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Fourchette du Jour
124,63 €
128,59 €
Fourchette 52 Semaines
85,08 €
138,42 €
Volume
317 903
Moyenne 50J / 200J
129,44 €
/
113,40 €
Clôture Précédente
126,03 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 13,3 | 10,3 |
| P/B | 1,3 | 1,1 |
| ROE % | 10,1 | 11,6 |
| Net Margin % | 17,4 | 16,8 |
| Rev Growth 5Y % | 16,1 | 11,6 |
| D/E | 0,8 | 0,5 |
Objectif de Cours des Analystes
Hold
130,22 €
+2.9%
Low: 115,00 €
High: 140,00 €
P/E Prévisionnel
13,0
BPA Prévisionnel
9,67 €
Croissance BPA (est.)
+0,0%
CA Est.
2,3 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
10,09 €
9,99 € – 10,15 €
|
2,5 B | 3 |
| FY2027 |
10,21 €
10,12 € – 10,30 €
|
2,4 B | 6 |
| FY2026 |
9,67 €
9,59 € – 9,75 €
|
2,3 B | 6 |
Points Clés
Revenue grew 16,12% annually over 5 years — strong growth
ROE of 10,08% — decent returns on equity
Net margin of 17,38% shows strong profitability
Generating 575,64M in free cash flow
P/E of 13,29 — trading at a low valuation
PEG of 0,98 suggests growth is underpriced
Croissance
Revenue Growth (5Y)
16,12%
Revenue (1Y)-1,07%
Earnings (1Y)10,39%
FCF Growth (3Y)194,92%
Qualité
Return on Equity
10,08%
ROIC5,05%
Net Margin17,38%
Op. Margin21,39%
Sécurité
Debt / Equity
0,78
Current Ratio0,17
Interest Coverage0,59
Valorisation
P/E Ratio
13,29
P/B Ratio1,30
EV/EBITDA14,98
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -1,07% | Revenue Growth (3Y) | 4,51% |
| Earnings Growth (1Y) | 10,39% | Earnings Growth (3Y) | 4,36% |
| Revenue Growth (5Y) | 16,12% | Earnings Growth (5Y) | -1,66% |
| Profitability | |||
| Revenue (TTM) | 3,33B | Net Income (TTM) | 577,99M |
| ROE | 10,08% | ROA | 1,11% |
| Gross Margin | 63,74% | Operating Margin | 21,39% |
| Net Margin | 17,38% | Free Cash Flow (TTM) | 575,64M |
| ROIC | 5,05% | FCF Growth (3Y) | 194,92% |
| Safety | |||
| Debt / Equity | 0,78 | Current Ratio | 0,17 |
| Interest Coverage | 0,59 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 13,29 | P/B Ratio | 1,30 |
| P/S Ratio | 2,31 | PEG Ratio | 0,98 |
| EV/EBITDA | 14,98 | Dividend Yield | 0,02% |
| Market Cap | 7,68B | Enterprise Value | 10,66B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 3,33B | 3,36B | 3,05B | 2,00B | 1,83B |
| Net Income | 577,99M | 523,57M | 530,75M | 520,27M | 618,12M |
| EPS (Diluted) | 9,18 | 8,14 | 8,02 | 7,68 | 8,95 |
| Gross Profit | 2,12B | 1,92B | 1,93B | 1,79B | 1,87B |
| Operating Income | 711,20M | 666,64M | 683,25M | 660,16M | 796,10M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 52,24B | 49,69B | 49,82B | 47,79B | 50,25B |
| Total Liabilities | 46,32B | 44,13B | 44,68B | 43,10B | 44,88B |
| Shareholders' Equity | 5,92B | 5,55B | 5,14B | 4,68B | 5,36B |
| Total Debt | 4,63B | 4,45B | 8,96B | 7,14B | 2,49B |
| Cash & Equivalents | 1,66B | 1,43B | 1,35B | 1,40B | 2,84B |
| Current Assets | 7,50B | 14,57B | 14,34B | 13,20B | 16,27B |
| Current Liabilities | 45,05B | 39,85B | 35,49B | 37,06B | 43,85B |