Terug
Dagbereik
€ 141,00
€ 145,07
52-Weeksbereik
€ 136,57
€ 210,64
Volume
69.560
50D / 200D Gem.
€ 165,25
/
€ 175,80
Vorige Slotkoers
€ 145,47
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (857 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 7,5 | 10,2 |
| P/B | 0,9 | 1,1 |
| ROE % | 12,9 | 11,7 |
| Net Margin % | 15,7 | 16,8 |
| Rev Growth 5Y % | 31,0 | 11,7 |
| D/E | 17,9 | 0,5 |
Koersdoel Analisten
Hold
€ 233,00
+64.5%
Forward K/W
7,66
Forward WPA
€ 18,86
WPA Groei (sch.)
+0,0%
Omzet Sch.
460,27M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 20,82
€ 19,63 – € 21,99
|
510,42M | 2 |
| FY2026 |
€ 18,86
€ 18,36 – € 19,37
|
460,27M | 2 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-19 | € 4,53 | € 3,66 | -19,2% |
| 2025-11-03 | € 4,43 | € 4,52 | +2,0% |
| 2025-08-07 | € 4,29 | € 4,32 | +0,7% |
| 2025-05-09 | € 4,00 | € 4,19 | +4,8% |
| 2025-02-21 | € 4,17 | € 3,97 | -4,8% |
| 2024-11-04 | € 4,11 | € 4,10 | -0,2% |
| 2024-08-05 | € 4,08 | € 3,63 | -11,0% |
| 2024-05-06 | € 4,06 | € 3,96 | -2,5% |
Dividend History
7 yr streakYield
0,05%
Payout Ratio
0,43%
Growth (3Y)
16,45%
Growth (5Y)
13,40%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 16, 2026 | Mar 31, 2026 | € 1,60 | 4,07% |
| Dec 15, 2025 | Dec 31, 2025 | € 1,50 | 3,36% |
| Sep 15, 2025 | Sep 30, 2025 | € 1,50 | 3,08% |
| Jun 16, 2025 | Jun 30, 2025 | € 1,50 | 3,11% |
| Mar 14, 2025 | Mar 31, 2025 | € 1,50 | 2,92% |
| Dec 16, 2024 | Dec 31, 2024 | € 1,40 | 2,67% |
| Sep 16, 2024 | Sep 30, 2024 | € 1,40 | 2,84% |
| Jun 14, 2024 | Jun 28, 2024 | € 1,40 | 2,95% |
| Mar 14, 2024 | Mar 28, 2024 | € 1,40 | 2,54% |
| Dec 14, 2023 | Dec 29, 2023 | € 1,10 | 2,41% |
| Sep 14, 2023 | Sep 29, 2023 | € 1,10 | 2,57% |
| Jun 15, 2023 | Jun 30, 2023 | € 1,10 | 2,74% |
| Mar 15, 2023 | Mar 31, 2023 | € 1,10 | 3,14% |
| Dec 14, 2022 | Dec 30, 2022 | € 0,95 | 3,24% |
| Sep 14, 2022 | Sep 30, 2022 | € 0,95 | 3,59% |
| Jun 14, 2022 | Jun 30, 2022 | € 0,95 | 3,99% |
| Mar 15, 2022 | Mar 31, 2022 | € 0,95 | 2,79% |
| Dec 14, 2021 | Dec 31, 2021 | € 0,88 | 2,99% |
| Sep 14, 2021 | Sep 30, 2021 | € 0,88 | 3,54% |
| Jun 14, 2021 | Jun 30, 2021 | € 0,88 | 3,31% |
Belangrijkste Punten
Revenue grew 31,00% annually over 5 years — strong growth
ROE of 12,93% — decent returns on equity
Net margin of 15,73% shows strong profitability
Debt/Equity of 17,93 — high leverage
Generating 80,06M in free cash flow
P/E of 7,45 — trading at a low valuation
Groei
Revenue Growth (5Y)
31,00%
Revenue (1Y)-18,86%
Earnings (1Y)0,10%
FCF Growth (3Y)-53,84%
Kwaliteit
Return on Equity
12,93%
ROIC0,59%
Net Margin15,73%
Op. Margin19,40%
Veiligheid
Debt / Equity
17,93
Current Ratio0,12
Interest Coverage0,28
Waardering
P/E Ratio
7,45
Forward P/E7,66
P/B Ratio0,90
EV/EBITDA122,94
Dividend Yield0,05%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -18,86% | Revenue Growth (3Y) | -3,51% |
| Earnings Growth (1Y) | 0,10% | Earnings Growth (3Y) | 1,83% |
| Revenue Growth (5Y) | 31,00% | Earnings Growth (5Y) | 11,11% |
| Profitability | |||
| Revenue (TTM) | 1,32B | Net Income (TTM) | 207,39M |
| ROE | 12,93% | ROA | 0,58% |
| Gross Margin | 29,47% | Operating Margin | 19,40% |
| Net Margin | 15,73% | Free Cash Flow (TTM) | 80,06M |
| ROIC | 0,59% | FCF Growth (3Y) | -53,84% |
| Safety | |||
| Debt / Equity | 17,93 | Current Ratio | 0,12 |
| Interest Coverage | 0,28 | ||
| Dividends | |||
| Dividend Yield | 0,05% | Payout Ratio | 0,43% |
| Dividend Growth (3Y) | 16,45% | Dividend Growth (5Y) | 13,40% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 7,45 | Forward P/E | 7,66 |
| P/B Ratio | 0,90 | P/S Ratio | 1,17 |
| PEG Ratio | 10,95 | Forward PEG | N/A |
| EV/EBITDA | 122,94 | Fwd EV/EBITDA | 280,85 |
| Forward P/S | 3,36 | Fwd Earnings Yield | 13,05% |
| FCF Yield | 5,18% | ||
| Market Cap | 1,55B | Enterprise Value | 31,44B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,32B | 1,62B | 1,42B | 755,02M | 447,70M |
| Net Income | 207,39M | 207,19M | 200,00M | 178,14M | 136,09M |
| EPS (Diluted) | 16,62 | 16,44 | 15,80 | 13,87 | 10,27 |
| Gross Profit | 388,56M | 363,69M | 350,20M | 308,31M | 245,88M |
| Operating Income | 255,72M | 258,10M | 253,10M | 225,68M | 172,46M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 35,51B | 31,32B | 29,52B | 27,33B | 25,12B |
| Total Liabilities | 33,79B | 29,84B | 28,11B | 26,06B | 23,91B |
| Shareholders' Equity | 1,72B | 1,49B | 1,41B | 1,27B | 1,21B |
| Total Debt | 30,82B | 29,30B | 27,69B | 25,65B | 23,70B |
| Cash & Equivalents | 931,07M | 1,01B | 883,60M | 861,00M | 908,79M |
| Current Assets | 1,35B | 12,84B | 11,67B | 13,59B | 11,33B |
| Current Liabilities | 11,27B | 10,85B | 8,35B | 8,22B | 7,12B |