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Fourchette du Jour
19,08 €
19,46 €
Fourchette 52 Semaines
16,01 €
21,48 €
Volume
1 006 125
Moyenne 50J / 200J
19,78 €
/
19,52 €
Clôture Précédente
19,18 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (855 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 12,5 | 10,3 |
| P/B | 1,1 | 1,1 |
| ROE % | 9,3 | 11,7 |
| Net Margin % | 32,5 | 16,8 |
| Rev Growth 5Y % | 8,3 | 11,7 |
| D/E | 0,4 | 0,5 |
Objectif de Cours des Analystes
Hold
22,50 €
+16.7%
P/E Prévisionnel
13,71
BPA Prévisionnel
1,41 €
Croissance BPA (est.)
+0,0%
CA Est.
667,71M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
1,86 €
1,81 € – 1,88 €
|
765,80M | 3 |
| FY2026 |
1,41 €
1,30 € – 1,57 €
|
667,71M | 3 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-28 | 0,40 € | 0,36 € | -10,0% |
| 2025-10-22 | 0,37 € | 0,38 € | +2,7% |
| 2025-07-23 | 0,35 € | 0,36 € | +2,9% |
| 2025-04-23 | 0,33 € | 0,36 € | +9,1% |
| 2025-01-22 | 0,34 € | 0,36 € | +5,9% |
| 2024-10-23 | 0,35 € | 0,37 € | +5,7% |
| 2024-07-24 | 0,34 € | 0,36 € | +5,9% |
| 2024-04-24 | 0,35 € | 0,35 € | 0,0% |
Dividend History
7 yr streakYield
0,04%
Payout Ratio
0,53%
Growth (3Y)
1,28%
Growth (5Y)
-2,33%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Apr 01, 2026 | Apr 15, 2026 | 0,20 € | 4,15% |
| Dec 29, 2025 | Jan 13, 2026 | 0,20 € | 4,17% |
| Oct 01, 2025 | Oct 16, 2025 | 0,20 € | 4,28% |
| Jul 10, 2025 | Jul 24, 2025 | 0,20 € | 3,84% |
| Apr 02, 2025 | Apr 16, 2025 | 0,20 € | 4,34% |
| Dec 31, 2024 | Jan 15, 2025 | 0,20 € | 3,74% |
| Sep 30, 2024 | Oct 14, 2024 | 0,20 € | 4,49% |
| Jul 11, 2024 | Jul 25, 2024 | 0,20 € | 4,50% |
| Apr 02, 2024 | Apr 17, 2024 | 0,20 € | 4,71% |
| Jan 04, 2024 | Jan 22, 2024 | 0,20 € | 4,12% |
| Oct 03, 2023 | Oct 19, 2023 | 0,20 € | 5,12% |
| Jul 05, 2023 | Jul 20, 2023 | 0,20 € | 5,95% |
| Apr 04, 2023 | Apr 19, 2023 | 0,20 € | 4,90% |
| Dec 28, 2022 | Jan 13, 2023 | 0,20 € | 2,98% |
| Oct 04, 2022 | Oct 20, 2022 | 0,20 € | 2,82% |
| Jun 29, 2022 | Jul 15, 2022 | 0,19 € | 2,94% |
| Apr 05, 2022 | Apr 20, 2022 | 0,18 € | 3,15% |
| Dec 28, 2021 | Jan 12, 2022 | 0,18 € | 3,36% |
| Oct 05, 2021 | Oct 21, 2021 | 0,18 € | 3,55% |
| Jun 29, 2021 | Jul 15, 2021 | 0,18 € | 3,50% |
Points Clés
Revenue grew 8,29% annually over 5 years — modest growth
Net margin of 32,53% shows strong profitability
Debt/Equity of 0,43 — conservative balance sheet
Generating 217,34M in free cash flow
P/E of 12,51 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 10,62%
Croissance
Revenue Growth (5Y)
8,29%
Revenue (1Y)-2,33%
Earnings (1Y)4,28%
FCF Growth (3Y)-13,59%
Qualité
Return on Equity
9,34%
ROIC6,43%
Net Margin32,53%
Op. Margin43,78%
Sécurité
Debt / Equity
0,43
Current Ratio0,01
Interest Coverage2,12
Valorisation
P/E Ratio
12,51
Forward P/E13,71
P/B Ratio1,14
EV/EBITDA12,43
Dividend Yield0,04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -2,33% | Revenue Growth (3Y) | -1,69% |
| Earnings Growth (1Y) | 4,28% | Earnings Growth (3Y) | -2,78% |
| Revenue Growth (5Y) | 8,29% | Earnings Growth (5Y) | -0,38% |
| Profitability | |||
| Revenue (TTM) | 643,36M | Net Income (TTM) | 209,30M |
| ROE | 9,34% | ROA | 1,34% |
| Gross Margin | 79,87% | Operating Margin | 43,78% |
| Net Margin | 32,53% | Free Cash Flow (TTM) | 217,34M |
| ROIC | 6,43% | FCF Growth (3Y) | -13,59% |
| Safety | |||
| Debt / Equity | 0,43 | Current Ratio | 0,01 |
| Interest Coverage | 2,12 | ||
| Dividends | |||
| Dividend Yield | 0,04% | Payout Ratio | 0,53% |
| Dividend Growth (3Y) | 1,28% | Dividend Growth (5Y) | -2,33% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 12,51 | Forward P/E | 13,71 |
| P/B Ratio | 1,14 | P/S Ratio | 4,07 |
| PEG Ratio | 1,96 | Forward PEG | N/A |
| EV/EBITDA | 12,43 | Fwd EV/EBITDA | 10,06 |
| Forward P/S | 3,92 | Fwd Earnings Yield | 7,29% |
| FCF Yield | 8,30% | ||
| Market Cap | 2,62B | Enterprise Value | 3,50B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 643,36M | 658,69M | 665,66M | 561,94M | 467,83M |
| Net Income | 209,30M | 200,72M | 221,44M | 235,43M | 212,52M |
| EPS (Diluted) | 1,52 | 1,44 | 1,59 | 1,67 | 1,56 |
| Gross Profit | 513,85M | 480,17M | 545,82M | 542,19M | 488,25M |
| Operating Income | 281,69M | 271,24M | 315,43M | 328,35M | 297,65M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 15,63B | 15,15B | 16,02B | 16,48B | 15,88B |
| Total Liabilities | 13,34B | 12,97B | 13,94B | 14,53B | 13,80B |
| Shareholders' Equity | 2,30B | 2,19B | 2,08B | 1,95B | 2,08B |
| Total Debt | 990,60M | 761,89M | 2,34B | 1,56B | 644,67M |
| Cash & Equivalents | 107,51M | 205,18M | 289,50M | 213,01M | 1,76B |
| Current Assets | 154,23M | 564,82M | 3,56B | 3,79B | 5,06B |
| Current Liabilities | 11,99B | 12,72B | 13,77B | 14,40B | 13,62B |