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Fourchette du Jour
46,10 €
47,00 €
Fourchette 52 Semaines
37,07 €
66,25 €
Volume
219 663
Moyenne 50J / 200J
49,43 €
/
52,36 €
Clôture Précédente
46,96 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 38,0 | 10,3 |
| P/B | 3,3 | 1,1 |
| ROE % | 8,0 | 11,6 |
| Net Margin % | 4,2 | 16,8 |
| Rev Growth 5Y % | -6,3 | 11,6 |
| D/E | 0,5 | 0,5 |
Objectif de Cours des Analystes
Hold
61,50 €
+32.4%
Low: 57,00 €
High: 66,00 €
P/E Prévisionnel
10,0
BPA Prévisionnel
4,69 €
Croissance BPA (est.)
+0,0%
CA Est.
790 M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
5,12 €
5,11 € – 5,16 €
|
820 M | 2 |
| FY2026 |
4,69 €
4,68 € – 4,72 €
|
790 M | 2 |
Points Clés
Revenue declined -6,26% annually over 5 years
Earnings declined -64,94% over the past year
Debt/Equity of 0,48 — conservative balance sheet
Generating 107,80M in free cash flow
P/E of 38,04 — premium valuation
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 4,35%
Croissance
Revenue Growth (5Y)
-6,26%
Revenue (1Y)-1,91%
Earnings (1Y)-64,94%
FCF Growth (3Y)31,65%
Qualité
Return on Equity
7,95%
ROIC18,86%
Net Margin4,22%
Op. Margin18,40%
Sécurité
Debt / Equity
0,48
Current Ratio1,06
Interest Coverage10,94
Valorisation
P/E Ratio
38,04
P/B Ratio3,25
EV/EBITDA9,85
Dividend Yield0,00%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -1,91% | Revenue Growth (3Y) | -1,91% |
| Earnings Growth (1Y) | -64,94% | Earnings Growth (3Y) | -37,22% |
| Revenue Growth (5Y) | -6,26% | Earnings Growth (5Y) | -31,35% |
| Profitability | |||
| Revenue (TTM) | 767,00M | Net Income (TTM) | 32,40M |
| ROE | 7,95% | ROA | 4,05% |
| Gross Margin | 63,44% | Operating Margin | 18,40% |
| Net Margin | 4,22% | Free Cash Flow (TTM) | 107,80M |
| ROIC | 18,86% | FCF Growth (3Y) | 31,65% |
| Safety | |||
| Debt / Equity | 0,48 | Current Ratio | 1,06 |
| Interest Coverage | 10,94 | Dividend Yield | 0,00% |
| Valuation | |||
| P/E Ratio | 38,04 | P/B Ratio | 3,25 |
| P/S Ratio | 1,61 | PEG Ratio | -0,63 |
| EV/EBITDA | 9,85 | Dividend Yield | 0,00% |
| Market Cap | 1,23B | Enterprise Value | 1,39B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 767,00M | 781,90M | 797,20M | 833,60M | 993,30M |
| Net Income | 32,40M | 92,40M | 82,20M | 102,50M | 145,90M |
| EPS (Diluted) | 1,15 | 3,06 | 2,69 | 3,17 | 4,14 |
| Gross Profit | 486,60M | 423,80M | 407,20M | 417,10M | 539,90M |
| Operating Income | 141,10M | 132,90M | 125,10M | 152,60M | 231,20M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 800,40M | 857,00M | 806,90M | 828,30M | 883,30M |
| Total Liabilities | 421,20M | 420,90M | 404,70M | 498,80M | 506,30M |
| Shareholders' Equity | 379,20M | 436,10M | 402,20M | 329,50M | 377,00M |
| Total Debt | 181,80M | 144,40M | 153,10M | 215,90M | 187,20M |
| Cash & Equivalents | 24,50M | 57,30M | 23,10M | 34,20M | 54,50M |
| Current Assets | 211,40M | 232,50M | 208,50M | 228,40M | 279,70M |
| Current Liabilities | 200,00M | 224,10M | 201,60M | 224,80M | 261,40M |