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Fourchette du Jour
35,32 €
36,81 €
Fourchette 52 Semaines
21,98 €
40,01 €
Volume
674 316
Moyenne 50J / 200J
35,76 €
/
30,86 €
Clôture Précédente
35,62 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 25,2 | 10,3 |
| P/B | 1,8 | 1,1 |
| ROE % | 7,5 | 11,7 |
| Net Margin % | 46,1 | 16,8 |
| Rev Growth 5Y % | 4,2 | 11,7 |
| D/E | 2,0 | 0,5 |
Insider Trading Activity
Buy ratio (90d)
0.0%
16 transactions
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| Mar 5, 2026 |
Viral Amin A
EVP, Chief Risk Officer
|
other | 679 | 36,43 € | 24 736 € |
| Mar 5, 2026 |
Whicher Michelle
Chief Accounting Officer
|
other | 2 238 | 36,43 € | 81 530 € |
| Mar 2, 2026 |
Viral Amin A
EVP, Chief Risk Officer
|
grant | 20 645 | — | — |
| Mar 2, 2026 |
Melko Charles
CFO & Treasurer
|
grant | 34 500 | — | — |
| Mar 2, 2026 |
Whicher Michelle
Chief Accounting Officer
|
grant | 10 246 | — | — |
| Mar 2, 2026 |
Lipson Jeffrey
Chief Executive Officer
|
grant | 238 500 | — | — |
| Mar 2, 2026 |
Gopalakrishnan Nitya
Chief Operating Officer
|
grant | 28 500 | — | — |
| Mar 2, 2026 |
Pangburn Marc T.
Chief Rev And Strategy Officer
|
grant | 100 500 | — | — |
| Mar 2, 2026 |
Nickey Susan D
EVP and Chief Client Officer
|
grant | 60 000 | — | — |
| Feb 17, 2026 |
Eckel Jeffrey
Director
|
sell | 134 398 | 39,22 € | 5 272 218 € |
| Sep 16, 2025 |
Gopalakrishnan Nitya
Chief Operating Officer
|
grant | 20 000 | — | — |
| Jun 4, 2025 |
Eckel Jeffrey
Director
|
grant | 5 166 | — | — |
| Jun 4, 2025 |
O'Neil Charles
Director
|
grant | 5 166 | — | — |
| Jun 4, 2025 |
Reed Kimberly A.
Director
|
grant | 5 166 | — | — |
| May 15, 2025 |
Whicher Michelle
Chief Accounting Officer
|
other | 629 | 28,35 € | 17 832 € |
| Mar 24, 2025 |
Brenner Teresa
Director
|
other | 2 000 | — | — |
Points Clés
Revenue grew 4,21% annually over 5 years — modest growth
Net margin of 46,08% shows strong profitability
Generating 226,73M in free cash flow
Revenue growth is decelerating — 1Y growth trails 5Y average by 40,79%
Cash machine — converts 122,86% of earnings into free cash flow
Capital efficient — spends only 0,00% of revenue on capex
Croissance
Revenue Growth (5Y)
4,21%
Revenue (1Y)-36,58%
Earnings (1Y)-7,74%
FCF Growth (3Y)50,81%
Qualité
Return on Equity
7,51%
ROIC2,60%
Net Margin46,08%
Op. Margin66,22%
Sécurité
Debt / Equity
1,97
Current Ratio255,93
Interest Coverage0,91
Valorisation
P/E Ratio
25,15
P/B Ratio1,80
EV/EBITDA36,09
Dividend Yield0,05%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -36,58% | Revenue Growth (3Y) | -6,78% |
| Earnings Growth (1Y) | -7,74% | Earnings Growth (3Y) | 11,35% |
| Revenue Growth (5Y) | 4,21% | Earnings Growth (5Y) | 9,88% |
| Profitability | |||
| Revenue (TTM) | 400,50M | Net Income (TTM) | 184,55M |
| ROE | 7,51% | ROA | 2,25% |
| Gross Margin | 99,61% | Operating Margin | 66,22% |
| Net Margin | 46,08% | Free Cash Flow (TTM) | 226,73M |
| ROIC | 2,60% | FCF Growth (3Y) | 50,81% |
| Safety | |||
| Debt / Equity | 1,97 | Current Ratio | 255,93 |
| Interest Coverage | 0,91 | Dividend Yield | 0,05% |
| Valuation | |||
| P/E Ratio | 25,15 | P/B Ratio | 1,80 |
| P/S Ratio | 11,59 | PEG Ratio | -1,57 |
| EV/EBITDA | 36,09 | Dividend Yield | 0,05% |
| Market Cap | 4,64B | Enterprise Value | 9,57B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 400,50M | 631,47M | 460,85M | 271,03M | 339,59M |
| Net Income | 184,55M | 200,04M | 148,84M | 41,50M | 126,58M |
| EPS (Diluted) | 1,41 | 1,62 | 1,42 | 0,45 | 1,51 |
| Gross Profit | 398,94M | 389,11M | 289,84M | 155,47M | 217,88M |
| Operating Income | 265,22M | 273,83M | 182,38M | 49,29M | 144,50M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 8,19B | 7,08B | 6,55B | 4,76B | 4,15B |
| Total Liabilities | 5,53B | 4,68B | 4,41B | 3,10B | 2,58B |
| Shareholders' Equity | 2,57B | 2,34B | 2,09B | 1,63B | 1,54B |
| Total Debt | 5,08B | 4,40B | 4,25B | 2,98B | 2,49B |
| Cash & Equivalents | 145,22M | 129,76M | 62,63M | 155,71M | 226,20M |
| Current Assets | 3,84B | 3,10B | 3,17B | 2,23B | 1,67B |
| Current Liabilities | 15,00M | 275,64M | 163,31M | 120,11M | 88,87M |