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Fourchette du Jour
23,75 €
24,44 €
Fourchette 52 Semaines
15,78 €
26,32 €
Volume
111 393
Moyenne 50J / 200J
24,37 €
/
22,56 €
Clôture Précédente
24,01 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 35,1 | 10,3 |
| P/B | 1,1 | 1,1 |
| ROE % | 3,3 | 11,6 |
| Net Margin % | 5,3 | 16,8 |
| Rev Growth 5Y % | 8,6 | 11,6 |
| D/E | 0,8 | 0,5 |
Objectif de Cours des Analystes
Hold
29,00 €
+20.4%
P/E Prévisionnel
9,2
BPA Prévisionnel
2,61 €
Croissance BPA (est.)
+0,0%
CA Est.
310 M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
2,76 €
2,60 € – 2,87 €
|
320 M | 4 |
| FY2026 |
2,61 €
2,47 € – 2,75 €
|
310 M | 4 |
Points Clés
Revenue grew 8,59% annually over 5 years — modest growth
ROE of 3,29% is below average
Generating 58,83M in free cash flow
P/E of 35,09 — premium valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 11,67%
Cash machine — converts 337,35% of earnings into free cash flow
Croissance
Revenue Growth (5Y)
8,59%
Revenue (1Y)-3,08%
Earnings (1Y)-1,92%
FCF Growth (3Y)51,27%
Qualité
Return on Equity
3,29%
ROIC1,69%
Net Margin5,32%
Op. Margin6,89%
Sécurité
Debt / Equity
0,78
Current Ratio0,29
Interest Coverage0,21
Valorisation
P/E Ratio
35,09
P/B Ratio1,08
EV/EBITDA43,61
Dividend Yield0,04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -3,08% | Revenue Growth (3Y) | 16,09% |
| Earnings Growth (1Y) | -1,92% | Earnings Growth (3Y) | 22,11% |
| Revenue Growth (5Y) | 8,59% | Earnings Growth (5Y) | -24,15% |
| Profitability | |||
| Revenue (TTM) | 327,86M | Net Income (TTM) | 17,44M |
| ROE | 3,29% | ROA | 0,33% |
| Gross Margin | 67,15% | Operating Margin | 6,89% |
| Net Margin | 5,32% | Free Cash Flow (TTM) | 58,83M |
| ROIC | 1,69% | FCF Growth (3Y) | 51,27% |
| Safety | |||
| Debt / Equity | 0,78 | Current Ratio | 0,29 |
| Interest Coverage | 0,21 | Dividend Yield | 0,04% |
| Valuation | |||
| P/E Ratio | 35,09 | P/B Ratio | 1,08 |
| P/S Ratio | 1,87 | PEG Ratio | -1,84 |
| EV/EBITDA | 43,61 | Dividend Yield | 0,04% |
| Market Cap | 611,91M | Enterprise Value | 985,27M |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 327,86M | 338,29M | 243,26M | 224,58M | 235,79M |
| Net Income | 17,44M | 17,78M | 11,70M | 40,01M | 52,68M |
| EPS (Diluted) | 0,68 | 0,83 | 0,58 | 2,10 | 2,97 |
| Gross Profit | 220,16M | 205,61M | 164,16M | 208,77M | 233,74M |
| Operating Income | 22,59M | 23,16M | 15,85M | 52,18M | 69,08M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 5,23B | 5,26B | 3,91B | 3,78B | 3,39B |
| Total Liabilities | 4,67B | 4,77B | 3,54B | 3,42B | 3,03B |
| Shareholders' Equity | 564,93M | 495,41M | 369,13M | 356,87M | 359,40M |
| Total Debt | 440,55M | 317,02M | 378,88M | 442,83M | 63,21M |
| Cash & Equivalents | 67,19M | 61,24M | 129,89M | 58,24M | 242,31M |
| Current Assets | 88,93M | 716,66M | 679,68M | 830,39M | 1,13B |
| Current Liabilities | 308,80M | 4,62B | 3,41B | 3,36B | 2,97B |