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CRZBF
OTC
Fourchette du Jour
36,12 €
36,79 €
Fourchette 52 Semaines
21,80 €
44,85 €
Volume
12 478
Moyenne 50J / 200J
39,70 €
/
37,92 €
Clôture Précédente
36,91 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 16,3 | 10,3 |
| P/B | 1,2 | 1,1 |
| ROE % | 7,6 | 11,7 |
| Net Margin % | 23,6 | 16,9 |
| Rev Growth 5Y % | -3,0 | 11,6 |
| D/E | 1,6 | 0,5 |
Objectif de Cours des Analystes
Aucune couverture d'analyste disponible
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2029 |
4,29 €
4,22 € – 4,36 €
|
15 B | 1 |
| FY2028 |
4,43 €
4,36 € – 4,50 €
|
15 B | 1 |
| FY2027 |
3,67 €
3,61 € – 3,73 €
|
14 B | 1 |
Points Clés
Revenue declined -2,98% annually over 5 years
Net margin of 23,57% shows strong profitability
Negative free cash flow of -21,46B
Revenue growth is decelerating — 1Y growth trails 5Y average by 54,67%
ROIC of 3,18% — low return on invested capital
Croissance
Revenue Growth (5Y)
-2,98%
Revenue (1Y)-57,65%
Earnings (1Y)-5,85%
FCF Growth (3Y)N/A
Qualité
Return on Equity
7,58%
ROIC3,18%
Net Margin23,57%
Op. Margin35,46%
Sécurité
Debt / Equity
1,59
Current Ratio0,21
Interest Coverage0,00
Valorisation
P/E Ratio
16,30
P/B Ratio1,19
EV/EBITDA4,44
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -57,65% | Revenue Growth (3Y) | -29,82% |
| Earnings Growth (1Y) | -5,85% | Earnings Growth (3Y) | 6,46% |
| Revenue Growth (5Y) | -2,98% | Earnings Growth (5Y) | 55,60% |
| Profitability | |||
| Revenue (TTM) | 10,69B | Net Income (TTM) | 2,52B |
| ROE | 7,58% | ROA | 0,45% |
| Gross Margin | 93,51% | Operating Margin | 35,46% |
| Net Margin | 23,57% | Free Cash Flow (TTM) | -21,46B |
| ROIC | 3,18% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1,59 | Current Ratio | 0,21 |
| Interest Coverage | 0,00 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 16,30 | P/B Ratio | 1,19 |
| P/S Ratio | 3,84 | PEG Ratio | 2,10 |
| EV/EBITDA | 4,44 | Dividend Yield | 0,02% |
| Market Cap | 41,09B | Enterprise Value | 16,85B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 10,69B | 25,25B | 21,71B | 14,26B | 12,07B |
| Net Income | 2,52B | 2,68B | 2,22B | 1,44B | 430,00M |
| EPS (Diluted) | 2,24 | 2,08 | 1,63 | 0,99 | 0,23 |
| Gross Profit | 10,00B | 12,36B | 11,81B | 10,39B | 9,65B |
| Operating Income | 3,79B | 3,83B | 3,40B | 2,01B | 105,00M |
Balance Sheet
Annual, most recent first
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Total Assets | 554,65B | 517,17B | 477,43B | 467,41B | 506,61B |
| Total Liabilities | 518,93B | 484,16B | 446,50B | 437,58B | 478,04B |
| Shareholders' Equity | 34,47B | 31,99B | 30,05B | 28,85B | 27,46B |
| Total Debt | 54,89B | 48,25B | 43,77B | 43,85B | 46,12B |
| Cash & Equivalents | 79,12B | 102,69B | 86,65B | 60,21B | 81,21B |
| Current Assets | 89,93B | 102,93B | 86,90B | 60,48B | 81,49B |
| Current Liabilities | 428,75B | 405,24B | 363,06B | 312,15B | 337,17B |