Retour
Fourchette du Jour
43,05 €
44,41 €
Fourchette 52 Semaines
34,11 €
50,07 €
Volume
95 410
Moyenne 50J / 200J
45,77 €
/
42,55 €
Clôture Précédente
43,54 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 40,6 | 10,3 |
| P/B | 1,3 | 1,1 |
| ROE % | 3,4 | 11,6 |
| Net Margin % | 7,2 | 16,8 |
| Rev Growth 5Y % | 13,9 | 11,6 |
| D/E | 0,6 | 0,5 |
Objectif de Cours des Analystes
Hold
54,50 €
+24.1%
Low: 52,00 €
High: 57,00 €
P/E Prévisionnel
8,9
BPA Prévisionnel
4,87 €
Croissance BPA (est.)
+0,0%
CA Est.
340 M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
5,30 €
5,15 € – 5,50 €
|
360 M | 5 |
| FY2026 |
4,87 €
4,72 € – 5,02 €
|
340 M | 5 |
Points Clés
Revenue grew 13,89% annually over 5 years — strong growth
Earnings declined -63,71% over the past year
ROE of 3,43% is below average
Generating 38,54M in free cash flow
P/E of 40,56 — premium valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 17,64%
Croissance
Revenue Growth (5Y)
13,89%
Revenue (1Y)-3,75%
Earnings (1Y)-63,71%
FCF Growth (3Y)-20,12%
Qualité
Return on Equity
3,43%
ROIC2,07%
Net Margin7,23%
Op. Margin10,35%
Sécurité
Debt / Equity
0,61
Current Ratio1,41
Interest Coverage0,31
Valorisation
P/E Ratio
40,56
P/B Ratio1,26
EV/EBITDA23,44
Dividend Yield0,01%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -3,75% | Revenue Growth (3Y) | 18,27% |
| Earnings Growth (1Y) | -63,71% | Earnings Growth (3Y) | 70,46% |
| Revenue Growth (5Y) | 13,89% | Earnings Growth (5Y) | -18,88% |
| Profitability | |||
| Revenue (TTM) | 314,26M | Net Income (TTM) | 22,73M |
| ROE | 3,43% | ROA | 0,36% |
| Gross Margin | 50,39% | Operating Margin | 10,35% |
| Net Margin | 7,23% | Free Cash Flow (TTM) | 38,54M |
| ROIC | 2,07% | FCF Growth (3Y) | -20,12% |
| Safety | |||
| Debt / Equity | 0,61 | Current Ratio | 1,41 |
| Interest Coverage | 0,31 | Dividend Yield | 0,01% |
| Valuation | |||
| P/E Ratio | 40,56 | P/B Ratio | 1,26 |
| P/S Ratio | 2,93 | PEG Ratio | -0,54 |
| EV/EBITDA | 23,44 | Dividend Yield | 0,01% |
| Market Cap | 921,76M | Enterprise Value | 762,42M |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 314,26M | 326,51M | 224,68M | 220,29M | 186,81M |
| Net Income | 22,73M | 62,62M | 7,82M | 57,69M | 52,48M |
| EPS (Diluted) | 1,23 | 4,00 | 0,50 | 3,51 | 3,43 |
| Gross Profit | 158,37M | 217,67M | 135,63M | 194,99M | 180,59M |
| Operating Income | 32,53M | 78,28M | 2,42M | 70,28M | 64,44M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 6,37B | 5,33B | 5,03B | 4,98B | 5,14B |
| Total Liabilities | 5,64B | 4,74B | 4,58B | 4,57B | 4,64B |
| Shareholders' Equity | 732,05M | 592,92M | 452,86M | 410,06M | 500,63M |
| Total Debt | 448,22M | 312,80M | 380,50M | 281,73M | 151,89M |
| Cash & Equivalents | 607,56M | 383,50M | 363,29M | 104,01M | 259,13M |
| Current Assets | 1,67B | 1,22B | 1,31B | 1,31B | 1,60B |
| Current Liabilities | 1,19B | 4,41B | 4,23B | 4,32B | 4,52B |