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Fourchette du Jour
46,39 €
47,93 €
Fourchette 52 Semaines
35,20 €
53,18 €
Volume
180 809
Moyenne 50J / 200J
49,20 €
/
45,46 €
Clôture Précédente
46,08 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 12,6 | 10,3 |
| P/B | 1,2 | 1,1 |
| ROE % | 9,5 | 11,7 |
| Net Margin % | 22,8 | 16,8 |
| Rev Growth 5Y % | 12,3 | 11,7 |
| D/E | 0,1 | 0,5 |
Points Clés
Revenue grew 12,33% annually over 5 years — strong growth
Net margin of 22,79% shows strong profitability
Debt/Equity of 0,06 — conservative balance sheet
Generating 127,93M in free cash flow
P/E of 12,61 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 10,55%
Croissance
Revenue Growth (5Y)
12,33%
Revenue (1Y)1,78%
Earnings (1Y)5,82%
FCF Growth (3Y)-2,29%
Qualité
Return on Equity
9,54%
ROIC9,01%
Net Margin22,79%
Op. Margin31,73%
Sécurité
Debt / Equity
0,06
Current Ratio0,02
Interest Coverage1,41
Valorisation
P/E Ratio
12,61
P/B Ratio1,15
EV/EBITDA8,60
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 1,78% | Revenue Growth (3Y) | 4,03% |
| Earnings Growth (1Y) | 5,82% | Earnings Growth (3Y) | 1,76% |
| Revenue Growth (5Y) | 12,33% | Earnings Growth (5Y) | 0,82% |
| Profitability | |||
| Revenue (TTM) | 533,31M | Net Income (TTM) | 121,56M |
| ROE | 9,54% | ROA | 1,24% |
| Gross Margin | 75,85% | Operating Margin | 31,73% |
| Net Margin | 22,79% | Free Cash Flow (TTM) | 127,93M |
| ROIC | 9,01% | FCF Growth (3Y) | -2,29% |
| Safety | |||
| Debt / Equity | 0,06 | Current Ratio | 0,02 |
| Interest Coverage | 1,41 | Dividend Yield | 0,03% |
| Valuation | |||
| P/E Ratio | 12,61 | P/B Ratio | 1,15 |
| P/S Ratio | 2,87 | PEG Ratio | 1,76 |
| EV/EBITDA | 8,60 | Dividend Yield | 0,03% |
| Market Cap | 1,53B | Enterprise Value | 1,46B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 533,31M | 523,97M | 492,81M | 412,05M | 334,90M |
| Net Income | 121,56M | 114,87M | 117,39M | 125,42M | 117,66M |
| EPS (Diluted) | 3,71 | 3,47 | 3,52 | 3,83 | 3,94 |
| Gross Profit | 404,52M | 382,13M | 387,14M | 384,05M | 336,17M |
| Operating Income | 169,24M | 155,12M | 160,93M | 173,91M | 163,70M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 9,82B | 9,67B | 9,91B | 9,93B | 8,61B |
| Total Liabilities | 8,49B | 8,45B | 8,75B | 8,88B | 7,61B |
| Shareholders' Equity | 1,33B | 1,22B | 1,16B | 1,05B | 1,00B |
| Total Debt | 80,23M | 216,24M | 794,52M | 442,55M | 184,53M |
| Cash & Equivalents | 157,01M | 144,96M | 98,70M | 107,23M | 768,42M |
| Current Assets | 190,67M | 194,41M | 2,30B | 2,60B | 3,00B |
| Current Liabilities | 8,27B | 8,10B | 7,88B | 8,38B | 7,42B |