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Fourchette du Jour
48,97 €
49,64 €
Fourchette 52 Semaines
36,06 €
54,99 €
Volume
273 698
Moyenne 50J / 200J
50,77 €
/
48,42 €
Clôture Précédente
48,97 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 10,7 | 10,3 |
| P/B | 1,2 | 1,1 |
| ROE % | 10,9 | 11,7 |
| Net Margin % | 22,8 | 16,9 |
| Rev Growth 5Y % | 17,7 | 11,6 |
| D/E | 0,1 | 0,5 |
Objectif de Cours des Analystes
Hold
52,00 €
+5.1%
P/E Prévisionnel
9,42
BPA Prévisionnel
5,26 €
Croissance BPA (est.)
+0,0%
CA Est.
879,55M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
5,72 €
5,23 € – 6,20 €
|
927,08M | 3 |
| FY2026 |
5,26 €
4,92 € – 5,59 €
|
879,55M | 3 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-28 | 1,20 € | 1,12 € | -6,7% |
| 2025-10-21 | 1,15 € | 1,13 € | -1,7% |
| 2025-07-22 | 1,10 € | 1,10 € | 0,0% |
| 2025-04-21 | 0,95 € | 0,98 € | +3,2% |
| 2025-02-28 | N/A | 1,12 € | — |
| 2024-10-21 | 0,95 € | 0,94 € | -1,1% |
| 2024-07-22 | 0,94 € | 0,92 € | -2,1% |
| 2024-04-22 | 0,98 € | 0,98 € | 0,0% |
Dividend History
7 yr streakYield
0,03%
Payout Ratio
0,30%
Growth (3Y)
0,00%
Growth (5Y)
1,86%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 26, 2026 | Mar 09, 2026 | 0,38 € | 2,67% |
| Dec 01, 2025 | Dec 11, 2025 | 0,34 € | 2,78% |
| Aug 28, 2025 | Sep 08, 2025 | 0,34 € | 2,73% |
| May 29, 2025 | Jun 09, 2025 | 0,34 € | 3,16% |
| Feb 27, 2025 | Mar 10, 2025 | 0,34 € | 2,95% |
| Nov 27, 2024 | Dec 09, 2024 | 0,34 € | 2,60% |
| Aug 29, 2024 | Sep 09, 2024 | 0,34 € | 3,11% |
| May 30, 2024 | Jun 10, 2024 | 0,34 € | 3,74% |
| Feb 27, 2024 | Mar 11, 2024 | 0,34 € | 3,48% |
| Nov 28, 2023 | Dec 11, 2023 | 0,34 € | 3,77% |
| Aug 29, 2023 | Sep 11, 2023 | 0,34 € | 3,84% |
| May 26, 2023 | Jun 09, 2023 | 0,34 € | 4,41% |
| Feb 24, 2023 | Mar 09, 2023 | 0,34 € | 3,10% |
| Nov 28, 2022 | Dec 09, 2022 | 0,34 € | 3,02% |
| Aug 29, 2022 | Sep 09, 2022 | 0,34 € | 3,18% |
| May 26, 2022 | Jun 06, 2022 | 0,34 € | 3,33% |
| Feb 24, 2022 | Mar 07, 2022 | 0,34 € | 2,86% |
| Nov 26, 2021 | Dec 09, 2021 | 0,34 € | 2,95% |
| Aug 27, 2021 | Sep 09, 2021 | 0,31 € | 3,08% |
| May 27, 2021 | Jun 07, 2021 | 0,31 € | 2,99% |
Points Clés
Revenue grew 17,72% annually over 5 years — strong growth
ROE of 10,92% — decent returns on equity
Net margin of 22,76% shows strong profitability
Debt/Equity of 0,07 — conservative balance sheet
Generating 363,66M in free cash flow
P/E of 10,69 — trading at a low valuation
Croissance
Revenue Growth (5Y)
17,72%
Revenue (1Y)-0,43%
Earnings (1Y)10,19%
FCF Growth (3Y)-2,35%
Qualité
Return on Equity
10,92%
ROIC9,75%
Net Margin22,76%
Op. Margin29,42%
Sécurité
Debt / Equity
0,07
Current Ratio0,20
Interest Coverage0,72
Valorisation
P/E Ratio
10,69
Forward P/E9,42
P/B Ratio1,15
EV/EBITDA8,42
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -0,43% | Revenue Growth (3Y) | 2,79% |
| Earnings Growth (1Y) | 10,19% | Earnings Growth (3Y) | -5,67% |
| Revenue Growth (5Y) | 17,72% | Earnings Growth (5Y) | 1,38% |
| Profitability | |||
| Revenue (TTM) | 1,38B | Net Income (TTM) | 315,12M |
| ROE | 10,92% | ROA | 1,30% |
| Gross Margin | 55,06% | Operating Margin | 29,42% |
| Net Margin | 22,76% | Free Cash Flow (TTM) | 363,66M |
| ROIC | 9,75% | FCF Growth (3Y) | -2,35% |
| Safety | |||
| Debt / Equity | 0,07 | Current Ratio | 0,20 |
| Interest Coverage | 0,72 | ||
| Dividends | |||
| Dividend Yield | 0,03% | Payout Ratio | 0,30% |
| Dividend Growth (3Y) | 0,00% | Dividend Growth (5Y) | 1,86% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 10,69 | Forward P/E | 9,42 |
| P/B Ratio | 1,15 | P/S Ratio | 2,43 |
| PEG Ratio | 0,69 | Forward PEG | N/A |
| EV/EBITDA | 8,42 | Fwd EV/EBITDA | 9,91 |
| Forward P/S | 3,83 | Fwd Earnings Yield | 10,62% |
| FCF Yield | 10,80% | ||
| Market Cap | 3,37B | Enterprise Value | 3,43B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,38B | 1,39B | 1,31B | 908,10M | 721,11M |
| Net Income | 315,12M | 285,98M | 354,12M | 360,64M | 298,30M |
| EPS (Diluted) | 4,54 | 3,95 | 4,86 | 4,83 | 3,80 |
| Gross Profit | 762,46M | 692,22M | 784,06M | 775,97M | 668,37M |
| Operating Income | 407,40M | 317,54M | 403,58M | 472,54M | 381,84M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 24,23B | 23,05B | 23,08B | 21,95B | 20,89B |
| Total Liabilities | 21,30B | 20,21B | 20,34B | 19,47B | 18,44B |
| Shareholders' Equity | 2,93B | 2,85B | 2,74B | 2,47B | 2,45B |
| Total Debt | 208,92M | 227,73M | 709,72M | 659,25M | 192,98M |
| Cash & Equivalents | 146,32M | 157,17M | 173,99M | 195,44M | 134,14M |
| Current Assets | 1,90B | 1,81B | 2,53B | 2,72B | 3,63B |
| Current Liabilities | 9,68B | 19,69B | 19,33B | 18,51B | 18,06B |