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Fourchette du Jour
126,86 €
128,21 €
Fourchette 52 Semaines
114,73 €
150,02 €
Volume
378 635
Moyenne 50J / 200J
129,89 €
/
132,69 €
Clôture Précédente
127,32 €
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 | 2,2 | 1,1 |
| ROE % | 18,1 | 11,7 |
| Net Margin % | 10,3 | 16,9 |
| Rev Growth 5Y % | 7,0 | 11,6 |
| D/E | 0,4 | 0,5 |
Objectif de Cours des Analystes
Hold
153,50 €
+20.2%
Low: 142,00 €
High: 165,00 €
P/E Prévisionnel
11,5
BPA Prévisionnel
11,07 €
Croissance BPA (est.)
+0,0%
CA Est.
7,6 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
12,98 €
12,88 € – 13,13 €
|
8,5 B | 1 |
| FY2027 |
12,10 €
11,95 € – 12,26 €
|
7,9 B | 4 |
| FY2026 |
11,07 €
10,99 € – 11,21 €
|
7,6 B | 4 |
Points Clés
Revenue grew 7,02% annually over 5 years — modest growth
ROE of 18,13% — decent returns on equity
Debt/Equity of 0,42 — conservative balance sheet
Generating 1,40B in free cash flow
P/E of 12,64 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 8,28%
Croissance
Revenue Growth (5Y)
7,02%
Revenue (1Y)-1,26%
Earnings (1Y)-5,07%
FCF Growth (3Y)-14,18%
Qualité
Return on Equity
18,13%
ROIC11,74%
Net Margin10,30%
Op. Margin13,13%
Sécurité
Debt / Equity
0,42
Current Ratio1,25
Interest Coverage13,41
Valorisation
P/E Ratio
12,64
P/B Ratio2,21
EV/EBITDA10,20
Dividend Yield0,05%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -1,26% | Revenue Growth (3Y) | 2,85% |
| Earnings Growth (1Y) | -5,07% | Earnings Growth (3Y) | -0,59% |
| Revenue Growth (5Y) | 7,02% | Earnings Growth (5Y) | -19,40% |
| Profitability | |||
| Revenue (TTM) | 8,17B | Net Income (TTM) | 842,00M |
| ROE | 18,13% | ROA | 3,18% |
| Gross Margin | 46,32% | Operating Margin | 13,13% |
| Net Margin | 10,30% | Free Cash Flow (TTM) | 1,40B |
| ROIC | 11,74% | FCF Growth (3Y) | -14,18% |
| Safety | |||
| Debt / Equity | 0,42 | Current Ratio | 1,25 |
| Interest Coverage | 13,41 | Dividend Yield | 0,05% |
| Valuation | |||
| P/E Ratio | 12,64 | P/B Ratio | 2,21 |
| P/S Ratio | 1,30 | PEG Ratio | -2,77 |
| EV/EBITDA | 10,20 | Dividend Yield | 0,05% |
| Market Cap | 10,64B | Enterprise Value | 10,95B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 8,17B | 8,28B | 7,73B | 6,77B | 6,23B |
| Net Income | 842,00M | 887,00M | 852,00M | 898,00M | 2,00B |
| EPS (Diluted) | 10,08 | 10,57 | 10,05 | 10,53 | 23,30 |
| Gross Profit | 3,79B | 1,47B | 1,36B | 1,20B | 1,37B |
| Operating Income | 1,07B | 1,12B | 1,07B | 1,12B | 1,34B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 26,50B | 25,01B | 24,62B | 24,09B | 24,89B |
| Total Liabilities | 24,37B | 20,54B | 20,36B | 20,04B | 19,87B |
| Shareholders' Equity | 4,82B | 4,47B | 4,26B | 4,05B | 5,01B |
| Total Debt | 2,04B | 1,90B | 1,83B | 1,69B | 2,20B |
| Cash & Equivalents | 1,73B | 1,41B | 1,23B | 872,00M | 2,13B |
| Current Assets | 3,37B | 2,94B | 2,70B | 2,21B | 3,40B |
| Current Liabilities | 2,69B | 2,61B | 2,53B | 2,37B | 2,25B |