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Fourchette du Jour
30,76 €
31,16 €
Fourchette 52 Semaines
22,63 €
33,89 €
Volume
90 150
Moyenne 50J / 200J
31,56 €
/
28,72 €
Clôture Précédente
31,13 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (857 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 10,9 | 10,2 |
| P/B | 1,1 | 1,1 |
| ROE % | 11,0 | 11,7 |
| Net Margin % | 20,7 | 16,8 |
| Rev Growth 5Y % | 18,8 | 11,7 |
| D/E | 0,5 | 0,5 |
Objectif de Cours des Analystes
Hold
37,00 €
+20.1%
P/E Prévisionnel
10,06
BPA Prévisionnel
3,09 €
Croissance BPA (est.)
+0,0%
CA Est.
463,70M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
3,20 €
3,17 € – 3,22 €
|
477,84M | 5 |
| FY2026 |
3,09 €
3,08 € – 3,10 €
|
463,70M | 5 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-27 | N/A | 0,76 € | — |
| 2025-07-24 | 0,67 € | 0,75 € | +12,4% |
| 2025-04-24 | 0,62 € | 0,65 € | +4,5% |
| 2025-01-24 | 0,61 € | 0,69 € | +13,0% |
| 2024-07-25 | 0,63 € | 0,68 € | +7,9% |
| 2024-04-25 | 0,64 € | 0,70 € | +9,4% |
| 2024-03-04 | N/A | 0,68 € | — |
| 2023-10-26 | 0,61 € | 0,65 € | +6,6% |
Dividend History
7 yr streakYield
0,01%
Payout Ratio
0,14%
Growth (3Y)
3,57%
Growth (5Y)
27,23%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 03, 2026 | Feb 17, 2026 | 0,12 € | 1,29% |
| Nov 04, 2025 | Nov 18, 2025 | 0,10 € | 1,49% |
| Aug 05, 2025 | Aug 19, 2025 | 0,10 € | 1,49% |
| May 06, 2025 | May 20, 2025 | 0,10 € | 1,47% |
| Feb 04, 2025 | Feb 18, 2025 | 0,10 € | 1,26% |
| Nov 05, 2024 | Nov 19, 2024 | 0,09 € | 1,32% |
| Aug 06, 2024 | Aug 20, 2024 | 0,09 € | 1,41% |
| May 06, 2024 | May 21, 2024 | 0,09 € | 1,55% |
| Feb 05, 2024 | Feb 20, 2024 | 0,09 € | 1,73% |
| Nov 06, 2023 | Nov 21, 2023 | 0,09 € | 1,78% |
| Aug 07, 2023 | Aug 22, 2023 | 0,09 € | 1,60% |
| May 08, 2023 | May 23, 2023 | 0,09 € | 2,00% |
| Feb 06, 2023 | Feb 21, 2023 | 0,09 € | 1,42% |
| Nov 07, 2022 | Nov 22, 2022 | 0,09 € | 1,57% |
| Aug 08, 2022 | Aug 23, 2022 | 0,09 € | 1,56% |
| May 06, 2022 | May 23, 2022 | 0,09 € | 1,53% |
| Feb 07, 2022 | Feb 22, 2022 | 0,09 € | 1,25% |
| Nov 08, 2021 | Nov 23, 2021 | 0,09 € | 1,09% |
| Aug 09, 2021 | Aug 24, 2021 | 0,09 € | 0,97% |
| May 10, 2021 | May 25, 2021 | 0,06 € | 0,79% |
Points Clés
Revenue grew 18,79% annually over 5 years — strong growth
ROE of 11,02% — decent returns on equity
Net margin of 20,66% shows strong profitability
Debt/Equity of 0,45 — conservative balance sheet
Generating 136,32M in free cash flow
P/E of 10,85 — trading at a low valuation
Croissance
Revenue Growth (5Y)
18,79%
Revenue (1Y)1,30%
Earnings (1Y)7,69%
FCF Growth (3Y)-8,33%
Qualité
Return on Equity
11,02%
ROIC7,49%
Net Margin20,66%
Op. Margin29,06%
Sécurité
Debt / Equity
0,45
Current Ratio0,31
Interest Coverage0,98
Valorisation
P/E Ratio
10,85
Forward P/E10,06
P/B Ratio1,11
EV/EBITDA10,47
Dividend Yield0,01%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 1,30% | Revenue Growth (3Y) | 8,73% |
| Earnings Growth (1Y) | 7,69% | Earnings Growth (3Y) | 9,80% |
| Revenue Growth (5Y) | 18,79% | Earnings Growth (5Y) | 8,81% |
| Profitability | |||
| Revenue (TTM) | 629,49M | Net Income (TTM) | 130,05M |
| ROE | 11,02% | ROA | 1,35% |
| Gross Margin | 66,12% | Operating Margin | 29,06% |
| Net Margin | 20,66% | Free Cash Flow (TTM) | 136,32M |
| ROIC | 7,49% | FCF Growth (3Y) | -8,33% |
| Safety | |||
| Debt / Equity | 0,45 | Current Ratio | 0,31 |
| Interest Coverage | 0,98 | ||
| Dividends | |||
| Dividend Yield | 0,01% | Payout Ratio | 0,14% |
| Dividend Growth (3Y) | 3,57% | Dividend Growth (5Y) | 27,23% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 10,85 | Forward P/E | 10,06 |
| P/B Ratio | 1,11 | P/S Ratio | 2,24 |
| PEG Ratio | 2,33 | Forward PEG | N/A |
| EV/EBITDA | 10,47 | Fwd EV/EBITDA | 12,97 |
| Forward P/S | 3,04 | Fwd Earnings Yield | 9,94% |
| FCF Yield | 9,66% | ||
| Market Cap | 1,41B | Enterprise Value | 1,92B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 629,49M | 621,42M | 532,47M | 356,46M | 316,14M |
| Net Income | 130,05M | 120,76M | 107,88M | 87,95M | 92,79M |
| EPS (Diluted) | 2,89 | 2,75 | 2,67 | 2,34 | 2,40 |
| Gross Profit | 416,22M | 376,50M | 351,96M | 296,35M | 302,63M |
| Operating Income | 182,96M | 161,08M | 145,68M | 114,68M | 124,21M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 9,65B | 9,50B | 8,88B | 7,36B | 6,70B |
| Total Liabilities | 8,38B | 8,41B | 7,89B | 6,60B | 5,86B |
| Shareholders' Equity | 1,27B | 1,09B | 990,15M | 765,82M | 836,38M |
| Total Debt | 564,95M | 774,65M | 553,78M | 765,82M | 645,78M |
| Cash & Equivalents | 60,18M | 563,14M | 226,14M | 179,35M | 157,93M |
| Current Assets | 1,47B | 2,52B | 2,31B | 1,91B | 2,00B |
| Current Liabilities | 4,76B | 7,51B | 7,25B | 5,85B | 5,24B |