Terug
Dagbereik
€ 106,10
€ 107,51
52-Weeksbereik
€ 97,02
€ 138,77
Volume
96.905
50D / 200D Gem.
€ 111,89
/
€ 118,65
Vorige Slotkoers
€ 108,35
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (857 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 14,9 | 10,2 |
| P/B | 1,9 | 1,1 |
| ROE % | 13,9 | 11,7 |
| Net Margin % | 29,2 | 16,8 |
| Rev Growth 5Y % | 13,5 | 11,7 |
| D/E | 0,1 | 0,5 |
Koersdoel Analisten
Hold
€ 95,00
-11.0%
Forward K/W
15,25
Forward WPA
€ 7,00
WPA Groei (sch.)
+0,0%
Omzet Sch.
712,45M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 7,14
€ 6,85 – € 7,42
|
740,40M | 2 |
| FY2026 |
€ 7,00
€ 6,87 – € 7,13
|
712,45M | 2 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-22 | € 1,79 | € 1,75 | -2,2% |
| 2025-10-17 | € 1,86 | € 1,85 | -0,5% |
| 2025-07-17 | € 1,67 | € 1,85 | +10,8% |
| 2025-04-17 | € 1,58 | € 1,67 | +5,7% |
| 2025-01-23 | € 1,61 | € 1,68 | +4,3% |
| 2024-10-17 | € 1,58 | € 1,75 | +10,8% |
| 2024-07-18 | € 1,42 | € 1,51 | +6,3% |
| 2024-04-18 | € 1,39 | € 1,50 | +7,9% |
Dividend History
7 yr streakYield
0,02%
Payout Ratio
0,26%
Growth (3Y)
7,72%
Growth (5Y)
7,56%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 31, 2026 | Apr 15, 2026 | € 0,49 | 1,81% |
| Dec 31, 2025 | Jan 15, 2026 | € 0,49 | 1,79% |
| Sep 30, 2025 | Oct 15, 2025 | € 0,49 | 1,48% |
| Jun 30, 2025 | Jul 15, 2025 | € 0,46 | 1,49% |
| Mar 31, 2025 | Apr 15, 2025 | € 0,46 | 1,65% |
| Dec 31, 2024 | Jan 15, 2025 | € 0,46 | 1,52% |
| Sep 30, 2024 | Oct 15, 2024 | € 0,46 | 1,66% |
| Jun 28, 2024 | Jul 15, 2024 | € 0,43 | 1,96% |
| Mar 27, 2024 | Apr 15, 2024 | € 0,43 | 1,93% |
| Dec 28, 2023 | Jan 16, 2024 | € 0,43 | 1,67% |
| Sep 28, 2023 | Oct 16, 2023 | € 0,43 | 1,87% |
| Jun 29, 2023 | Jul 17, 2023 | € 0,40 | 1,74% |
| Mar 30, 2023 | Apr 17, 2023 | € 0,40 | 1,91% |
| Dec 29, 2022 | Jan 16, 2023 | € 0,40 | 1,72% |
| Sep 29, 2022 | Oct 17, 2022 | € 0,40 | 1,64% |
| Jun 29, 2022 | Jul 15, 2022 | € 0,36 | 1,50% |
| Mar 30, 2022 | Apr 15, 2022 | € 0,36 | 1,71% |
| Dec 30, 2021 | Jan 17, 2022 | € 0,36 | 1,99% |
| Sep 29, 2021 | Oct 15, 2021 | € 0,36 | 2,26% |
| Jun 29, 2021 | Jul 15, 2021 | € 0,34 | 2,18% |
Belangrijkste Punten
Revenue grew 13,48% annually over 5 years — strong growth
ROE of 13,85% — decent returns on equity
Net margin of 29,19% shows strong profitability
Debt/Equity of 0,07 — conservative balance sheet
Generating 285,28M in free cash flow
P/E of 14,88 — trading at a low valuation
Groei
Revenue Growth (5Y)
13,48%
Revenue (1Y)-9,29%
Earnings (1Y)11,21%
FCF Growth (3Y)16,40%
Kwaliteit
Return on Equity
13,85%
ROIC11,45%
Net Margin29,19%
Op. Margin36,80%
Veiligheid
Debt / Equity
0,07
Current Ratio20,32
Interest Coverage0,98
Waardering
P/E Ratio
14,88
Forward P/E15,25
P/B Ratio1,93
EV/EBITDA11,49
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -9,29% | Revenue Growth (3Y) | 0,92% |
| Earnings Growth (1Y) | 11,21% | Earnings Growth (3Y) | 6,42% |
| Revenue Growth (5Y) | 13,48% | Earnings Growth (5Y) | 9,46% |
| Profitability | |||
| Revenue (TTM) | 824,33M | Net Income (TTM) | 240,61M |
| ROE | 13,85% | ROA | 1,62% |
| Gross Margin | 82,91% | Operating Margin | 36,80% |
| Net Margin | 29,19% | Free Cash Flow (TTM) | 285,28M |
| ROIC | 11,45% | FCF Growth (3Y) | 16,40% |
| Safety | |||
| Debt / Equity | 0,07 | Current Ratio | 20,32 |
| Interest Coverage | 0,98 | ||
| Dividends | |||
| Dividend Yield | 0,02% | Payout Ratio | 0,26% |
| Dividend Growth (3Y) | 7,72% | Dividend Growth (5Y) | 7,56% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 14,88 | Forward P/E | 15,25 |
| P/B Ratio | 1,93 | P/S Ratio | 4,34 |
| PEG Ratio | 1,44 | Forward PEG | N/A |
| EV/EBITDA | 11,49 | Fwd EV/EBITDA | 12,40 |
| Forward P/S | 5,02 | Fwd Earnings Yield | 6,56% |
| FCF Yield | 7,97% | ||
| Market Cap | 3,58B | Enterprise Value | 3,49B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 824,33M | 908,71M | 809,34M | 603,57M | 497,05M |
| Net Income | 240,61M | 216,35M | 212,47M | 193,10M | 167,63M |
| EPS (Diluted) | 7,12 | 6,44 | 6,34 | 5,77 | 5,03 |
| Gross Profit | 683,43M | 622,45M | 602,41M | 547,34M | 494,38M |
| Operating Income | 303,38M | 275,28M | 269,95M | 237,43M | 208,40M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 14,87B | 13,55B | 12,37B | 12,39B | 9,41B |
| Total Liabilities | 13,02B | 11,93B | 10,94B | 11,14B | 8,23B |
| Shareholders' Equity | 1,85B | 1,62B | 1,43B | 1,25B | 1,17B |
| Total Debt | 133,69M | 86,16M | 89,45M | 86,34M | 85,99M |
| Cash & Equivalents | 226,95M | 3,55B | 2,40B | 3,17B | 2,05B |
| Current Assets | 268,75M | 3,88B | 3,95B | 5,01B | 2,82B |
| Current Liabilities | 13,23M | 11,72B | 10,70B | 11,05B | 8,15B |