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Fourchette du Jour
106,29 €
108,62 €
Fourchette 52 Semaines
96,95 €
119,32 €
Volume
2 235 789
Moyenne 50J / 200J
111,27 €
/
108,18 €
Clôture Précédente
106,22 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 15,1 | 10,3 |
| P/B | 1,9 | 1,1 |
| ROE % | 13,1 | 11,7 |
| Net Margin % | 20,9 | 16,8 |
| Rev Growth 5Y % | -5,2 | 11,7 |
| D/E | 0,3 | 0,5 |
Objectif de Cours des Analystes
Hold
113,83 €
+6.7%
Low: 101,00 €
High: 125,00 €
P/E Prévisionnel
14,5
BPA Prévisionnel
7,35 €
Croissance BPA (est.)
+0,0%
CA Est.
17 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2029 |
8,85 €
8,62 € – 8,99 €
|
18 B | 2 |
| FY2028 |
8,16 €
7,97 € – 8,29 €
|
17 B | 4 |
| FY2027 |
7,77 €
7,58 € – 7,96 €
|
17 B | 7 |
Points Clés
Revenue declined -5,15% annually over 5 years
Earnings declined -33,01% over the past year
ROE of 13,12% — decent returns on equity
Net margin of 20,91% shows strong profitability
Debt/Equity of 0,29 — conservative balance sheet
Generating 2,56B in free cash flow
Croissance
Revenue Growth (5Y)
-5,15%
Revenue (1Y)-8,84%
Earnings (1Y)-33,01%
FCF Growth (3Y)-10,50%
Qualité
Return on Equity
13,12%
ROIC9,18%
Net Margin20,91%
Op. Margin26,61%
Sécurité
Debt / Equity
0,29
Current RatioN/A
Interest Coverage21,10
Valorisation
P/E Ratio
15,10
P/B Ratio1,87
EV/EBITDA12,33
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -8,84% | Revenue Growth (3Y) | -3,80% |
| Earnings Growth (1Y) | -33,01% | Earnings Growth (3Y) | -11,54% |
| Revenue Growth (5Y) | -5,15% | Earnings Growth (5Y) | -3,65% |
| Profitability | |||
| Revenue (TTM) | 17,44B | Net Income (TTM) | 3,65B |
| ROE | 13,12% | ROA | 3,13% |
| Gross Margin | 38,93% | Operating Margin | 26,61% |
| Net Margin | 20,91% | Free Cash Flow (TTM) | 2,56B |
| ROIC | 9,18% | FCF Growth (3Y) | -10,50% |
| Safety | |||
| Debt / Equity | 0,29 | Current Ratio | N/A |
| Interest Coverage | 21,10 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 15,10 | P/B Ratio | 1,87 |
| P/S Ratio | 3,16 | PEG Ratio | -0,55 |
| EV/EBITDA | 12,33 | Dividend Yield | 0,02% |
| Market Cap | 55,07B | Enterprise Value | 57,23B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 17,44B | 19,13B | 18,84B | 19,15B | 21,55B |
| Net Income | 3,65B | 5,44B | 4,66B | 4,42B | 4,23B |
| EPS (Diluted) | 6,83 | 9,63 | 7,78 | 6,93 | 6,39 |
| Gross Profit | 6,79B | 6,82B | 18,84B | 19,15B | 21,55B |
| Operating Income | 4,64B | 6,42B | 5,26B | 4,87B | 5,21B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 116,47B | 117,57B | 126,72B | 131,74B | 157,54B |
| Total Liabilities | 86,98B | 91,47B | 104,74B | 111,60B | 124,29B |
| Shareholders' Equity | 29,49B | 26,10B | 21,99B | 20,14B | 33,25B |
| Total Debt | 8,41B | 7,50B | 7,36B | 7,44B | 7,96B |
| Cash & Equivalents | 6,25B | 6,23B | 4,31B | 3,94B | 5,05B |
| Current Assets | 7,80B | 0,0 | 0,0 | 0,0 | 0,0 |
| Current Liabilities | 0,0 | 0,0 | 0,0 | 0,0 | 0,0 |