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Dagbereik
€ 2,35
€ 2,35
52-Weeksbereik
€ 1,28
€ 2,95
Volume
980
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€ 2,35
/
€ 2,06
Vorige Slotkoers
€ 2,35
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 3,6 | 10,3 |
| P/B | 0,2 | 1,1 |
| ROE % | 5,2 | 11,7 |
| Net Margin % | 18,4 | 16,9 |
| Rev Growth 5Y % | -2,6 | 11,6 |
| D/E | 2,6 | 0,5 |
Koersdoel Analisten
Geen analistendekking beschikbaar
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 2,25
€ 1,75 – € 3,05
|
33,72B | 1 |
| FY2026 |
€ 2,03
€ 1,58 – € 2,75
|
30,92B | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2025-10-29 | € 0,06 | € 0,06 | -2,1% |
| 2025-08-29 | € 0,05 | € 0,07 | +54,8% |
| 2025-04-28 | € 0,06 | € 0,05 | -6,5% |
| 2024-12-31 | N/A | € 0,23 | — |
| 2024-09-29 | € 0,04 | € 0,02 | -55,7% |
| 2024-06-28 | N/A | € 0,03 | — |
| 2024-04-29 | € 0,05 | € 0,04 | -35,1% |
| 2024-02-22 | N/A | € 0,05 | — |
Dividend History
Yield
0,03%
Payout Ratio
N/A
Growth (3Y)
N/A
Growth (5Y)
N/A
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Nov 04, 2025 | Dec 29, 2025 | € 0,01 | 1,07% |
| Jul 02, 2025 | Aug 22, 2025 | € 0,01 | 1,97% |
| Nov 04, 2024 | Dec 27, 2024 | € 0,01 | 3,08% |
| Jul 03, 2024 | Aug 23, 2024 | € 0,03 | 2,05% |
| Jul 04, 2023 | Aug 18, 2023 | € 0,02 | 1,45% |
| Jun 27, 2022 | Aug 19, 2022 | € 0,04 | 2,54% |
| May 21, 2021 | Jul 15, 2021 | € 0,03 | 1,40% |
| May 30, 2019 | Jul 26, 2019 | € 0,02 | 1,19% |
| May 23, 2018 | Jul 17, 2018 | € 0,03 | 1,29% |
| Jun 14, 2017 | Aug 11, 2017 | € 0,02 | 1,21% |
Belangrijkste Punten
Revenue declined -2,64% annually over 5 years
Net margin of 18,41% shows strong profitability
Debt/Equity of 2,64 — high leverage
Generating 23,30B in free cash flow
P/E of 3,58 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 3,71%
Groei
Revenue Growth (5Y)
-2,64%
Revenue (1Y)-6,35%
Earnings (1Y)3,62%
FCF Growth (3Y)-35,71%
Kwaliteit
Return on Equity
5,18%
ROIC1,22%
Net Margin18,41%
Op. Margin22,04%
Veiligheid
Debt / Equity
2,64
Current Ratio1,42
Interest Coverage0,67
Waardering
P/E Ratio
3,58
Forward P/EN/A
P/B Ratio0,18
EV/EBITDA38,17
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -6,35% | Revenue Growth (3Y) | -8,36% |
| Earnings Growth (1Y) | 3,62% | Earnings Growth (3Y) | -13,43% |
| Revenue Growth (5Y) | -2,64% | Earnings Growth (5Y) | -5,72% |
| Profitability | |||
| Revenue (TTM) | 30,93B | Net Income (TTM) | 5,69B |
| ROE | 5,18% | ROA | 0,84% |
| Gross Margin | 66,97% | Operating Margin | 22,04% |
| Net Margin | 18,41% | Free Cash Flow (TTM) | 23,30B |
| ROIC | 1,22% | FCF Growth (3Y) | -35,71% |
| Safety | |||
| Debt / Equity | 2,64 | Current Ratio | 1,42 |
| Interest Coverage | 0,67 | ||
| Dividends | |||
| Dividend Yield | 0,03% | Payout Ratio | N/A |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 3,58 | Forward P/E | N/A |
| P/B Ratio | 0,18 | P/S Ratio | 0,66 |
| PEG Ratio | -0,87 | Forward PEG | N/A |
| EV/EBITDA | 38,17 | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | 114,30% | ||
| Market Cap | 20,38B | Enterprise Value | 260,21B |
Income Statement
Annual, most recent first
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | 30,93B | 33,02B | 36,82B | 41,46B | 34,42B |
| Net Income | 5,69B | 5,50B | 7,60B | 10,78B | 7,21B |
| EPS (Diluted) | 1,04 | 1,14 | 1,46 | 2,16 | 1,60 |
| Gross Profit | 20,71B | 21,49B | 23,54B | 25,88B | 21,82B |
| Operating Income | 6,82B | 6,79B | 9,06B | 12,83B | 8,75B |
Balance Sheet
Annual, most recent first
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Total Assets | 674,72B | 624,31B | 648,76B | 649,80B | 521,62B |
| Total Liabilities | 559,09B | 519,41B | 549,29B | 565,06B | 449,81B |
| Shareholders' Equity | 115,35B | 104,60B | 99,19B | 84,42B | 71,63B |
| Total Debt | 304,31B | 280,33B | 276,96B | 253,36B | 215,33B |
| Cash & Equivalents | 64,49B | 72,14B | 85,79B | 66,14B | 47,16B |
| Current Assets | 633,73B | 72,14B | 614,43B | 618,81B | 493,84B |
| Current Liabilities | 447,49B | 407,16B | 458,73B | 436,58B | 343,08B |