Terug
Dagbereik
€ 1,90
€ 2,00
52-Weeksbereik
€ 1,62
€ 2,55
Volume
2.000
50D / 200D Gem.
€ 1,80
/
€ 1,73
Vorige Slotkoers
€ 2,00
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (855 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 9,4 | 10,4 |
| P/B | 1,3 | 1,1 |
| ROE % | 14,6 | 11,6 |
| Net Margin % | 25,1 | 16,8 |
| Rev Growth 5Y % | -55,3 | 11,6 |
| D/E | 0,5 | 0,5 |
Koersdoel Analisten
Geen analistendekking beschikbaar
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2028 |
€ 16,98
€ 15,42 – € 18,07
|
266,28B | 1 |
| FY2027 |
€ 14,94
€ 13,56 – € 15,90
|
231,25B | 1 |
| FY2026 |
€ 13,45
€ 12,21 – € 14,32
|
210,38B | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-02 | € 2,72 | € 0,00 | -100,0% |
| 2025-10-15 | € 0,05 | € 0,06 | +10,6% |
| 2025-07-17 | € 0,05 | € 0,05 | +0,3% |
| 2025-04-21 | € 0,06 | € 0,06 | -3,2% |
| 2025-02-10 | € 0,05 | € 0,05 | -12,1% |
| 2024-10-17 | € 0,05 | € 0,06 | +9,3% |
| 2024-07-26 | € 0,05 | € 0,05 | +0,5% |
| 2024-04-22 | € 0,05 | € 0,05 | +3,1% |
Dividend History
7 yr streakYield
0,04%
Payout Ratio
0,35%
Growth (3Y)
22,91%
Growth (5Y)
15,45%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Dec 02, 2025 | Dec 18, 2025 | € 0,04 | 4,39% |
| Jun 09, 2025 | Jun 30, 2025 | € 0,04 | 3,78% |
| Dec 03, 2024 | Dec 20, 2024 | € 0,03 | 3,59% |
| Jun 06, 2024 | Jun 28, 2024 | € 0,03 | 3,15% |
| Nov 29, 2023 | Dec 22, 2023 | € 0,03 | 3,06% |
| May 26, 2023 | Jun 22, 2023 | € 0,03 | 2,60% |
| Nov 25, 2022 | Dec 23, 2022 | € 0,02 | 2,47% |
| May 27, 2022 | Jun 22, 2022 | € 0,02 | 1,79% |
| Nov 26, 2021 | Dec 24, 2021 | € 0,02 | 1,70% |
| May 28, 2021 | Jun 23, 2021 | € 0,02 | 1,82% |
| Oct 30, 2020 | Nov 26, 2020 | € 0,02 | 2,55% |
| Jun 01, 2020 | Jun 26, 2020 | € 0,02 | 2,68% |
| Nov 29, 2019 | Dec 27, 2019 | € 0,02 | 2,78% |
| May 24, 2019 | Jun 19, 2019 | € 0,02 | 1,94% |
| Jan 07, 2019 | Jan 29, 2019 | € 0,02 | 1,85% |
| Jun 29, 2018 | Jul 25, 2018 | € 0,02 | 1,74% |
| Dec 22, 2017 | Jan 19, 2018 | € 0,02 | 1,46% |
| Jul 03, 2017 | Jul 27, 2017 | € 0,02 | 1,56% |
| Dec 23, 2016 | — | € 0,02 | 1,52% |
| Jun 24, 2016 | — | € 0,02 | 1,64% |
Belangrijkste Punten
Revenue declined -55,28% annually over 5 years
Earnings declined -98,18% over the past year
ROE of 14,58% — decent returns on equity
Net margin of 25,11% shows strong profitability
Debt/Equity of 0,50 — conservative balance sheet
Generating 1,23B in free cash flow
Groei
Revenue Growth (5Y)
-55,28%
Revenue (1Y)-98,07%
Earnings (1Y)-98,18%
FCF Growth (3Y)-86,59%
Kwaliteit
Return on Equity
14,58%
ROIC8,98%
Net Margin25,11%
Op. Margin32,19%
Veiligheid
Debt / Equity
0,50
Current Ratio1,73
Interest Coverage1,26
Waardering
P/E Ratio
9,36
Forward P/E0,15
P/B Ratio1,31
EV/EBITDA8,20
Dividend Yield0,04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -98,07% | Revenue Growth (3Y) | -84,17% |
| Earnings Growth (1Y) | -98,18% | Earnings Growth (3Y) | -85,22% |
| Revenue Growth (5Y) | -55,28% | Earnings Growth (5Y) | -53,37% |
| Profitability | |||
| Revenue (TTM) | 4,50B | Net Income (TTM) | 1,13B |
| ROE | 14,58% | ROA | 1,82% |
| Gross Margin | 67,64% | Operating Margin | 32,19% |
| Net Margin | 25,11% | Free Cash Flow (TTM) | 1,23B |
| ROIC | 8,98% | FCF Growth (3Y) | -86,59% |
| Safety | |||
| Debt / Equity | 0,50 | Current Ratio | 1,73 |
| Interest Coverage | 1,26 | ||
| Dividends | |||
| Dividend Yield | 0,04% | Payout Ratio | 0,35% |
| Dividend Growth (3Y) | 22,91% | Dividend Growth (5Y) | 15,45% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 9,36 | Forward P/E | 0,15 |
| P/B Ratio | 1,31 | P/S Ratio | 2,35 |
| PEG Ratio | -0,08 | Forward PEG | N/A |
| EV/EBITDA | 8,20 | Fwd EV/EBITDA | 0,15 |
| Forward P/S | 0,05 | Fwd Earnings Yield | 666,67% |
| FCF Yield | 11,60% | ||
| Market Cap | 10,57B | Enterprise Value | 11,88B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 4,50B | 232,45B | 179,52B | 136,72B | 112,45B |
| Net Income | 1,13B | 62,05B | 51,69B | 39,61B | 23,88B |
| EPS (Diluted) | 0,21 | 11,78 | 10,90 | 8,78 | 5,29 |
| Gross Profit | 3,04B | 170,08B | 138,30B | 118,52B | 97,41B |
| Operating Income | 1,45B | 79,74B | 65,21B | 51,37B | 33,54B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 61,90B | 57,13B | 52,16B | 46,68B | 47,21B |
| Total Liabilities | 53,79B | 49,68B | 45,67B | 40,95B | 41,46B |
| Shareholders' Equity | 8,08B | 7,41B | 6,45B | 5,69B | 5,71B |
| Total Debt | 4,01B | 187,97B | 157,53B | 2,10B | 112,35B |
| Cash & Equivalents | 2,70B | 287,30B | 271,58B | 268,50B | 339,30B |
| Current Assets | 3,84B | 323,47B | 306,17B | 5,38B | 0,0 |
| Current Liabilities | 2,22B | 30,15B | 29,53B | 29,41B | 30,86B |