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JBARF
OTC
Dagbereik
€ 14,38
€ 14,70
52-Weeksbereik
€ 11,05
€ 17,70
Volume
6.857
50D / 200D Gem.
€ 16,43
/
€ 14,62
Vorige Slotkoers
€ 13,94
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 20,4 | 10,3 |
| P/B | 2,1 | 1,1 |
| ROE % | 10,4 | 11,7 |
| Net Margin % | 12,9 | 16,8 |
| Rev Growth 5Y % | 9,1 | 11,7 |
| D/E | 1,1 | 0,5 |
Belangrijkste Punten
Revenue grew 9,07% annually over 5 years — modest growth
Earnings declined -28,64% over the past year
ROE of 10,37% — decent returns on equity
Negative free cash flow of -140,87M
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 36,07%
Capital efficient — spends only 4,18% of revenue on capex
Groei
Revenue Growth (5Y)
9,07%
Revenue (1Y)45,14%
Earnings (1Y)-28,64%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
10,37%
ROIC4,35%
Net Margin12,89%
Op. Margin15,83%
Veiligheid
Debt / Equity
1,14
Current Ratio57,54
Interest Coverage0,55
Waardering
P/E Ratio
20,40
P/B Ratio2,06
EV/EBITDA17,70
Dividend Yield0,04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 45,14% | Revenue Growth (3Y) | 32,14% |
| Earnings Growth (1Y) | -28,64% | Earnings Growth (3Y) | 26,75% |
| Revenue Growth (5Y) | 9,07% | Earnings Growth (5Y) | -9,39% |
| Profitability | |||
| Revenue (TTM) | 5,66B | Net Income (TTM) | 729,37M |
| ROE | 10,37% | ROA | 0,68% |
| Gross Margin | 67,65% | Operating Margin | 15,83% |
| Net Margin | 12,89% | Free Cash Flow (TTM) | -140,87M |
| ROIC | 4,35% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1,14 | Current Ratio | 57,54 |
| Interest Coverage | 0,55 | Dividend Yield | 0,04% |
| Valuation | |||
| P/E Ratio | 20,40 | P/B Ratio | 2,06 |
| P/S Ratio | 2,63 | PEG Ratio | -0,60 |
| EV/EBITDA | 17,70 | Dividend Yield | 0,04% |
| Market Cap | 14,88B | Enterprise Value | 15,85B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 5,66B | 3,90B | 3,24B | 4,30B | 4,00B |
| Net Income | 729,37M | 1,02B | 454,00M | 949,60M | 1,08B |
| EPS (Diluted) | 0,71 | 0,99 | 0,44 | 0,91 | 1,01 |
| Gross Profit | 3,83B | 3,90B | 813,40M | 3,85B | 3,87B |
| Operating Income | 895,45M | 1,07B | 655,90M | 1,30B | 1,26B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 107,61B | 105,07B | 96,79B | 105,64B | 116,31B |
| Total Liabilities | 100,37B | 98,24B | 90,62B | 99,35B | 109,56B |
| Shareholders' Equity | 7,24B | 6,83B | 6,16B | 6,29B | 6,73B |
| Total Debt | 8,22B | 20,60B | 6,05B | 14,05B | 16,87B |
| Cash & Equivalents | 7,25B | 13,78B | 13,54B | 18,91B | 25,80B |
| Current Assets | 25,22B | 13,78B | 16,22B | 32,50B | 39,96B |
| Current Liabilities | 438,30M | 73,97B | 11,21B | 8,30B | 8,91B |