Terug
Dagbereik
€ 23,66
€ 24,38
52-Weeksbereik
€ 16,25
€ 28,32
Volume
4.354.218
50D / 200D Gem.
€ 26,13
/
€ 24,32
Vorige Slotkoers
€ 23,46
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 23,7 | 10,3 |
| P/B | 1,0 | 1,1 |
| ROE % | 4,3 | 11,7 |
| Net Margin % | 6,0 | 16,8 |
| Rev Growth 5Y % | 1,0 | 11,7 |
| D/E | 1,1 | 0,5 |
Koersdoel Analisten
Hold
€ 23,50
-1.7%
Low: € 22,00
High: € 25,00
Forward K/W
9,2
Forward WPA
€ 2,60
WPA Groei (sch.)
+0,0%
Omzet Sch.
7 B
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2029 |
€ 3,37
€ 3,21 – € 3,58
|
8,3 B | 1 |
| FY2028 |
€ 3,16
€ 3,01 – € 3,35
|
7,8 B | 1 |
| FY2027 |
€ 2,88
€ 2,60 – € 3,07
|
7,4 B | 7 |
Belangrijkste Punten
Revenue grew 1,01% annually over 5 years — modest growth
ROE of 4,27% is below average
Generating 911,60M in free cash flow
Cash machine — converts 173,67% of earnings into free cash flow
Capital efficient — spends only 1,76% of revenue on capex
ROIC of 1,79% — low return on invested capital
Groei
Revenue Growth (5Y)
1,01%
Revenue (1Y)3,45%
Earnings (1Y)12,93%
FCF Growth (3Y)-1,54%
Kwaliteit
Return on Equity
4,27%
ROIC1,79%
Net Margin5,98%
Op. Margin6,89%
Veiligheid
Debt / Equity
1,10
Current Ratio2,71
Interest Coverage6,37
Waardering
P/E Ratio
23,71
P/B Ratio1,03
EV/EBITDA36,70
Dividend Yield0,06%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 3,45% | Revenue Growth (3Y) | 5,71% |
| Earnings Growth (1Y) | 12,93% | Earnings Growth (3Y) | -22,89% |
| Revenue Growth (5Y) | 1,01% | Earnings Growth (5Y) | -26,83% |
| Profitability | |||
| Revenue (TTM) | 8,77B | Net Income (TTM) | 524,90M |
| ROE | 4,27% | ROA | 1,62% |
| Gross Margin | 80,34% | Operating Margin | 6,89% |
| Net Margin | 5,98% | Free Cash Flow (TTM) | 911,60M |
| ROIC | 1,79% | FCF Growth (3Y) | -1,54% |
| Safety | |||
| Debt / Equity | 1,10 | Current Ratio | 2,71 |
| Interest Coverage | 6,37 | Dividend Yield | 0,06% |
| Valuation | |||
| P/E Ratio | 23,71 | P/B Ratio | 1,03 |
| P/S Ratio | 1,42 | PEG Ratio | 3,21 |
| EV/EBITDA | 36,70 | Dividend Yield | 0,06% |
| Market Cap | 12,45B | Enterprise Value | 22,17B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 8,77B | 8,48B | 7,85B | 8,28B | 8,43B |
| Net Income | 524,90M | 464,80M | 882,80M | 1,29B | 1,83B |
| EPS (Diluted) | 0,91 | 0,85 | 1,72 | 2,53 | 3,57 |
| Gross Profit | 7,05B | 6,79B | 6,35B | 6,85B | 7,00B |
| Operating Income | 604,10M | 407,60M | 1,10B | 1,77B | 1,88B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 32,37B | 32,46B | 30,12B | 28,06B | 24,17B |
| Total Liabilities | 18,18B | 17,90B | 16,55B | 14,24B | 11,42B |
| Shareholders' Equity | 12,08B | 12,51B | 11,92B | 11,47B | 11,22B |
| Total Debt | 13,30B | 13,09B | 11,75B | 9,36B | 7,59B |
| Cash & Equivalents | 3,57B | 4,41B | 4,40B | 4,78B | 4,65B |
| Current Assets | 5,12B | 5,89B | 5,75B | 6,05B | 6,08B |
| Current Liabilities | 1,89B | 1,82B | 1,39B | 1,64B | 1,73B |