Terug
Dagbereik
€ 60,68
€ 61,64
52-Weeksbereik
€ 58,39
€ 83,99
Volume
248.427
50D / 200D Gem.
€ 65,66
/
€ 68,83
Vorige Slotkoers
€ 61,94
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (857 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 20,4 | 10,2 |
| P/B | 5,6 | 1,1 |
| ROE % | 28,5 | 11,7 |
| Net Margin % | 27,0 | 16,8 |
| Rev Growth 5Y % | -0,7 | 11,7 |
| D/E | 0,3 | 0,5 |
Koersdoel Analisten
Hold
€ 87,50
+43.8%
Low: € 73,00
High: € 102,00
Forward K/W
18,53
Forward WPA
€ 3,34
WPA Groei (sch.)
+0,0%
Omzet Sch.
593,71M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2028 |
€ 5,68
€ 5,64 – € 5,72
|
682,50M | 1 |
| FY2027 |
€ 3,78
€ 3,65 – € 3,90
|
659,13M | 2 |
| FY2026 |
€ 3,34
€ 3,31 – € 3,37
|
593,71M | 2 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-28 | € 0,81 | € 0,78 | -3,7% |
| 2025-10-16 | € 0,78 | € 0,81 | +4,5% |
| 2025-07-17 | € 0,75 | € 0,73 | -2,7% |
| 2025-04-16 | € 0,72 | € 0,75 | +4,2% |
| 2025-01-22 | € 0,80 | € 0,78 | -2,5% |
| 2024-10-16 | € 0,78 | € 0,77 | -1,3% |
| 2024-07-17 | € 0,67 | € 0,68 | +1,5% |
| 2024-04-17 | € 0,71 | € 0,70 | -1,4% |
Dividend History
7 yr streakYield
0,04%
Payout Ratio
0,83%
Growth (3Y)
4,07%
Growth (5Y)
-0,63%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 09, 2026 | Mar 19, 2026 | € 0,67 | 3,94% |
| Nov 10, 2025 | Nov 20, 2025 | € 0,62 | 3,70% |
| Aug 11, 2025 | Aug 21, 2025 | € 0,62 | 3,34% |
| May 12, 2025 | May 22, 2025 | € 0,62 | 2,92% |
| Mar 03, 2025 | Mar 13, 2025 | € 0,62 | 2,79% |
| Nov 18, 2024 | Dec 02, 2024 | € 0,59 | 2,36% |
| Aug 12, 2024 | Aug 22, 2024 | € 0,59 | 2,85% |
| May 10, 2024 | May 23, 2024 | € 0,59 | 3,28% |
| Mar 01, 2024 | Mar 14, 2024 | € 0,59 | 3,15% |
| Nov 10, 2023 | Nov 28, 2023 | € 0,57 | 4,32% |
| Aug 11, 2023 | Aug 24, 2023 | € 0,57 | 3,43% |
| May 12, 2023 | May 25, 2023 | € 0,57 | 4,13% |
| Mar 03, 2023 | Mar 16, 2023 | € 0,57 | 3,10% |
| Nov 10, 2022 | Nov 29, 2022 | € 0,55 | 3,41% |
| Aug 12, 2022 | Aug 25, 2022 | € 0,55 | 4,31% |
| May 13, 2022 | May 26, 2022 | € 0,55 | 4,46% |
| Mar 04, 2022 | Mar 17, 2022 | € 0,55 | 4,04% |
| Nov 12, 2021 | Nov 30, 2021 | € 1,70 | 3,06% |
| Aug 13, 2021 | Aug 26, 2021 | € 0,45 | 3,11% |
| May 14, 2021 | May 27, 2021 | € 0,45 | 3,67% |
Belangrijkste Punten
Revenue declined -0,69% annually over 5 years
ROE of 28,54% indicates high profitability
Net margin of 26,98% shows strong profitability
Debt/Equity of 0,25 — conservative balance sheet
Negative free cash flow of -126,42M
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 10,43%
Groei
Revenue Growth (5Y)
-0,69%
Revenue (1Y)9,74%
Earnings (1Y)1,29%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
28,54%
ROIC19,04%
Net Margin26,98%
Op. Margin31,30%
Veiligheid
Debt / Equity
0,25
Current Ratio14,76
Interest Coverage0,00
Waardering
P/E Ratio
20,40
Forward P/E18,53
P/B Ratio5,56
EV/EBITDA17,55
Dividend Yield0,04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 9,74% | Revenue Growth (3Y) | 7,69% |
| Earnings Growth (1Y) | 1,29% | Earnings Growth (3Y) | 8,96% |
| Revenue Growth (5Y) | -0,69% | Earnings Growth (5Y) | -7,73% |
| Profitability | |||
| Revenue (TTM) | 567,80M | Net Income (TTM) | 153,22M |
| ROE | 28,54% | ROA | 16,83% |
| Gross Margin | 57,51% | Operating Margin | 31,30% |
| Net Margin | 26,98% | Free Cash Flow (TTM) | -126,42M |
| ROIC | 19,04% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0,25 | Current Ratio | 14,76 |
| Interest Coverage | 0,00 | ||
| Dividends | |||
| Dividend Yield | 0,04% | Payout Ratio | 0,83% |
| Dividend Growth (3Y) | 4,07% | Dividend Growth (5Y) | -0,63% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 20,40 | Forward P/E | 18,53 |
| P/B Ratio | 5,56 | P/S Ratio | 5,51 |
| PEG Ratio | -62,99 | Forward PEG | N/A |
| EV/EBITDA | 17,55 | Fwd EV/EBITDA | 13,34 |
| Forward P/S | 5,27 | Fwd Earnings Yield | 5,40% |
| FCF Yield | -4,04% | ||
| Market Cap | 3,13B | Enterprise Value | 3,12B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 567,80M | 517,42M | 489,64M | 573,72M | 583,83M |
| Net Income | 153,22M | 151,27M | 129,05M | 171,04M | 211,40M |
| EPS (Diluted) | 2,98 | 2,97 | 2,60 | 3,47 | 4,31 |
| Gross Profit | 326,52M | 242,30M | 235,29M | 281,97M | 312,50M |
| Operating Income | 177,74M | 172,88M | 164,48M | 215,94M | 260,37M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 910,45M | 812,37M | 736,55M | 673,38M | 492,69M |
| Total Liabilities | 276,60M | 237,46M | 243,91M | 246,44M | 148,36M |
| Shareholders' Equity | 561,95M | 511,71M | 381,23M | 337,55M | 255,18M |
| Total Debt | 138,33M | 141,12M | 140,41M | 138,81M | 24,53M |
| Cash & Equivalents | 145,45M | 182,97M | 187,44M | 247,42M | 184,37M |
| Current Assets | 227,09M | 385,79M | 339,00M | 331,46M | 295,74M |
| Current Liabilities | 15,39M | 15,20M | 15,46M | 17,01M | 33,72M |