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Fourchette du Jour
37,80 €
38,98 €
Fourchette 52 Semaines
25,03 €
42,66 €
Volume
103 093
Moyenne 50J / 200J
38,24 €
/
31,79 €
Clôture Précédente
38,17 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 11,1 | 10,3 |
| P/B | 1,5 | 1,1 |
| ROE % | 13,9 | 11,7 |
| Net Margin % | 23,0 | 16,9 |
| Rev Growth 5Y % | 21,5 | 11,6 |
| D/E | 0,1 | 0,5 |
Objectif de Cours des Analystes
Hold
27,00 €
-30.0%
P/E Prévisionnel
9,4
BPA Prévisionnel
4,08 €
Croissance BPA (est.)
+0,0%
CA Est.
370 M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
4,51 €
4,50 € – 4,52 €
|
390 M | 1 |
| FY2026 |
4,08 €
4,07 € – 4,09 €
|
370 M | 1 |
Points Clés
Revenue grew 21,51% annually over 5 years — strong growth
ROE of 13,91% — decent returns on equity
Net margin of 22,95% shows strong profitability
Debt/Equity of 0,12 — conservative balance sheet
Generating 134,40M in free cash flow
P/E of 11,05 — trading at a low valuation
Croissance
Revenue Growth (5Y)
21,51%
Revenue (1Y)4,52%
Earnings (1Y)-1,87%
FCF Growth (3Y)7,76%
Qualité
Return on Equity
13,91%
ROIC11,83%
Net Margin22,95%
Op. Margin30,79%
Sécurité
Debt / Equity
0,12
Current Ratio12,77
Interest Coverage1,13
Valorisation
P/E Ratio
11,05
P/B Ratio1,45
EV/EBITDA8,88
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 4,52% | Revenue Growth (3Y) | 9,07% |
| Earnings Growth (1Y) | -1,87% | Earnings Growth (3Y) | 8,96% |
| Revenue Growth (5Y) | 21,51% | Earnings Growth (5Y) | 18,52% |
| Profitability | |||
| Revenue (TTM) | 455,03M | Net Income (TTM) | 104,45M |
| ROE | 13,91% | ROA | 1,18% |
| Gross Margin | 70,28% | Operating Margin | 30,79% |
| Net Margin | 22,95% | Free Cash Flow (TTM) | 134,40M |
| ROIC | 11,83% | FCF Growth (3Y) | 7,76% |
| Safety | |||
| Debt / Equity | 0,12 | Current Ratio | 12,77 |
| Interest Coverage | 1,13 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 11,05 | P/B Ratio | 1,45 |
| P/S Ratio | 2,54 | PEG Ratio | -10,65 |
| EV/EBITDA | 8,88 | Dividend Yield | 0,02% |
| Market Cap | 1,15B | Enterprise Value | 1,24B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 455,03M | 435,34M | 382,48M | 285,16M | 208,77M |
| Net Income | 104,45M | 106,43M | 87,98M | 81,48M | 52,94M |
| EPS (Diluted) | 3,41 | 3,44 | 2,86 | 2,61 | 1,68 |
| Gross Profit | 319,80M | 306,19M | 271,05M | 251,51M | 202,83M |
| Operating Income | 140,10M | 145,32M | 124,73M | 108,16M | 70,73M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 8,87B | 8,26B | 7,97B | 7,84B | 7,08B |
| Total Liabilities | 8,08B | 7,55B | 7,39B | 7,33B | 6,51B |
| Shareholders' Equity | 794,46M | 707,65M | 585,23M | 508,82M | 563,74M |
| Total Debt | 94,06M | 334,14M | 335,57M | 698,49M | 131,99M |
| Cash & Equivalents | 4,50M | 60,75M | 90,17M | 63,54M | 330,49M |
| Current Assets | 118,29M | 1,75B | 1,63B | 1,92B | 2,47B |
| Current Liabilities | 9,26M | 7,18B | 7,01B | 6,60B | 6,36B |