth: 12%

GFT Technologies SE's 12% growth in Continental Europe is driven by increasing demand for digital transformation in the financial sector, adoption of cloud-based services, and growing need for IT consulting and implementation services. Additionally, the region's economic growth, urbanization, and investments in fintech and regtech also contribute to the company's expansion.

Reconciliation

Expected Growth: 9%

GFT Technologies SE's 9% growth driven by increasing demand for digital transformation in the financial sector, expansion into new markets, and strategic partnerships. Additionally, the company's focus on cloud-based solutions, artificial intelligence, and cybersecurity has contributed to its growth. Cost savings from operational efficiencies and a strong sales pipeline have also supported the company's growth momentum.

7. Detailed Products

Digital Banking

GFT's digital banking solutions enable banks to create seamless, omnichannel experiences for their customers, providing a unified platform for online and mobile banking, payment systems, and core banking services.

Cloud and IT Services

GFT's cloud and IT services provide scalable, secure, and efficient infrastructure solutions, including cloud migration, managed services, and IT consulting, to help businesses optimize their IT operations.

Artificial Intelligence and Machine Learning

GFT's AI and ML solutions enable businesses to automate processes, gain insights, and drive innovation, using machine learning, natural language processing, and computer vision.

Cybersecurity

GFT's cybersecurity services provide comprehensive protection against threats, including penetration testing, vulnerability assessment, and incident response, to help businesses safeguard their digital assets.

Data Analytics

GFT's data analytics solutions help businesses extract insights from their data, using data warehousing, business intelligence, and data science, to drive informed decision-making.

Regulatory and Compliance

GFT's regulatory and compliance services help financial institutions navigate complex regulatory requirements, including MiFID II, GDPR, and AML, ensuring compliance and minimizing risk.

8. GFT Technologies SE's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for GFT Technologies SE is moderate, as there are alternative financial services and technology solutions available to customers.

Bargaining Power Of Customers

The bargaining power of customers is low, as GFT Technologies SE has a diverse customer base and no single customer accounts for a significant portion of its revenue.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate, as GFT Technologies SE relies on a few key suppliers for its technology and services, but has some flexibility to switch suppliers if needed.

Threat Of New Entrants

The threat of new entrants is high, as the financial technology industry is rapidly evolving and new companies are entering the market with innovative solutions.

Intensity Of Rivalry

The intensity of rivalry is high, as GFT Technologies SE operates in a highly competitive industry with many established players and new entrants vying for market share.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 30.13%
Debt Cost 4.73%
Equity Weight 69.87%
Equity Cost 12.54%
WACC 10.19%
Leverage 43.13%

11. Quality Control: GFT Technologies SE passed 4 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
Datagroup

A-Score: 5.4/10

Value: 4.6

Growth: 7.2

Quality: 3.9

Yield: 3.1

Momentum: 8.5

Volatility: 5.0

1-Year Total Return ->

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Redcentric

A-Score: 4.9/10

Value: 3.1

Growth: 5.1

Quality: 4.0

Yield: 5.0

Momentum: 8.0

Volatility: 4.3

1-Year Total Return ->

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Stock-Card
GFT Technologies

A-Score: 4.6/10

Value: 7.4

Growth: 7.6

Quality: 5.7

Yield: 3.1

Momentum: 2.0

Volatility: 2.0

1-Year Total Return ->

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INIT

A-Score: 4.4/10

Value: 2.8

Growth: 5.7

Quality: 4.5

Yield: 1.9

Momentum: 8.0

Volatility: 3.7

1-Year Total Return ->

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Tinexta

A-Score: 4.1/10

Value: 4.4

Growth: 3.6

Quality: 3.6

Yield: 3.8

Momentum: 7.5

Volatility: 2.0

1-Year Total Return ->

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Northern Data

A-Score: 2.0/10

Value: 6.4

Growth: 2.2

Quality: 1.7

Yield: 0.0

Momentum: 1.0

Volatility: 0.7

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

18.18$

Current Price

18.18$

Potential

-0.00%

Expected Cash-Flows