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Fourchette du Jour
40,32 €
41,32 €
Fourchette 52 Semaines
31,28 €
44,80 €
Volume
257 945
Moyenne 50J / 200J
41,01 €
/
38,19 €
Clôture Précédente
40,21 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 8,6 | 10,3 |
| P/B | 1,1 | 1,1 |
| ROE % | 13,0 | 11,7 |
| Net Margin % | 54,8 | 16,8 |
| Rev Growth 5Y % | 2,4 | 11,7 |
| D/E | 0,1 | 0,5 |
Objectif de Cours des Analystes
Hold
45,00 €
+11.5%
Low: 40,00 €
High: 50,00 €
P/E Prévisionnel
8,4
BPA Prévisionnel
4,78 €
Croissance BPA (est.)
+0,0%
CA Est.
1,3 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
5,65 €
5,58 € – 5,69 €
|
1,3 B | 1 |
| FY2027 |
5,08 €
4,89 € – 5,27 €
|
1,3 B | 3 |
| FY2026 |
4,78 €
4,59 € – 4,96 €
|
1,3 B | 3 |
Points Clés
Revenue grew 2,37% annually over 5 years — modest growth
ROE of 13,03% — decent returns on equity
Net margin of 54,80% shows strong profitability
Debt/Equity of 0,14 — conservative balance sheet
Generating 724,52M in free cash flow
P/E of 8,64 — trading at a low valuation
Croissance
Revenue Growth (5Y)
2,37%
Revenue (1Y)2,37%
Earnings (1Y)-2,01%
FCF Growth (3Y)7,07%
Qualité
Return on Equity
13,03%
ROIC10,56%
Net Margin54,80%
Op. Margin69,80%
Sécurité
Debt / Equity
0,14
Current Ratio6,86
Interest Coverage17,19
Valorisation
P/E Ratio
8,64
P/B Ratio1,09
EV/EBITDA6,97
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 2,37% | Revenue Growth (3Y) | 3,27% |
| Earnings Growth (1Y) | -2,01% | Earnings Growth (3Y) | 0,65% |
| Revenue Growth (5Y) | 2,37% | Earnings Growth (5Y) | 5,38% |
| Profitability | |||
| Revenue (TTM) | 1,23B | Net Income (TTM) | 674,24M |
| ROE | 13,03% | ROA | 9,78% |
| Gross Margin | 91,10% | Operating Margin | 69,80% |
| Net Margin | 54,80% | Free Cash Flow (TTM) | 724,52M |
| ROIC | 10,56% | FCF Growth (3Y) | 7,07% |
| Safety | |||
| Debt / Equity | 0,14 | Current Ratio | 6,86 |
| Interest Coverage | 17,19 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 8,64 | P/B Ratio | 1,09 |
| P/S Ratio | 4,74 | PEG Ratio | 2,74 |
| EV/EBITDA | 6,97 | Dividend Yield | 0,02% |
| Market Cap | 5,83B | Enterprise Value | 5,99B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,23B | 1,20B | 1,15B | 1,09B | 1,12B |
| Net Income | 674,24M | 688,07M | 665,51M | 704,16M | 546,69M |
| EPS (Diluted) | 4,52 | 4,37 | 4,11 | 4,31 | 3,36 |
| Gross Profit | 1,12B | 940,31M | 903,38M | 949,75M | 748,56M |
| Operating Income | 858,84M | 878,06M | 851,51M | 898,22M | 695,22M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 6,89B | 6,55B | 6,22B | 5,74B | 5,91B |
| Total Liabilities | 1,54B | 1,55B | 1,59B | 1,63B | 1,81B |
| Shareholders' Equity | 5,36B | 5,00B | 4,63B | 4,10B | 4,11B |
| Total Debt | 744,48M | 760,32M | 768,68M | 771,26M | 775,82M |
| Cash & Equivalents | 582,49M | 599,43M | 615,68M | 513,78M | 425,83M |
| Current Assets | 628,62M | 652,46M | 660,75M | 555,51M | 468,09M |
| Current Liabilities | 91,64M | 118,57M | 153,13M | 206,16M | 246,32M |