Terug
Dagbereik
€ 30,70
€ 31,53
52-Weeksbereik
€ 25,85
€ 34,37
Volume
127.856
50D / 200D Gem.
€ 31,90
/
€ 30,21
Vorige Slotkoers
€ 30,10
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 13,4 | 10,3 |
| P/B | 1,1 | 1,1 |
| ROE % | 8,3 | 11,7 |
| Net Margin % | 16,5 | 16,8 |
| Rev Growth 5Y % | 12,1 | 11,7 |
| D/E | 0,9 | 0,5 |
Belangrijkste Punten
Revenue grew 12,10% annually over 5 years — strong growth
Earnings declined -21,78% over the past year
Net margin of 16,52% shows strong profitability
Generating 73,48M in free cash flow
P/E of 13,37 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 20,22%
Groei
Revenue Growth (5Y)
12,10%
Revenue (1Y)-8,12%
Earnings (1Y)-21,78%
FCF Growth (3Y)0,36%
Kwaliteit
Return on Equity
8,34%
ROIC3,92%
Net Margin16,52%
Op. Margin19,72%
Veiligheid
Debt / Equity
0,87
Current Ratio0,23
Interest Coverage0,45
Waardering
P/E Ratio
13,37
P/B Ratio1,09
EV/EBITDA15,43
Dividend Yield0,05%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -8,12% | Revenue Growth (3Y) | 2,92% |
| Earnings Growth (1Y) | -21,78% | Earnings Growth (3Y) | -10,64% |
| Revenue Growth (5Y) | 12,10% | Earnings Growth (5Y) | -11,61% |
| Profitability | |||
| Revenue (TTM) | 419,03M | Net Income (TTM) | 69,22M |
| ROE | 8,34% | ROA | 0,81% |
| Gross Margin | 55,84% | Operating Margin | 19,72% |
| Net Margin | 16,52% | Free Cash Flow (TTM) | 73,48M |
| ROIC | 3,92% | FCF Growth (3Y) | 0,36% |
| Safety | |||
| Debt / Equity | 0,87 | Current Ratio | 0,23 |
| Interest Coverage | 0,45 | Dividend Yield | 0,05% |
| Valuation | |||
| P/E Ratio | 13,37 | P/B Ratio | 1,09 |
| P/S Ratio | 2,21 | PEG Ratio | -0,62 |
| EV/EBITDA | 15,43 | Dividend Yield | 0,05% |
| Market Cap | 925,13M | Enterprise Value | 1,28B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 419,03M | 456,07M | 395,58M | 293,84M | 265,32M |
| Net Income | 69,22M | 88,49M | 86,69M | 105,02M | 113,40M |
| EPS (Diluted) | 2,29 | 2,92 | 2,82 | 3,26 | 3,47 |
| Gross Profit | 233,99M | 254,51M | 241,71M | 249,96M | 255,86M |
| Operating Income | 82,63M | 107,38M | 101,13M | 119,63M | 130,83M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 8,51B | 8,52B | 8,28B | 7,56B | 7,26B |
| Total Liabilities | 7,67B | 7,71B | 7,51B | 6,81B | 6,35B |
| Shareholders' Equity | 847,62M | 811,94M | 773,29M | 746,00M | 912,17M |
| Total Debt | 734,09M | 976,45M | 893,32M | 550,52M | 542,73M |
| Cash & Equivalents | 383,99M | 373,35M | 513,74M | 115,42M | 201,75M |
| Current Assets | 1,69B | 1,53B | 1,86B | 1,46B | 3,01B |
| Current Liabilities | 7,28B | 6,73B | 6,55B | 6,20B | 5,72B |