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Fourchette du Jour
47,63 €
48,95 €
Fourchette 52 Semaines
46,99 €
63,19 €
Volume
1 016 500
Moyenne 50J / 200J
52,28 €
/
54,98 €
Clôture Précédente
48,10 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 12,6 | 10,3 |
| P/B | 1,9 | 1,1 |
| ROE % | 16,0 | 11,7 |
| Net Margin % | 26,5 | 16,8 |
| Rev Growth 5Y % | 10,4 | 11,6 |
| D/E | 0,8 | 0,5 |
Objectif de Cours des Analystes
Hold
65,50 €
+35.2%
Low: 60,00 €
High: 70,00 €
P/E Prévisionnel
12,19
BPA Prévisionnel
3,95 €
Croissance BPA (est.)
+0,0%
CA Est.
1,97B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
5,07 €
4,96 € – 5,16 €
|
2,17B | 1 |
| FY2027 |
4,39 €
4,25 € – 4,62 €
|
2,04B | 8 |
| FY2026 |
3,95 €
3,82 € – 4,07 €
|
1,97B | 8 |
No quarterly estimates available
Dividend History
Yield
0,02%
Payout Ratio
N/A
Growth (3Y)
N/A
Growth (5Y)
N/A
No dividend history available.
Points Clés
Revenue grew 10,43% annually over 5 years — strong growth
ROE of 15,95% — decent returns on equity
Net margin of 26,46% shows strong profitability
Generating 592,39M in free cash flow
P/E of 12,61 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 8,20%
Croissance
Revenue Growth (5Y)
10,43%
Revenue (1Y)2,23%
Earnings (1Y)7,58%
FCF Growth (3Y)21,59%
Qualité
Return on Equity
15,95%
ROIC8,08%
Net Margin26,46%
Op. Margin34,20%
Sécurité
Debt / Equity
0,79
Current RatioN/A
Interest Coverage1,97
Valorisation
P/E Ratio
12,61
Forward P/EN/A
P/B Ratio1,88
EV/EBITDA12,76
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 2,23% | Revenue Growth (3Y) | 4,24% |
| Earnings Growth (1Y) | 7,58% | Earnings Growth (3Y) | 8,95% |
| Revenue Growth (5Y) | 10,43% | Earnings Growth (5Y) | 1,63% |
| Profitability | |||
| Revenue (TTM) | 2,14B | Net Income (TTM) | 566,25M |
| ROE | 15,95% | ROA | 1,72% |
| Gross Margin | 80,00% | Operating Margin | 34,20% |
| Net Margin | 26,46% | Free Cash Flow (TTM) | 592,39M |
| ROIC | 8,08% | FCF Growth (3Y) | 21,59% |
| Safety | |||
| Debt / Equity | 0,79 | Current Ratio | N/A |
| Interest Coverage | 1,97 | ||
| Dividends | |||
| Dividend Yield | 0,02% | Payout Ratio | N/A |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 12,61 | Forward P/E | N/A |
| P/B Ratio | 1,88 | P/S Ratio | 3,34 |
| PEG Ratio | 2,49 | Forward PEG | N/A |
| EV/EBITDA | 12,76 | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | 8,30% | ||
| Market Cap | 7,14B | Enterprise Value | 9,34B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 2,14B | 2,09B | 1,97B | 1,57B | 1,44B |
| Net Income | 566,25M | 526,33M | 477,06M | 488,40M | 530,77M |
| EPS (Diluted) | 4,08 | 3,87 | 3,47 | 3,49 | 3,72 |
| Gross Profit | 1,71B | 1,63B | 1,55B | 1,48B | 1,49B |
| Operating Income | 731,84M | 679,49M | 619,73M | 632,38M | 686,30M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 32,92B | 32,00B | 31,70B | 31,88B | 36,69B |
| Total Liabilities | 29,10B | 28,66B | 28,74B | 29,39B | 33,24B |
| Shareholders' Equity | 3,79B | 3,31B | 2,94B | 2,47B | 3,44B |
| Total Debt | 3,00B | 2,93B | 2,91B | 2,85B | 3,04B |
| Cash & Equivalents | 803,24M | 3,37B | 2,68B | 841,64M | 4,28B |
| Current Assets | 9,90B | 12,51B | 12,37B | 13,08B | 18,73B |
| Current Liabilities | 0,0 | 28,22B | 28,27B | 29,03B | 32,84B |