Terug
Dagbereik
€ 125,79
€ 128,96
52-Weeksbereik
€ 114,73
€ 150,02
Volume
337.108
50D / 200D Gem.
€ 129,89
/
€ 132,69
Vorige Slotkoers
€ 124,18
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 12,6 | 10,3 |
| P/B | 2,2 | 1,1 |
| ROE % | 18,1 | 11,7 |
| Net Margin % | 10,3 | 16,8 |
| Rev Growth 5Y % | 7,0 | 11,7 |
| D/E | 0,4 | 0,5 |
Belangrijkste Punten
Revenue grew 7,02% annually over 5 years — modest growth
ROE of 18,13% — decent returns on equity
Debt/Equity of 0,42 — conservative balance sheet
Generating 1,40B in free cash flow
P/E of 12,60 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 8,28%
Groei
Revenue Growth (5Y)
7,02%
Revenue (1Y)-1,26%
Earnings (1Y)-5,07%
FCF Growth (3Y)-14,18%
Kwaliteit
Return on Equity
18,13%
ROIC11,74%
Net Margin10,30%
Op. Margin13,13%
Veiligheid
Debt / Equity
0,42
Current Ratio1,25
Interest Coverage13,41
Waardering
P/E Ratio
12,60
P/B Ratio2,20
EV/EBITDA10,17
Dividend Yield0,05%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -1,26% | Revenue Growth (3Y) | 2,85% |
| Earnings Growth (1Y) | -5,07% | Earnings Growth (3Y) | -0,59% |
| Revenue Growth (5Y) | 7,02% | Earnings Growth (5Y) | -19,40% |
| Profitability | |||
| Revenue (TTM) | 8,17B | Net Income (TTM) | 842,00M |
| ROE | 18,13% | ROA | 3,18% |
| Gross Margin | 46,32% | Operating Margin | 13,13% |
| Net Margin | 10,30% | Free Cash Flow (TTM) | 1,40B |
| ROIC | 11,74% | FCF Growth (3Y) | -14,18% |
| Safety | |||
| Debt / Equity | 0,42 | Current Ratio | 1,25 |
| Interest Coverage | 13,41 | Dividend Yield | 0,05% |
| Valuation | |||
| P/E Ratio | 12,60 | P/B Ratio | 2,20 |
| P/S Ratio | 1,30 | PEG Ratio | -2,77 |
| EV/EBITDA | 10,17 | Dividend Yield | 0,05% |
| Market Cap | 10,61B | Enterprise Value | 10,91B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 8,17B | 8,28B | 7,73B | 6,77B | 6,23B |
| Net Income | 842,00M | 887,00M | 852,00M | 898,00M | 2,00B |
| EPS (Diluted) | 10,08 | 10,57 | 10,05 | 10,53 | 23,30 |
| Gross Profit | 3,79B | 1,47B | 1,36B | 1,20B | 1,37B |
| Operating Income | 1,07B | 1,12B | 1,07B | 1,12B | 1,34B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 26,50B | 25,01B | 24,62B | 24,09B | 24,89B |
| Total Liabilities | 24,37B | 20,54B | 20,36B | 20,04B | 19,87B |
| Shareholders' Equity | 4,82B | 4,47B | 4,26B | 4,05B | 5,01B |
| Total Debt | 2,04B | 1,90B | 1,83B | 1,69B | 2,20B |
| Cash & Equivalents | 1,73B | 1,41B | 1,23B | 872,00M | 2,13B |
| Current Assets | 3,37B | 2,94B | 2,70B | 2,21B | 3,40B |
| Current Liabilities | 2,69B | 2,61B | 2,53B | 2,37B | 2,25B |