Terug
Ook genoteerd als
CRZBF
OTC
Dagbereik
€ 36,12
€ 36,79
52-Weeksbereik
€ 21,80
€ 44,85
Volume
12.478
50D / 200D Gem.
€ 39,70
/
€ 37,92
Vorige Slotkoers
€ 36,91
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 16,3 | 10,3 |
| P/B | 1,2 | 1,1 |
| ROE % | 7,6 | 11,6 |
| Net Margin % | 23,6 | 16,8 |
| Rev Growth 5Y % | -3,0 | 11,6 |
| D/E | 1,6 | 0,5 |
Koersdoel Analisten
Geen analistendekking beschikbaar
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| 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 |
Belangrijkste Punten
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
Groei
Revenue Growth (5Y)
-2,98%
Revenue (1Y)-57,65%
Earnings (1Y)-5,85%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
7,58%
ROIC3,18%
Net Margin23,57%
Op. Margin35,46%
Veiligheid
Debt / Equity
1,59
Current Ratio0,21
Interest Coverage0,00
Waardering
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 |