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Fourchette du Jour
39,22 €
40,27 €
Fourchette 52 Semaines
29,07 €
49,57 €
Volume
5 301 599
Moyenne 50J / 200J
44,71 €
/
44,47 €
Clôture Précédente
39,23 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 68,3 | 10,3 |
| P/B | 1,9 | 1,1 |
| ROE % | 2,8 | 11,6 |
| Net Margin % | 1,7 | 16,8 |
| Rev Growth 5Y % | 0,1 | 11,6 |
| D/E | 6,5 | 0,5 |
Objectif de Cours des Analystes
Hold
54,20 €
+35.8%
Low: 49,00 €
High: 60,00 €
P/E Prévisionnel
14,42
BPA Prévisionnel
2,77 €
Croissance BPA (est.)
+0,0%
CA Est.
9,34B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
4,67 €
3,98 € – 5,35 €
|
10,52B | 1 |
| FY2027 |
3,37 €
3,19 € – 3,47 €
|
10,80B | 1 |
| FY2026 |
2,77 €
2,71 € – 2,88 €
|
9,34B | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-12 | 0,61 € | 0,67 € | +9,8% |
| 2025-11-13 | 0,59 € | 0,63 € | +6,2% |
| 2025-08-07 | 0,59 € | 0,59 € | -0,5% |
| 2025-05-08 | 0,57 € | 0,65 € | +14,6% |
| 2025-03-22 | N/A | 0,18 € | — |
| 2024-11-14 | 0,55 € | 0,56 € | +1,3% |
| 2024-08-08 | 0,51 € | 0,90 € | +76,5% |
| 2024-05-09 | 0,47 € | 0,51 € | +8,6% |
Dividend History
7 yr streakYield
0,01%
Payout Ratio
0,46%
Growth (3Y)
-16,16%
Growth (5Y)
-1,73%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 17, 2026 | Mar 31, 2026 | 0,07 € | 0,63% |
| Dec 16, 2025 | Dec 31, 2025 | 0,06 € | 0,53% |
| Sep 12, 2025 | Sep 29, 2025 | 0,09 € | 0,52% |
| Jun 13, 2025 | Jun 30, 2025 | 0,09 € | 0,59% |
| Mar 14, 2025 | Mar 31, 2025 | 0,09 € | 0,65% |
| Dec 16, 2024 | Dec 31, 2024 | 0,08 € | 0,54% |
| Sep 12, 2024 | Sep 27, 2024 | 0,08 € | 0,63% |
| Jun 13, 2024 | Jun 28, 2024 | 0,08 € | 0,73% |
| Mar 12, 2024 | Mar 28, 2024 | 0,08 € | 0,69% |
| Nov 29, 2023 | Dec 29, 2023 | 0,07 € | 0,79% |
| Aug 30, 2023 | Sep 29, 2023 | 0,07 € | 0,95% |
| May 30, 2023 | Jun 30, 2023 | 0,07 € | 1,20% |
| Feb 27, 2023 | Mar 31, 2023 | 0,07 € | 1,22% |
| Nov 29, 2022 | Dec 30, 2022 | 0,14 € | 1,24% |
| Aug 30, 2022 | Sep 29, 2022 | 0,14 € | 1,12% |
| May 30, 2022 | Jun 30, 2022 | 0,14 € | 1,06% |
| Feb 25, 2022 | Mar 31, 2022 | 0,14 € | 0,96% |
| Nov 29, 2021 | Dec 31, 2021 | 0,13 € | 0,89% |
| Aug 30, 2021 | Sep 29, 2021 | 0,13 € | 0,89% |
| May 27, 2021 | Jun 30, 2021 | 0,13 € | 0,98% |
Points Clés
Revenue grew 0,13% annually over 5 years — modest growth
Earnings grew 103,90% over the past year
ROE of 2,79% is below average
Debt/Equity of 6,54 — high leverage
Negative free cash flow of 0,0
P/E of 68,31 — premium valuation
Croissance
Revenue Growth (5Y)
0,13%
Revenue (1Y)-11,49%
Earnings (1Y)103,90%
FCF Growth (3Y)N/A
Qualité
Return on Equity
2,79%
ROIC4,53%
Net Margin1,72%
Op. Margin28,60%
Sécurité
Debt / Equity
6,54
Current Ratio1,14
Interest Coverage1,21
Valorisation
P/E Ratio
68,31
Forward P/E14,42
P/B Ratio1,87
EV/EBITDA17,71
Dividend Yield0,01%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -11,49% | Revenue Growth (3Y) | -10,91% |
| Earnings Growth (1Y) | 103,90% | Earnings Growth (3Y) | 7,55% |
| Revenue Growth (5Y) | 0,13% | Earnings Growth (5Y) | -24,23% |
| Profitability | |||
| Revenue (TTM) | 76,13B | Net Income (TTM) | 1,31B |
| ROE | 2,79% | ROA | 0,25% |
| Gross Margin | 38,80% | Operating Margin | 28,60% |
| Net Margin | 1,72% | Free Cash Flow (TTM) | 0,0 |
| ROIC | 4,53% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 6,54 | Current Ratio | 1,14 |
| Interest Coverage | 1,21 | ||
| Dividends | |||
| Dividend Yield | 0,01% | Payout Ratio | 0,46% |
| Dividend Growth (3Y) | -16,16% | Dividend Growth (5Y) | -1,73% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 68,31 | Forward P/E | 14,42 |
| P/B Ratio | 1,87 | P/S Ratio | 1,17 |
| PEG Ratio | 0,58 | Forward PEG | N/A |
| EV/EBITDA | 17,71 | Fwd EV/EBITDA | 118,73 |
| Forward P/S | 9,56 | Fwd Earnings Yield | 6,93% |
| FCF Yield | 0,00% | ||
| Market Cap | 89,28B | Enterprise Value | 385,65B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 76,13B | 86,01B | 95,92B | 92,77B | 75,73B |
| Net Income | 1,31B | 641,00M | 1,13B | 2,06B | 3,97B |
| EPS (Diluted) | 0,50 | 0,21 | 0,41 | 0,79 | 1,59 |
| Gross Profit | 29,53B | 18,07B | 14,52B | 14,26B | 11,73B |
| Operating Income | 21,78B | 17,99B | 14,45B | 14,14B | 11,62B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 518,97B | 490,42B | 490,10B | 441,28B | 391,00B |
| Total Liabilities | 352,78B | 325,04B | 321,85B | 299,39B | 256,26B |
| Shareholders' Equity | 47,80B | 45,98B | 45,78B | 43,75B | 46,36B |
| Total Debt | 312,61B | 234,79B | 233,71B | 214,07B | 175,93B |
| Cash & Equivalents | 16,24B | 15,05B | 11,22B | 14,40B | 12,69B |
| Current Assets | 71,38B | 56,18B | 46,70B | 53,39B | 56,27B |
| Current Liabilities | 62,35B | 86,12B | 91,13B | 77,75B | 65,08B |