Terug
Dagbereik
€ 47,63
€ 48,95
52-Weeksbereik
€ 46,99
€ 63,19
Volume
1.016.500
50D / 200D Gem.
€ 52,28
/
€ 54,98
Vorige Slotkoers
€ 48,10
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 12,6 | 10,3 |
| P/B | 1,9 | 1,1 |
| ROE % | 16,0 | 11,6 |
| Net Margin % | 26,5 | 16,8 |
| Rev Growth 5Y % | 10,4 | 11,6 |
| D/E | 0,8 | 0,5 |
Koersdoel Analisten
Hold
€ 65,50
+35.2%
Low: € 60,00
High: € 70,00
Forward K/W
12,2
Forward WPA
€ 3,95
WPA Groei (sch.)
+0,0%
Omzet Sch.
2 B
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2028 |
€ 5,07
€ 4,96 – € 5,16
|
2,2 B | 1 |
| FY2027 |
€ 4,39
€ 4,25 – € 4,62
|
2 B | 8 |
| FY2026 |
€ 3,95
€ 3,82 – € 4,07
|
2 B | 8 |
Belangrijkste Punten
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%
Groei
Revenue Growth (5Y)
10,43%
Revenue (1Y)2,23%
Earnings (1Y)7,58%
FCF Growth (3Y)21,59%
Kwaliteit
Return on Equity
15,95%
ROIC8,08%
Net Margin26,46%
Op. Margin34,20%
Veiligheid
Debt / Equity
0,79
Current RatioN/A
Interest Coverage1,97
Waardering
P/E Ratio
12,61
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 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 12,61 | P/B Ratio | 1,88 |
| P/S Ratio | 3,34 | PEG Ratio | 2,49 |
| EV/EBITDA | 12,76 | Dividend Yield | 0,02% |
| 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 |