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Fourchette du Jour
148,00 €
148,00 €
Fourchette 52 Semaines
85,52 €
167,43 €
Volume
128
Moyenne 50J / 200J
155,53 €
/
135,48 €
Clôture Précédente
147,55 €
Quick Summary
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 | 2,4 | 1,1 |
| ROE % | 18,0 | 11,7 |
| Net Margin % | 38,7 | 16,9 |
| Rev Growth 5Y % | 21,8 | 11,6 |
| D/E | 3,8 | 0,5 |
Objectif de Cours des Analystes
Aucune couverture d'analyste disponible
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2030 |
18,99 €
18,74 € – 19,41 €
|
2,69B | 1 |
| FY2029 |
17,94 €
17,70 € – 18,34 €
|
2,63B | 1 |
| FY2028 |
15,82 €
15,60 € – 16,17 €
|
2,58B | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2025-07-23 | N/A | 3,12 € | — |
| 2024-07-18 | N/A | 2,38 € | — |
| 2024-04-29 | N/A | 2,27 € | — |
| 2024-02-01 | N/A | 2,04 € | — |
| 2023-09-30 | N/A | 2,37 € | — |
| 2023-06-30 | N/A | 2,23 € | — |
| 2023-03-31 | N/A | 1,84 € | — |
| 2023-02-13 | 1,55 € | 1,51 € | -2,6% |
Dividend History
Yield
0,05%
Payout Ratio
N/A
Growth (3Y)
N/A
Growth (5Y)
N/A
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Apr 27, 2026 | Apr 29, 2026 | 7,25 € | 4,90% |
| Apr 08, 2025 | Apr 11, 2025 | 6,00 € | 6,77% |
| Apr 10, 2024 | Apr 15, 2024 | 5,37 € | 8,35% |
| Apr 04, 2023 | Apr 06, 2023 | 4,05 € | 8,82% |
| Apr 01, 2022 | Apr 05, 2022 | 3,31 € | 16,60% |
| Oct 06, 2021 | Oct 08, 2021 | 5,45 € | 9,63% |
| Mar 10, 2021 | Mar 12, 2021 | 0,54 € | 1,15% |
| May 08, 2019 | May 10, 2019 | 2,44 € | 5,97% |
| May 15, 2018 | May 17, 2018 | 0,69 € | 1,05% |
Points Clés
Revenue grew 21,77% annually over 5 years — strong growth
ROE of 17,97% — decent returns on equity
Net margin of 38,69% shows strong profitability
Debt/Equity of 3,84 — high leverage
Negative free cash flow of -1,46B
P/E of 13,26 — trading at a low valuation
Croissance
Revenue Growth (5Y)
21,77%
Revenue (1Y)33,48%
Earnings (1Y)13,10%
FCF Growth (3Y)N/A
Qualité
Return on Equity
17,97%
ROIC3,71%
Net Margin38,69%
Op. Margin52,07%
Sécurité
Debt / Equity
3,84
Current Ratio8,60
Interest Coverage0,00
Valorisation
P/E Ratio
13,26
Forward P/EN/A
P/B Ratio2,36
EV/EBITDA13,71
Dividend Yield0,05%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 33,48% | Revenue Growth (3Y) | -12,55% |
| Earnings Growth (1Y) | 13,10% | Earnings Growth (3Y) | 12,22% |
| Revenue Growth (5Y) | 21,77% | Earnings Growth (5Y) | 15,69% |
| Profitability | |||
| Revenue (TTM) | 2,22B | Net Income (TTM) | 859,58M |
| ROE | 17,97% | ROA | 1,19% |
| Gross Margin | 89,76% | Operating Margin | 52,07% |
| Net Margin | 38,69% | Free Cash Flow (TTM) | -1,46B |
| ROIC | 3,71% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 3,84 | Current Ratio | 8,60 |
| Interest Coverage | 0,00 | ||
| Dividends | |||
| Dividend Yield | 0,05% | Payout Ratio | N/A |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 13,26 | Forward P/E | N/A |
| P/B Ratio | 2,36 | P/S Ratio | 5,13 |
| PEG Ratio | 0,77 | Forward PEG | N/A |
| EV/EBITDA | 13,71 | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | -12,81% | ||
| Market Cap | 11,40B | Enterprise Value | 15,86B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 2,22B | 1,66B | 2,90B | 908,60M | 1,01B |
| Net Income | 859,58M | 760,00M | 682,60M | 318,30M | 479,90M |
| EPS (Diluted) | 10,87 | 9,32 | 8,02 | 3,36 | 5,11 |
| Gross Profit | 1,99B | 1,66B | 1,59B | 908,60M | 1,01B |
| Operating Income | 1,16B | 1,04B | 910,30M | 429,60M | 520,20M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 72,27B | 71,34B | 55,45B | 56,52B | 56,33B |
| Total Liabilities | 67,43B | 66,61B | 51,28B | 52,53B | 51,95B |
| Shareholders' Equity | 4,83B | 4,73B | 4,17B | 3,99B | 4,37B |
| Total Debt | 18,55B | 17,45B | 13,91B | 10,43B | 7,59B |
| Cash & Equivalents | 14,09B | 17,60B | 12,79B | 520,00M | 1,89B |
| Current Assets | 14,20B | 17,66B | 12,82B | 559,00M | 1,94B |
| Current Liabilities | 1,65B | 47,43B | 35,08B | 40,64B | 36,17B |