Terug
Dagbereik
€ 125,25
€ 129,26
52-Weeksbereik
€ 114,73
€ 150,02
Volume
271.582
50D / 200D Gem.
€ 129,89
/
€ 132,69
Vorige Slotkoers
€ 128,93
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (857 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 12,4 | 10,2 |
| P/B | 2,2 | 1,1 |
| ROE % | 18,1 | 11,7 |
| Net Margin % | 10,3 | 16,8 |
| Rev Growth 5Y % | 7,0 | 11,7 |
| D/E | 0,4 | 0,5 |
Koersdoel Analisten
Hold
€ 153,50
+22.0%
Low: € 142,00
High: € 165,00
Forward K/W
11,46
Forward WPA
€ 11,07
WPA Groei (sch.)
+0,0%
Omzet Sch.
7,58B
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2028 |
€ 12,98
€ 12,88 – € 13,13
|
8,50B | 1 |
| FY2027 |
€ 12,10
€ 11,95 – € 12,26
|
7,92B | 4 |
| FY2026 |
€ 11,07
€ 10,99 – € 11,21
|
7,58B | 4 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-03 | € 3,27 | € 3,65 | +11,6% |
| 2025-11-04 | € 2,52 | € 2,69 | +6,7% |
| 2025-08-05 | € 2,08 | € 2,14 | +2,9% |
| 2025-05-06 | € 2,03 | € 1,81 | -10,8% |
| 2025-02-04 | € 3,15 | € 3,12 | -1,0% |
| 2024-11-05 | € 2,47 | € 2,31 | -6,5% |
| 2024-08-06 | € 2,45 | € 2,56 | +4,5% |
| 2024-05-01 | € 2,70 | € 2,76 | +2,2% |
Dividend History
7 yr streakYield
0,05%
Payout Ratio
0,72%
Growth (3Y)
-20,17%
Growth (5Y)
13,59%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 13, 2026 | Feb 25, 2026 | € 1,50 | 6,87% |
| Jan 15, 2026 | Jan 27, 2026 | € 0,88 | 5,58% |
| Nov 17, 2025 | Nov 26, 2025 | € 2,00 | 5,24% |
| Oct 15, 2025 | Oct 24, 2025 | € 0,88 | 6,80% |
| Jul 15, 2025 | Jul 25, 2025 | € 0,80 | 7,30% |
| Apr 15, 2025 | Apr 25, 2025 | € 0,80 | 7,17% |
| Mar 17, 2025 | Mar 28, 2025 | € 2,00 | 7,13% |
| Jan 14, 2025 | Jan 24, 2025 | € 0,80 | 7,10% |
| Nov 15, 2024 | Nov 26, 2024 | € 4,00 | 6,84% |
| Oct 15, 2024 | Oct 25, 2024 | € 0,80 | 5,14% |
| Jul 15, 2024 | Jul 25, 2024 | € 0,71 | 5,40% |
| Apr 12, 2024 | Apr 25, 2024 | € 0,71 | 5,31% |
| Feb 15, 2024 | Feb 28, 2024 | € 2,50 | 5,41% |
| Jan 11, 2024 | Jan 25, 2024 | € 0,71 | 6,84% |
| Nov 10, 2023 | Nov 22, 2023 | € 1,50 | 7,47% |
| Oct 12, 2023 | Oct 25, 2023 | € 0,71 | 7,85% |
| Jul 13, 2023 | Jul 25, 2023 | € 0,63 | 7,29% |
| Apr 13, 2023 | Apr 25, 2023 | € 0,63 | 13,53% |
| Feb 14, 2023 | Feb 28, 2023 | € 4,00 | 13,98% |
| Jan 12, 2023 | Jan 25, 2023 | € 0,63 | 10,18% |
Belangrijkste Punten
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 12,44 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 8,28%
Groei
Revenue Growth (5Y)
7,02%
Revenue (1Y)-1,26%
Earnings (1Y)-5,07%
FCF Growth (3Y)-14,18%
Kwaliteit
Return on Equity
18,13%
ROIC11,74%
Net Margin10,30%
Op. Margin13,13%
Veiligheid
Debt / Equity
0,42
Current Ratio1,25
Interest Coverage13,41
Waardering
P/E Ratio
12,44
Forward P/E11,46
P/B Ratio2,17
EV/EBITDA10,05
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 | ||
| Dividends | |||
| Dividend Yield | 0,05% | Payout Ratio | 0,72% |
| Dividend Growth (3Y) | -20,17% | Dividend Growth (5Y) | 13,59% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 12,44 | Forward P/E | 11,46 |
| P/B Ratio | 2,17 | P/S Ratio | 1,28 |
| PEG Ratio | -2,77 | Forward PEG | N/A |
| EV/EBITDA | 10,05 | Fwd EV/EBITDA | 7,75 |
| Forward P/S | 1,38 | Fwd Earnings Yield | 8,73% |
| FCF Yield | 13,34% | ||
| Market Cap | 10,48B | Enterprise Value | 10,79B |
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 |