Terug
Dagbereik
€ 44,19
€ 45,84
52-Weeksbereik
€ 42,12
€ 90,00
Volume
299.602
50D / 200D Gem.
€ 57,79
/
€ 70,35
Vorige Slotkoers
€ 43,82
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 26,6 | 10,3 |
| P/B | 0,9 | 1,1 |
| ROE % | 3,3 | 11,7 |
| Net Margin % | 4,6 | 16,8 |
| Rev Growth 5Y % | -0,5 | 11,7 |
| D/E | 1,3 | 0,5 |
Belangrijkste Punten
Revenue declined -0,50% annually over 5 years
Earnings declined -47,23% over the past year
ROE of 3,28% is below average
Negative free cash flow of -680,08M
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 9,49%
Capital efficient — spends only 1,28% of revenue on capex
Groei
Revenue Growth (5Y)
-0,50%
Revenue (1Y)8,99%
Earnings (1Y)-47,23%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
3,28%
ROIC4,01%
Net Margin4,62%
Op. Margin17,26%
Veiligheid
Debt / Equity
1,30
Current Ratio0,32
Interest Coverage38,81
Waardering
P/E Ratio
26,55
P/B Ratio0,87
EV/EBITDA16,27
Dividend Yield0,05%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 8,99% | Revenue Growth (3Y) | 8,19% |
| Earnings Growth (1Y) | -47,23% | Earnings Growth (3Y) | -27,08% |
| Revenue Growth (5Y) | -0,50% | Earnings Growth (5Y) | -31,92% |
| Profitability | |||
| Revenue (TTM) | 1,23B | Net Income (TTM) | 57,08M |
| ROE | 3,28% | ROA | 1,13% |
| Gross Margin | 61,33% | Operating Margin | 17,26% |
| Net Margin | 4,62% | Free Cash Flow (TTM) | -680,08M |
| ROIC | 4,01% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1,30 | Current Ratio | 0,32 |
| Interest Coverage | 38,81 | Dividend Yield | 0,05% |
| Valuation | |||
| P/E Ratio | 26,55 | P/B Ratio | 0,87 |
| P/S Ratio | 1,23 | PEG Ratio | -0,75 |
| EV/EBITDA | 16,27 | Dividend Yield | 0,05% |
| Market Cap | 1,52B | Enterprise Value | 3,47B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,23B | 1,13B | 1,05B | 1,26B | 1,26B |
| Net Income | 57,08M | 108,17M | 107,36M | 213,82M | 265,76M |
| EPS (Diluted) | 1,64 | 3,19 | 3,18 | 6,36 | 8,15 |
| Gross Profit | 756,94M | 503,56M | 471,67M | 617,15M | 647,71M |
| Operating Income | 213,07M | 131,50M | 138,20M | 264,97M | 352,06M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 5,06B | 4,38B | 4,05B | 4,05B | 5,21B |
| Total Liabilities | 3,31B | 2,62B | 2,31B | 2,33B | 3,63B |
| Shareholders' Equity | 1,74B | 1,75B | 1,72B | 1,69B | 1,55B |
| Total Debt | 2,25B | 1,66B | 1,47B | 1,32B | 2,71B |
| Cash & Equivalents | 299,32M | 279,27M | 328,70M | 225,95M | 305,64M |
| Current Assets | 718,67M | 1,74B | 1,49B | 1,30B | 2,88B |
| Current Liabilities | 2,25B | 30,54M | 113,55M | 200,35M | 125,81M |