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Fourchette du Jour
477,55 €
483,47 €
Fourchette 52 Semaines
455,19 €
542,07 €
Volume
3 335 380
Moyenne 50J / 200J
492,42 €
/
491,22 €
Clôture Précédente
479,98 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 15,4 | 10,3 |
| P/B | 1,4 | 1,1 |
| ROE % | 9,8 | 11,7 |
| Net Margin % | 18,0 | 16,8 |
| Rev Growth 5Y % | 1,2 | 11,6 |
| D/E | 0,2 | 0,5 |
Objectif de Cours des Analystes
Hold
465,50 €
-2.9%
Low: 450,00 €
High: 481,00 €
P/E Prévisionnel
23,2
BPA Prévisionnel
20,65 €
Croissance BPA (est.)
+0,0%
CA Est.
380 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
23,07 €
22,05 € – 24,07 €
|
370 B | 3 |
| FY2027 |
21,56 €
20,40 € – 22,13 €
|
400 B | 4 |
| FY2026 |
20,65 €
19,49 € – 21,43 €
|
380 B | 3 |
Points Clés
Revenue grew 1,16% annually over 5 years — modest growth
Earnings declined -24,75% over the past year
Net margin of 18,03% shows strong profitability
Debt/Equity of 0,19 — conservative balance sheet
Generating 25,04B in free cash flow
Capital efficient — spends only 5,63% of revenue on capex
Croissance
Revenue Growth (5Y)
1,16%
Revenue (1Y)0,00%
Earnings (1Y)-24,75%
FCF Growth (3Y)-8,31%
Qualité
Return on Equity
9,80%
ROIC5,21%
Net Margin18,03%
Op. Margin16,03%
Sécurité
Debt / Equity
0,19
Current Ratio6,75
Interest Coverage11,75
Valorisation
P/E Ratio
15,44
P/B Ratio1,44
EV/EBITDA18,82
Dividend Yield0,00%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 0,00% | Revenue Growth (3Y) | -8,05% |
| Earnings Growth (1Y) | -24,75% | Earnings Growth (3Y) | -16,58% |
| Revenue Growth (5Y) | 1,16% | Earnings Growth (5Y) | -7,11% |
| Profitability | |||
| Revenue (TTM) | 371,44B | Net Income (TTM) | 66,97B |
| ROE | 9,80% | ROA | 5,48% |
| Gross Margin | 23,63% | Operating Margin | 16,03% |
| Net Margin | 18,03% | Free Cash Flow (TTM) | 25,04B |
| ROIC | 5,21% | FCF Growth (3Y) | -8,31% |
| Safety | |||
| Debt / Equity | 0,19 | Current Ratio | 6,75 |
| Interest Coverage | 11,75 | Dividend Yield | 0,00% |
| Valuation | |||
| P/E Ratio | 15,44 | P/B Ratio | 1,44 |
| P/S Ratio | 2,78 | PEG Ratio | -0,65 |
| EV/EBITDA | 18,82 | Dividend Yield | 0,00% |
| Market Cap | 1,03T | Enterprise Value | 1,12T |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 371,44B | 371,43B | 439,34B | 234,12B | 354,73B |
| Net Income | 66,97B | 89,00B | 96,22B | -22,76B | 89,94B |
| EPS (Diluted) | 31,04 | 41,27 | 44,27 | -10,36 | 39,64 |
| Gross Profit | 87,78B | 86,58B | 208,84B | 46,91B | 184,80B |
| Operating Income | 59,54B | 59,44B | 120,17B | -30,50B | 111,86B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1,22T | 1,15T | 1,07T | 948,47B | 958,78B |
| Total Liabilities | 502,47B | 502,23B | 499,21B | 466,78B | 443,85B |
| Shareholders' Equity | 717,42B | 649,37B | 561,27B | 473,42B | 506,20B |
| Total Debt | 138,95B | 143,53B | 133,57B | 127,68B | 119,25B |
| Cash & Equivalents | 51,88B | 47,73B | 38,02B | 35,81B | 88,18B |
| Current Assets | 476,29B | 434,40B | 267,74B | 225,44B | 227,99B |
| Current Liabilities | 70,54B | 73,11B | 64,63B | 58,88B | 48,08B |