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Fourchette du Jour
21,54 €
22,25 €
Fourchette 52 Semaines
17,46 €
23,84 €
Volume
593 966
Moyenne 50J / 200J
22,76 €
/
22,09 €
Clôture Précédente
21,63 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 18,8 | 10,3 |
| P/B | 1,5 | 1,1 |
| ROE % | 8,6 | 11,7 |
| Net Margin % | 43,1 | 16,8 |
| Rev Growth 5Y % | 22,6 | 11,7 |
| D/E | 1,1 | 0,5 |
Points Clés
Revenue grew 22,57% annually over 5 years — strong growth
Earnings declined -15,40% over the past year
Net margin of 43,07% shows strong profitability
Negative free cash flow of -217,26M
Revenue growth is decelerating — 1Y growth trails 5Y average by 14,90%
Capital efficient — spends only 0,00% of revenue on capex
Croissance
Revenue Growth (5Y)
22,57%
Revenue (1Y)7,67%
Earnings (1Y)-15,40%
FCF Growth (3Y)N/A
Qualité
Return on Equity
8,61%
ROIC3,24%
Net Margin43,07%
Op. Margin48,48%
Sécurité
Debt / Equity
1,08
Current RatioN/A
Interest Coverage1,44
Valorisation
P/E Ratio
18,76
P/B Ratio1,50
EV/EBITDA28,16
Dividend Yield0,12%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 7,67% | Revenue Growth (3Y) | 34,67% |
| Earnings Growth (1Y) | -15,40% | Earnings Growth (3Y) | 46,01% |
| Revenue Growth (5Y) | 22,57% | Earnings Growth (5Y) | 8,51% |
| Profitability | |||
| Revenue (TTM) | 163,81M | Net Income (TTM) | 70,55M |
| ROE | 8,61% | ROA | 3,75% |
| Gross Margin | 66,45% | Operating Margin | 48,48% |
| Net Margin | 43,07% | Free Cash Flow (TTM) | -217,26M |
| ROIC | 3,24% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1,08 | Current Ratio | N/A |
| Interest Coverage | 1,44 | Dividend Yield | 0,12% |
| Valuation | |||
| P/E Ratio | 18,76 | P/B Ratio | 1,50 |
| P/S Ratio | 8,08 | PEG Ratio | -0,53 |
| EV/EBITDA | 28,16 | Dividend Yield | 0,12% |
| Market Cap | 1,32B | Enterprise Value | 2,24B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 163,81M | 152,15M | 90,33M | 102,93M | 72,58M |
| Net Income | 70,55M | 83,39M | 33,09M | 42,82M | 50,88M |
| EPS (Diluted) | 1,47 | 2,05 | 1,10 | 1,87 | 2,67 |
| Gross Profit | 108,85M | 109,06M | 61,45M | 83,00M | 72,58M |
| Operating Income | 79,41M | 84,60M | 40,07M | 46,84M | 55,56M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1,88B | 1,56B | 1,26B | 973,96M | 735,58M |
| Total Liabilities | 999,21M | 801,08M | 667,28M | 553,09M | 399,33M |
| Shareholders' Equity | 883,63M | 755,68M | 590,41M | 420,87M | 336,25M |
| Total Debt | 956,07M | 770,85M | 637,64M | 528,59M | 381,30M |
| Cash & Equivalents | 43,22M | 32,27M | 21,59M | 11,43M | 31,61M |
| Current Assets | 75,54M | 62,48M | 40,66M | 25,78M | 42,32M |
| Current Liabilities | 0,0 | 0,0 | 0,0 | 0,0 | 0,0 |