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Fourchette du Jour
2,00 €
2,01 €
Fourchette 52 Semaines
1,15 €
2,67 €
Volume
500
Moyenne 50J / 200J
2,21 €
/
1,96 €
Clôture Précédente
2,00 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (855 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 2,8 | 10,3 |
| P/B | 0,3 | 1,1 |
| ROE % | 11,2 | 11,7 |
| Net Margin % | 21,5 | 16,8 |
| Rev Growth 5Y % | 11,7 | 11,7 |
| D/E | 1,9 | 0,5 |
Objectif de Cours des Analystes
Aucune couverture d'analyste disponible
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
0,85 €
0,79 € – 0,90 €
|
25,70B | 1 |
| FY2027 |
0,81 €
0,75 € – 0,86 €
|
24,59B | 1 |
| FY2026 |
0,77 €
0,71 € – 0,81 €
|
23,43B | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-27 | 0,19 € | 0,18 € | -6,6% |
| 2025-08-29 | 0,04 € | 0,04 € | -7,0% |
| 2025-04-18 | N/A | 0,04 € | — |
| 2025-02-28 | 0,04 € | 0,04 € | -8,4% |
| 2024-11-28 | 0,04 € | 0,04 € | +5,2% |
| 2024-08-29 | 0,04 € | 0,04 € | +8,4% |
| 2024-04-30 | N/A | 0,04 € | — |
| 2024-02-21 | 0,04 € | 0,03 € | -0,9% |
Dividend History
7 yr streakYield
0,19%
Payout Ratio
0,64%
Growth (3Y)
23,49%
Growth (5Y)
31,43%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 17, 2026 | Mar 27, 2026 | 0,05 € | 5,79% |
| Dec 15, 2025 | Dec 24, 2025 | 0,02 € | 5,12% |
| Sep 19, 2025 | Sep 30, 2025 | 0,05 € | 4,95% |
| Mar 17, 2025 | Mar 27, 2025 | 0,05 € | 5,87% |
| Sep 17, 2024 | Sep 27, 2024 | 0,06 € | 8,22% |
| Mar 15, 2024 | Apr 03, 2024 | 0,05 € | 6,59% |
| Sep 20, 2023 | Oct 12, 2023 | 0,04 € | 5,58% |
| Mar 13, 2023 | Apr 12, 2023 | 0,03 € | 4,76% |
| Sep 28, 2022 | Oct 28, 2022 | 0,03 € | 4,67% |
| Mar 25, 2022 | Apr 25, 2022 | 0,03 € | 4,21% |
| Sep 28, 2021 | Oct 27, 2021 | 0,02 € | 3,30% |
| Mar 24, 2021 | Apr 22, 2021 | 0,01 € | 1,04% |
| Mar 16, 2020 | Apr 13, 2020 | 0,03 € | 4,79% |
| Oct 04, 2019 | Nov 06, 2019 | 0,03 € | 6,04% |
| Mar 25, 2019 | Apr 24, 2019 | 0,03 € | 4,17% |
| Sep 24, 2018 | Oct 24, 2018 | 0,03 € | 4,31% |
| Mar 28, 2018 | Apr 30, 2018 | 0,03 € | 3,38% |
| Oct 10, 2017 | Nov 10, 2017 | 0,03 € | 5,00% |
| Mar 28, 2017 | Apr 28, 2017 | 0,03 € | 4,00% |
| Sep 27, 2016 | Oct 28, 2016 | 0,02 € | 2,08% |
Points Clés
Revenue grew 11,70% annually over 5 years — strong growth
ROE of 11,23% — decent returns on equity
Net margin of 21,48% shows strong profitability
Generating 5,96B in free cash flow
P/E of 2,75 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 14,35%
Croissance
Revenue Growth (5Y)
11,70%
Revenue (1Y)-2,65%
Earnings (1Y)1,48%
FCF Growth (3Y)-14,78%
Qualité
Return on Equity
11,23%
ROIC3,88%
Net Margin21,48%
Op. Margin29,19%
Sécurité
Debt / Equity
1,93
Current Ratio0,52
Interest Coverage0,77
Valorisation
P/E Ratio
2,75
Forward P/E2,61
P/B Ratio0,31
EV/EBITDA11,34
Dividend Yield0,19%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -2,65% | Revenue Growth (3Y) | 2,20% |
| Earnings Growth (1Y) | 1,48% | Earnings Growth (3Y) | 5,99% |
| Revenue Growth (5Y) | 11,70% | Earnings Growth (5Y) | 16,24% |
| Profitability | |||
| Revenue (TTM) | 36,51B | Net Income (TTM) | 7,84B |
| ROE | 11,23% | ROA | 1,01% |
| Gross Margin | 62,62% | Operating Margin | 29,19% |
| Net Margin | 21,48% | Free Cash Flow (TTM) | 5,96B |
| ROIC | 3,88% | FCF Growth (3Y) | -14,78% |
| Safety | |||
| Debt / Equity | 1,93 | Current Ratio | 0,52 |
| Interest Coverage | 0,77 | ||
| Dividends | |||
| Dividend Yield | 0,19% | Payout Ratio | 0,64% |
| Dividend Growth (3Y) | 23,49% | Dividend Growth (5Y) | 31,43% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 2,75 | Forward P/E | 2,61 |
| P/B Ratio | 0,31 | P/S Ratio | 0,59 |
| PEG Ratio | 2,43 | Forward PEG | N/A |
| EV/EBITDA | 11,34 | Fwd EV/EBITDA | 16,50 |
| Forward P/S | 0,92 | Fwd Earnings Yield | 38,31% |
| FCF Yield | 27,56% | ||
| Market Cap | 21,60B | Enterprise Value | 120,80B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 36,51B | 37,50B | 34,95B | 26,94B | 23,45B |
| Net Income | 7,84B | 7,73B | 6,98B | 5,44B | 4,30B |
| EPS (Diluted) | 0,73 | 0,72 | 0,65 | 0,52 | 0,43 |
| Gross Profit | 22,86B | 22,24B | 20,92B | 19,92B | 18,23B |
| Operating Income | 10,66B | 10,40B | 9,54B | 8,37B | 5,79B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 776,99B | 755,13B | 733,57B | 666,72B | 621,91B |
| Total Liabilities | 698,17B | 684,29B | 663,73B | 602,94B | 561,80B |
| Shareholders' Equity | 70,20B | 69,44B | 68,53B | 62,69B | 59,06B |
| Total Debt | 135,52B | 38,44B | 35,18B | 30,60B | 32,12B |
| Cash & Equivalents | 36,32B | 48,24B | 52,55B | 58,44B | 59,47B |
| Current Assets | 51,55B | 66,08B | 68,71B | 73,82B | 73,88B |
| Current Liabilities | 100,04B | 557,21B | 537,47B | 494,24B | 470,73B |