Terug
18
Dagbereik
€ 40,44
€ 41,37
52-Weeksbereik
€ 31,21
€ 42,15
Volume
94.022
50D / 200D Gem.
€ 38,10
/
€ 36,41
Vorige Slotkoers
€ 40,76
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 16,0 | 10,3 |
| P/B | 1,6 | 1,1 |
| ROE % | 9,5 | 11,7 |
| Net Margin % | 26,3 | 16,9 |
| Rev Growth 5Y % | 8,6 | 11,6 |
| D/E | 0,0 | 0,5 |
Koersdoel Analisten
Hold
€ 38,00
-7.4%
Forward K/W
14,0
Forward WPA
€ 2,91
WPA Groei (sch.)
+0,0%
Omzet Sch.
180 M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| 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 | — | — |
Belangrijkste Punten
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
Groei
Revenue Growth (5Y)
8,60%
Revenue (1Y)5,42%
Earnings (1Y)-5,45%
FCF Growth (3Y)0,80%
Kwaliteit
Return on Equity
9,50%
ROIC9,44%
Net Margin26,32%
Op. Margin34,04%
Veiligheid
Debt / Equity
0,00
Current Ratio0,73
Interest Coverage3,52
Waardering
P/E Ratio
16,04
P/B Ratio1,56
EV/EBITDA4,30
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 | 16,04 | P/B Ratio | 1,56 |
| P/S Ratio | 4,22 | PEG Ratio | -2,37 |
| EV/EBITDA | 4,30 | Dividend Yield | 0,10% |
| Market Cap | 782,65M | Enterprise Value | 271,62M |
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 |
Strategiescores
This stock passed the criteria for 1 strategy
Score = fit strength (0–100)
Rank = position among all matches
Custom
Cash Flow Compounder
#1002 of 1052
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