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Fourchette du Jour
28,58 €
29,17 €
Fourchette 52 Semaines
18,89 €
40,43 €
Volume
3 186 797
Moyenne 50J / 200J
35,77 €
/
34,73 €
Clôture Précédente
29,27 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 8,0 | 10,3 |
| P/B | 0,7 | 1,1 |
| ROE % | 8,9 | 11,6 |
| Net Margin % | 11,4 | 16,8 |
| Rev Growth 5Y % | 18,6 | 11,6 |
| D/E | 3,2 | 0,5 |
Objectif de Cours des Analystes
Hold
14,87 €
-48.6%
Low: 9,24 €
High: 29,00 €
P/E Prévisionnel
8,7
BPA Prévisionnel
3,38 €
Croissance BPA (est.)
+0,0%
CA Est.
33 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2029 |
4,76 €
4,70 € – 4,82 €
|
37 B | 1 |
| FY2028 |
4,41 €
4,36 € – 4,47 €
|
36 B | 1 |
| FY2027 |
3,86 €
3,63 € – 4,47 €
|
34 B | 2 |
Points Clés
Revenue grew 18,61% annually over 5 years — strong growth
Earnings grew 105,91% over the past year
Debt/Equity of 3,24 — high leverage
Negative free cash flow of 0,0
P/E of 7,95 — trading at a low valuation
PEG of 0,08 suggests growth is underpriced
Croissance
Revenue Growth (5Y)
18,61%
Revenue (1Y)-8,25%
Earnings (1Y)105,91%
FCF Growth (3Y)N/A
Qualité
Return on Equity
8,86%
ROIC2,18%
Net Margin11,39%
Op. Margin15,96%
Sécurité
Debt / Equity
3,24
Current Ratio0,37
Interest Coverage0,34
Valorisation
P/E Ratio
7,95
P/B Ratio0,70
EV/EBITDA14,95
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -8,25% | Revenue Growth (3Y) | 1,27% |
| Earnings Growth (1Y) | 105,91% | Earnings Growth (3Y) | 20,52% |
| Revenue Growth (5Y) | 18,61% | Earnings Growth (5Y) | 30,84% |
| Profitability | |||
| Revenue (TTM) | 60,86B | Net Income (TTM) | 6,93B |
| ROE | 8,86% | ROA | 0,48% |
| Gross Margin | 49,95% | Operating Margin | 15,96% |
| Net Margin | 11,39% | Free Cash Flow (TTM) | 0,0 |
| ROIC | 2,18% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 3,24 | Current Ratio | 0,37 |
| Interest Coverage | 0,34 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 7,95 | P/B Ratio | 0,70 |
| P/S Ratio | 0,91 | PEG Ratio | 0,08 |
| EV/EBITDA | 14,95 | Dividend Yield | 0,02% |
| Market Cap | 55,09B | Enterprise Value | 145,24B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 60,86B | 66,34B | 59,35B | 37,31B | 30,75B |
| Net Income | 6,93B | 3,37B | 4,77B | 5,53B | 2,37B |
| EPS (Diluted) | 3,09 | 1,37 | 2,03 | 2,37 | 0,93 |
| Gross Profit | 30,40B | 28,22B | 27,37B | 25,43B | 24,79B |
| Operating Income | 9,71B | 5,29B | 5,68B | 5,59B | 3,39B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1,44T | 1,39T | 1,31T | 1,34T | 1,32T |
| Total Liabilities | 1,35T | 1,31T | 1,24T | 1,26T | 1,26T |
| Shareholders' Equity | 78,64B | 77,83B | 73,05B | 70,54B | 66,33B |
| Total Debt | 254,81B | 151,49B | 144,22B | 146,38B | 156,19B |
| Cash & Equivalents | 164,66B | 153,65B | 184,56B | 186,09B | 199,36B |
| Current Assets | 355,85B | 254,96B | 213,43B | 219,35B | 297,53B |
| Current Liabilities | 957,70B | 862,10B | 96,58B | 90,66B | 75,82B |