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Fourchette du Jour
21,70 €
22,05 €
Fourchette 52 Semaines
17,46 €
23,84 €
Volume
679 384
Moyenne 50J / 200J
22,76 €
/
22,09 €
Clôture Précédente
22,00 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 18,7 | 10,3 |
| P/B | 1,5 | 1,1 |
| ROE % | 8,6 | 11,7 |
| Net Margin % | 43,1 | 16,9 |
| Rev Growth 5Y % | 22,6 | 11,6 |
| D/E | 1,1 | 0,5 |
Objectif de Cours des Analystes
Hold
22,17 €
+1.2%
Low: 21,50 €
High: 23,00 €
P/E Prévisionnel
9,22
BPA Prévisionnel
2,39 €
Croissance BPA (est.)
+0,0%
CA Est.
236,00M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
2,53 €
2,47 € – 2,59 €
|
309,82M | 1 |
| FY2027 |
2,31 €
2,20 € – 2,46 €
|
260,79M | 5 |
| FY2026 |
2,39 €
2,33 € – 2,40 €
|
236,00M | 4 |
No quarterly estimates available
Dividend History
Yield
0,12%
Payout Ratio
N/A
Growth (3Y)
N/A
Growth (5Y)
N/A
No dividend history available.
Points Clés
Revenue grew 22,57% annually over 5 years — strong growth
Earnings declined -15,40% over the past year
Net margin of 43,07% shows strong profitability
Negative free cash flow of -217,26M
Revenue growth is decelerating — 1Y growth trails 5Y average by 14,90%
Capital efficient — spends only 0,00% of revenue on capex
Croissance
Revenue Growth (5Y)
22,57%
Revenue (1Y)7,67%
Earnings (1Y)-15,40%
FCF Growth (3Y)N/A
Qualité
Return on Equity
8,61%
ROIC3,24%
Net Margin43,07%
Op. Margin48,48%
Sécurité
Debt / Equity
1,08
Current RatioN/A
Interest Coverage1,44
Valorisation
P/E Ratio
18,68
Forward P/EN/A
P/B Ratio1,49
EV/EBITDA28,09
Dividend Yield0,12%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 7,67% | Revenue Growth (3Y) | 34,67% |
| Earnings Growth (1Y) | -15,40% | Earnings Growth (3Y) | 46,01% |
| Revenue Growth (5Y) | 22,57% | Earnings Growth (5Y) | 8,51% |
| Profitability | |||
| Revenue (TTM) | 163,81M | Net Income (TTM) | 70,55M |
| ROE | 8,61% | ROA | 3,75% |
| Gross Margin | 66,45% | Operating Margin | 48,48% |
| Net Margin | 43,07% | Free Cash Flow (TTM) | -217,26M |
| ROIC | 3,24% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1,08 | Current Ratio | N/A |
| Interest Coverage | 1,44 | ||
| Dividends | |||
| Dividend Yield | 0,12% | Payout Ratio | N/A |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 18,68 | Forward P/E | N/A |
| P/B Ratio | 1,49 | P/S Ratio | 8,05 |
| PEG Ratio | -0,53 | Forward PEG | N/A |
| EV/EBITDA | 28,09 | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | -16,48% | ||
| Market Cap | 1,32B | Enterprise Value | 2,23B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 163,81M | 152,15M | 90,33M | 102,93M | 72,58M |
| Net Income | 70,55M | 83,39M | 33,09M | 42,82M | 50,88M |
| EPS (Diluted) | 1,47 | 2,05 | 1,10 | 1,87 | 2,67 |
| Gross Profit | 108,85M | 109,06M | 61,45M | 83,00M | 72,58M |
| Operating Income | 79,41M | 84,60M | 40,07M | 46,84M | 55,56M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1,88B | 1,56B | 1,26B | 973,96M | 735,58M |
| Total Liabilities | 999,21M | 801,08M | 667,28M | 553,09M | 399,33M |
| Shareholders' Equity | 883,63M | 755,68M | 590,41M | 420,87M | 336,25M |
| Total Debt | 956,07M | 770,85M | 637,64M | 528,59M | 381,30M |
| Cash & Equivalents | 43,22M | 32,27M | 21,59M | 11,43M | 31,61M |
| Current Assets | 75,54M | 62,48M | 40,66M | 25,78M | 42,32M |
| Current Liabilities | 0,0 | 0,0 | 0,0 | 0,0 | 0,0 |