Terug
Dagbereik
€ 132,36
€ 136,59
52-Weeksbereik
€ 100,31
€ 148,97
Volume
402.284
50D / 200D Gem.
€ 138,91
/
€ 130,51
Vorige Slotkoers
€ 133,60
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 13,1 | 10,3 |
| P/B | 1,9 | 1,1 |
| ROE % | 15,3 | 11,7 |
| Net Margin % | 22,2 | 16,9 |
| Rev Growth 5Y % | 20,3 | 11,6 |
| D/E | 1,0 | 0,5 |
Koersdoel Analisten
Hold
€ 150,86
+11.9%
Low: € 136,00
High: € 161,00
Forward K/W
13,0
Forward WPA
€ 10,28
WPA Groei (sch.)
+0,0%
Omzet Sch.
2,4 B
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2028 |
€ 10,81
€ 10,52 – € 11,07
|
2,6 B | 1 |
| FY2027 |
€ 10,70
€ 10,30 – € 11,26
|
2,5 B | 10 |
| FY2026 |
€ 10,28
€ 9,90 – € 10,71
|
2,4 B | 10 |
Belangrijkste Punten
Revenue grew 20,27% annually over 5 years — strong growth
ROE of 15,31% — decent returns on equity
Net margin of 22,21% shows strong profitability
Generating 127,33M in free cash flow
P/E of 13,14 — trading at a low valuation
PEG of 0,97 suggests growth is underpriced
Groei
Revenue Growth (5Y)
20,27%
Revenue (1Y)2,46%
Earnings (1Y)11,33%
FCF Growth (3Y)-36,94%
Kwaliteit
Return on Equity
15,31%
ROIC6,20%
Net Margin22,21%
Op. Margin26,43%
Veiligheid
Debt / Equity
1,04
Current Ratio0,21
Interest Coverage1,13
Waardering
P/E Ratio
13,14
P/B Ratio1,86
EV/EBITDA5,73
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 2,46% | Revenue Growth (3Y) | 5,04% |
| Earnings Growth (1Y) | 11,33% | Earnings Growth (3Y) | 4,14% |
| Revenue Growth (5Y) | 20,27% | Earnings Growth (5Y) | 9,99% |
| Profitability | |||
| Revenue (TTM) | 2,92B | Net Income (TTM) | 648,56M |
| ROE | 15,31% | ROA | 1,22% |
| Gross Margin | 75,04% | Operating Margin | 26,43% |
| Net Margin | 22,21% | Free Cash Flow (TTM) | 127,33M |
| ROIC | 6,20% | FCF Growth (3Y) | -36,94% |
| Safety | |||
| Debt / Equity | 1,04 | Current Ratio | 0,21 |
| Interest Coverage | 1,13 | Dividend Yield | 0,03% |
| Valuation | |||
| P/E Ratio | 13,14 | P/B Ratio | 1,86 |
| P/S Ratio | 2,92 | PEG Ratio | 0,97 |
| EV/EBITDA | 5,73 | Dividend Yield | 0,03% |
| Market Cap | 8,52B | Enterprise Value | 4,42B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 2,92B | 2,85B | 2,65B | 1,88B | 1,40B |
| Net Income | 648,56M | 582,54M | 597,97M | 579,15M | 443,08M |
| EPS (Diluted) | 9,92 | 8,87 | 9,08 | 8,79 | 6,74 |
| Gross Profit | 2,19B | 2,00B | 1,94B | 1,69B | 1,37B |
| Operating Income | 771,70M | 695,97M | 712,37M | 668,83M | 489,54M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 53,04B | 52,52B | 50,85B | 52,89B | 50,88B |
| Total Liabilities | 48,47B | 48,62B | 47,13B | 49,76B | 46,44B |
| Shareholders' Equity | 4,57B | 3,90B | 3,72B | 3,14B | 4,44B |
| Total Debt | 4,77B | 4,59B | 4,36B | 4,93B | 2,99B |
| Cash & Equivalents | 8,86B | 10,22B | 8,60B | 11,82B | 16,54B |
| Current Assets | 9,98B | 25,26B | 25,18B | 31,14B | 31,08B |
| Current Liabilities | 47,46B | 47,09B | 46,06B | 49,53B | 46,22B |