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Fourchette du Jour
34,98 €
35,96 €
Fourchette 52 Semaines
27,35 €
40,41 €
Volume
303 267
Moyenne 50J / 200J
37,02 €
/
33,79 €
Clôture Précédente
34,63 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 13,1 | 10,3 |
| P/B | 1,0 | 1,1 |
| ROE % | 7,6 | 11,7 |
| Net Margin % | 10,2 | 16,8 |
| Rev Growth 5Y % | -3,2 | 11,7 |
| D/E | 0,4 | 0,5 |
Objectif de Cours des Analystes
Hold
36,00 €
+1.5%
P/E Prévisionnel
17,0
BPA Prévisionnel
2,09 €
Croissance BPA (est.)
+0,0%
CA Est.
1,3 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
2,32 €
2,25 € – 2,40 €
|
1,3 B | 3 |
| FY2026 |
2,09 €
1,92 € – 2,37 €
|
1,3 B | 3 |
Points Clés
Revenue declined -3,24% annually over 5 years
Earnings grew 46,27% over the past year
Debt/Equity of 0,43 — conservative balance sheet
Negative free cash flow of -95,10M
P/E of 13,14 — trading at a low valuation
PEG of 0,25 suggests growth is underpriced
Croissance
Revenue Growth (5Y)
-3,24%
Revenue (1Y)5,45%
Earnings (1Y)46,27%
FCF Growth (3Y)N/A
Qualité
Return on Equity
7,60%
ROIC5,36%
Net Margin10,19%
Op. Margin13,60%
Sécurité
Debt / Equity
0,43
Current Ratio0,24
Interest Coverage0,64
Valorisation
P/E Ratio
13,14
P/B Ratio1,00
EV/EBITDA8,46
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 5,45% | Revenue Growth (3Y) | 3,96% |
| Earnings Growth (1Y) | 46,27% | Earnings Growth (3Y) | 22,89% |
| Revenue Growth (5Y) | -3,24% | Earnings Growth (5Y) | -18,45% |
| Profitability | |||
| Revenue (TTM) | 1,63B | Net Income (TTM) | 165,59M |
| ROE | 7,60% | ROA | 1,05% |
| Gross Margin | 78,42% | Operating Margin | 13,60% |
| Net Margin | 10,19% | Free Cash Flow (TTM) | -95,10M |
| ROIC | 5,36% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0,43 | Current Ratio | 0,24 |
| Interest Coverage | 0,64 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 13,14 | P/B Ratio | 1,00 |
| P/S Ratio | 1,34 | PEG Ratio | 0,25 |
| EV/EBITDA | 8,46 | Dividend Yield | 0,02% |
| Market Cap | 2,18B | Enterprise Value | 1,87B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,63B | 1,54B | 1,50B | 1,35B | 1,85B |
| Net Income | 165,59M | 113,21M | 109,65M | 113,13M | 374,50M |
| EPS (Diluted) | 2,64 | 1,74 | 1,69 | 1,60 | 4,61 |
| Gross Profit | 1,27B | 1,12B | 1,11B | 1,21B | 1,80B |
| Operating Income | 221,06M | 154,26M | 149,12M | 156,13M | 504,07M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 15,84B | 16,27B | 16,47B | 16,27B | 18,69B |
| Total Liabilities | 13,65B | 14,05B | 14,32B | 14,20B | 16,14B |
| Shareholders' Equity | 2,17B | 2,19B | 2,12B | 2,05B | 2,52B |
| Total Debt | 926,75M | 1,35B | 1,39B | 1,50B | 1,47B |
| Cash & Equivalents | 1,23B | 2,30B | 1,86B | 1,58B | 2,82B |
| Current Assets | 1,23B | 5,15B | 4,94B | 4,28B | 6,63B |
| Current Liabilities | 5,07B | 13,29B | 13,43B | 13,31B | 15,29B |