Retour
18
Fourchette du Jour
40,34 €
41,42 €
Fourchette 52 Semaines
31,21 €
42,15 €
Volume
108 393
Moyenne 50J / 200J
38,10 €
/
36,41 €
Clôture Précédente
39,70 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 15,9 | 10,3 |
| P/B | 1,6 | 1,1 |
| ROE % | 9,5 | 11,7 |
| Net Margin % | 26,3 | 16,8 |
| Rev Growth 5Y % | 8,6 | 11,7 |
| D/E | 0,0 | 0,5 |
Objectif de Cours des Analystes
Hold
38,00 €
-6.8%
P/E Prévisionnel
14,0
BPA Prévisionnel
2,91 €
Croissance BPA (est.)
+0,0%
CA Est.
180 M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
2,97 €
2,97 € – 2,97 €
|
190 M | 1 |
| FY2026 |
2,91 €
2,91 € – 2,91 €
|
180 M | 1 |
Insider Trading Activity
Buy ratio (90d)
100.0%
20 transactions
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| Feb 4, 2026 |
DAVIS C WILLIAM
|
grant | 1 032 | 39,76 € | 41 032 € |
| Jan 30, 2026 |
Bonnett Derek A
Chief Risk Officer
|
buy | 501 | 34,93 € | 17 500 € |
| Aug 1, 2025 |
Brown David D
Chief Financial Officer
|
buy | 150 | 36,00 € | 5 400 € |
| Aug 1, 2025 |
Brown David D
Chief Financial Officer
|
grant | 2 786 | 35,77 € | 99 655 € |
| May 29, 2025 |
Price Harriet B
|
other | 1 996 | — | — |
| May 29, 2025 |
DAVIS C WILLIAM
|
other | 1 996 | — | — |
| May 29, 2025 |
DAVIS C WILLIAM
|
sell | 499 | 38,00 € | 18 962 € |
| May 29, 2025 |
Taylor Beth Ann
|
other | 1 996 | — | — |
| May 29, 2025 |
SARVER M ADAM
|
other | 1 996 | — | — |
| May 29, 2025 |
Johnson Richard Scott
|
other | 1 996 | — | — |
| May 29, 2025 |
Elmore Samuel L
|
other | 1 996 | — | — |
| May 28, 2025 |
Price Harriet B
|
grant | 928 | — | — |
| May 28, 2025 |
DAVIS C WILLIAM
|
grant | 928 | — | — |
| May 28, 2025 |
Taylor Beth Ann
|
grant | 928 | — | — |
| May 28, 2025 |
SARVER M ADAM
|
grant | 928 | — | — |
| May 28, 2025 |
Johnson Richard Scott
|
grant | 928 | — | — |
| May 28, 2025 |
Elmore Samuel L
|
grant | 928 | — | — |
| May 28, 2025 |
Bonnett Derek A
Chief Risk Officer
|
grant | 1 888 | — | — |
| May 28, 2025 |
STAFFORD WILLIAM P II
Chief Executive Officer
|
grant | 3 831 | — | — |
| May 28, 2025 |
BELCHER JASON R
SVP-Chief Admin Officer
|
grant | 2 332 | — | — |
Points Clés
Revenue grew 8,60% annually over 5 years — modest growth
Net margin of 26,32% shows strong profitability
Debt/Equity of 0,00 — conservative balance sheet
Generating 60,00M in free cash flow
Revenue growth is decelerating — 1Y growth trails 5Y average by 3,18%
Cash machine — converts 122,97% of earnings into free cash flow
Croissance
Revenue Growth (5Y)
8,60%
Revenue (1Y)5,42%
Earnings (1Y)-5,45%
FCF Growth (3Y)0,80%
Qualité
Return on Equity
9,50%
ROIC9,44%
Net Margin26,32%
Op. Margin34,04%
Sécurité
Debt / Equity
0,00
Current Ratio0,73
Interest Coverage3,52
Valorisation
P/E Ratio
15,93
P/B Ratio1,55
EV/EBITDA4,22
Dividend Yield0,10%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 5,42% | Revenue Growth (3Y) | 5,78% |
| Earnings Growth (1Y) | -5,45% | Earnings Growth (3Y) | 0,80% |
| Revenue Growth (5Y) | 8,60% | Earnings Growth (5Y) | -1,18% |
| Profitability | |||
| Revenue (TTM) | 185,42M | Net Income (TTM) | 48,79M |
| ROE | 9,50% | ROA | 1,50% |
| Gross Margin | 90,30% | Operating Margin | 34,04% |
| Net Margin | 26,32% | Free Cash Flow (TTM) | 60,00M |
| ROIC | 9,44% | FCF Growth (3Y) | 0,80% |
| Safety | |||
| Debt / Equity | 0,00 | Current Ratio | 0,73 |
| Interest Coverage | 3,52 | Dividend Yield | 0,10% |
| Valuation | |||
| P/E Ratio | 15,93 | P/B Ratio | 1,55 |
| P/S Ratio | 4,19 | PEG Ratio | -2,37 |
| EV/EBITDA | 4,22 | Dividend Yield | 0,10% |
| Market Cap | 777,50M | Enterprise Value | 266,47M |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 185,42M | 175,89M | 165,71M | 142,24M | 133,29M |
| Net Income | 48,79M | 51,60M | 48,02M | 46,66M | 51,17M |
| EPS (Diluted) | 2,65 | 2,80 | 2,66 | 2,82 | 2,94 |
| Gross Profit | 167,43M | 152,62M | 148,24M | 134,01M | 138,92M |
| Operating Income | 63,13M | 65,69M | 61,97M | 60,16M | 66,53M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 3,26B | 3,26B | 3,27B | 3,14B | 3,19B |
| Total Liabilities | 2,76B | 2,73B | 2,77B | 2,71B | 2,77B |
| Shareholders' Equity | 500,55M | 526,39M | 503,29M | 421,99M | 427,78M |
| Total Debt | 1,21M | 906 000,0 | 1,12M | 1,87M | 1,54M |
| Cash & Equivalents | 512,24M | 80,46M | 79,11M | 65,21M | 50,40M |
| Current Assets | 653,65M | 225,93M | 370,95M | 374,84M | 134,60M |
| Current Liabilities | 897,47M | 2,69B | 2,72B | 2,71B | 2,77B |
Scores de Stratégies
This stock passed the criteria for 1 strategy
Score = fit strength (0–100)
Rank = position among all matches
Custom
Cash Flow Compounder
#972 of 1024
Activité Récente
Entré
Cash Flow Compounder
Mar 24, 2026