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Fourchette du Jour
40,24 €
40,97 €
Fourchette 52 Semaines
34,63 €
44,86 €
Volume
448 433
Moyenne 50J / 200J
41,89 €
/
39,99 €
Clôture Précédente
40,54 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 16,9 | 10,3 |
| P/B | 1,5 | 1,1 |
| ROE % | 8,9 | 11,7 |
| Net Margin % | 5,1 | 16,9 |
| Rev Growth 5Y % | 2,1 | 11,6 |
| D/E | 1,5 | 0,5 |
Objectif de Cours des Analystes
Hold
46,67 €
+14.9%
Low: 43,00 €
High: 50,00 €
P/E Prévisionnel
9,2
BPA Prévisionnel
4,41 €
Croissance BPA (est.)
+0,0%
CA Est.
4,1 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2029 |
6,30 €
6,17 € – 6,43 €
|
4,6 B | 1 |
| FY2028 |
5,46 €
5,31 € – 5,60 €
|
4,3 B | 2 |
| FY2027 |
4,88 €
4,84 € – 4,91 €
|
4,2 B | 3 |
Points Clés
Revenue grew 2,14% annually over 5 years — modest growth
Earnings declined -43,24% over the past year
Generating 675,70M in free cash flow
Cash machine — converts 294,68% of earnings into free cash flow
Capital efficient — spends only 0,00% of revenue on capex
ROIC of 3,29% — low return on invested capital
Croissance
Revenue Growth (5Y)
2,14%
Revenue (1Y)0,94%
Earnings (1Y)-43,24%
FCF Growth (3Y)7,67%
Qualité
Return on Equity
8,93%
ROIC3,29%
Net Margin5,11%
Op. Margin6,54%
Sécurité
Debt / Equity
1,54
Current RatioN/A
Interest Coverage1,27
Valorisation
P/E Ratio
16,90
P/B Ratio1,47
EV/EBITDA23,76
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 0,94% | Revenue Growth (3Y) | 4,03% |
| Earnings Growth (1Y) | -43,24% | Earnings Growth (3Y) | -8,93% |
| Revenue Growth (5Y) | 2,14% | Earnings Growth (5Y) | -20,37% |
| Profitability | |||
| Revenue (TTM) | 4,49B | Net Income (TTM) | 229,30M |
| ROE | 8,93% | ROA | 0,59% |
| Gross Margin | 44,79% | Operating Margin | 6,54% |
| Net Margin | 5,11% | Free Cash Flow (TTM) | 675,70M |
| ROIC | 3,29% | FCF Growth (3Y) | 7,67% |
| Safety | |||
| Debt / Equity | 1,54 | Current Ratio | N/A |
| Interest Coverage | 1,27 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 16,90 | P/B Ratio | 1,47 |
| P/S Ratio | 0,86 | PEG Ratio | -0,47 |
| EV/EBITDA | 23,76 | Dividend Yield | 0,02% |
| Market Cap | 3,87B | Enterprise Value | 6,97B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 4,49B | 4,45B | 4,15B | 3,58B | 4,12B |
| Net Income | 229,30M | 404,00M | 276,50M | 630,60M | 570,30M |
| EPS (Diluted) | 2,35 | 3,74 | 2,40 | 5,36 | 3,36 |
| Gross Profit | 2,01B | 1,70B | 1,53B | 1,79B | 1,70B |
| Operating Income | 293,40M | 518,30M | 356,80M | 816,50M | 733,10M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 38,97B | 37,85B | 35,03B | 33,13B | 36,20B |
| Total Liabilities | 36,33B | 35,35B | 32,81B | 31,36B | 30,94B |
| Shareholders' Equity | 2,64B | 2,50B | 2,22B | 1,77B | 5,26B |
| Total Debt | 4,05B | 4,52B | 4,15B | 3,88B | 4,00B |
| Cash & Equivalents | 956,10M | 1,66B | 774,50M | 69,20M | 99,60M |
| Current Assets | 983,50M | 0,0 | 0,0 | 0,0 | 29,38B |
| Current Liabilities | 0,0 | 0,0 | 0,0 | 0,0 | 8,40M |