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Fourchette du Jour
24,10 €
24,67 €
Fourchette 52 Semaines
20,32 €
28,35 €
Volume
1 411 900
Moyenne 50J / 200J
25,90 €
/
25,19 €
Clôture Précédente
24,59 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (857 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 10,8 | 10,2 |
| P/B | 1,1 | 1,1 |
| ROE % | 10,3 | 11,7 |
| Net Margin % | 23,7 | 16,8 |
| Rev Growth 5Y % | 13,3 | 11,7 |
| D/E | 0,0 | 0,5 |
Objectif de Cours des Analystes
Hold
27,83 €
+15.1%
Low: 27,50 €
High: 28,00 €
P/E Prévisionnel
10,96
BPA Prévisionnel
2,23 €
Croissance BPA (est.)
+0,0%
CA Est.
901,77M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
2,37 €
2,30 € – 2,45 €
|
932,75M | 7 |
| FY2026 |
2,23 €
2,21 € – 2,25 €
|
901,77M | 7 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-30 | 0,55 € | 0,56 € | +1,6% |
| 2025-10-24 | 0,52 € | 0,59 € | +13,0% |
| 2025-07-25 | 0,49 € | 0,58 € | +18,4% |
| 2025-04-23 | 0,46 € | 0,47 € | +2,2% |
| 2025-01-31 | 0,40 € | 0,41 € | +2,5% |
| 2024-10-25 | 0,44 € | 0,48 € | +9,1% |
| 2024-07-26 | 0,43 € | 0,48 € | +11,6% |
| 2024-04-26 | 0,42 € | 0,42 € | 0,0% |
Dividend History
7 yr streakYield
0,04%
Payout Ratio
0,47%
Growth (3Y)
0,00%
Growth (5Y)
0,00%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 13, 2026 | Feb 27, 2026 | 0,26 € | 3,95% |
| Nov 17, 2025 | Nov 28, 2025 | 0,26 € | 4,45% |
| Aug 18, 2025 | Aug 29, 2025 | 0,26 € | 4,23% |
| May 19, 2025 | May 30, 2025 | 0,26 € | 4,29% |
| Feb 14, 2025 | Feb 28, 2025 | 0,26 € | 3,83% |
| Nov 18, 2024 | Nov 29, 2024 | 0,26 € | 3,86% |
| Aug 19, 2024 | Aug 30, 2024 | 0,26 € | 4,41% |
| May 17, 2024 | May 31, 2024 | 0,26 € | 4,74% |
| Feb 15, 2024 | Mar 01, 2024 | 0,26 € | 4,79% |
| Nov 17, 2023 | Dec 01, 2023 | 0,26 € | 5,36% |
| Aug 18, 2023 | Sep 01, 2023 | 0,26 € | 5,41% |
| May 19, 2023 | Jun 02, 2023 | 0,26 € | 6,24% |
| Feb 16, 2023 | Mar 03, 2023 | 0,26 € | 3,88% |
| Nov 18, 2022 | Dec 02, 2022 | 0,26 € | 4,04% |
| Aug 19, 2022 | Sep 02, 2022 | 0,26 € | 3,86% |
| May 20, 2022 | Jun 03, 2022 | 0,26 € | 4,25% |
| Feb 17, 2022 | Mar 04, 2022 | 0,26 € | 3,60% |
| Nov 19, 2021 | Dec 03, 2021 | 0,26 € | 3,79% |
| Aug 20, 2021 | Sep 03, 2021 | 0,26 € | 3,81% |
| May 21, 2021 | Jun 04, 2021 | 0,26 € | 3,68% |
Points Clés
Revenue grew 13,30% annually over 5 years — strong growth
Earnings grew 20,05% over the past year
ROE of 10,26% — decent returns on equity
Net margin of 23,65% shows strong profitability
Debt/Equity of 0,00 — conservative balance sheet
Generating 303,29M in free cash flow
Croissance
Revenue Growth (5Y)
13,30%
Revenue (1Y)3,21%
Earnings (1Y)20,05%
FCF Growth (3Y)12,64%
Qualité
Return on Equity
10,26%
ROIC9,59%
Net Margin23,65%
Op. Margin30,32%
Sécurité
Debt / Equity
0,00
Current Ratio0,03
Interest Coverage1,23
Valorisation
P/E Ratio
10,75
Forward P/E10,96
P/B Ratio1,07
EV/EBITDA7,74
Dividend Yield0,04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 3,21% | Revenue Growth (3Y) | 3,40% |
| Earnings Growth (1Y) | 20,05% | Earnings Growth (3Y) | 8,43% |
| Revenue Growth (5Y) | 13,30% | Earnings Growth (5Y) | 0,98% |
| Profitability | |||
| Revenue (TTM) | 1,17B | Net Income (TTM) | 276,27M |
| ROE | 10,26% | ROA | 1,15% |
| Gross Margin | 73,06% | Operating Margin | 30,32% |
| Net Margin | 23,65% | Free Cash Flow (TTM) | 303,29M |
| ROIC | 9,59% | FCF Growth (3Y) | 12,64% |
| Safety | |||
| Debt / Equity | 0,00 | Current Ratio | 0,03 |
| Interest Coverage | 1,23 | ||
| Dividends | |||
| Dividend Yield | 0,04% | Payout Ratio | 0,47% |
| Dividend Growth (3Y) | 0,00% | Dividend Growth (5Y) | 0,00% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 10,75 | Forward P/E | 10,96 |
| P/B Ratio | 1,07 | P/S Ratio | 2,54 |
| PEG Ratio | 0,50 | Forward PEG | N/A |
| EV/EBITDA | 7,74 | Fwd EV/EBITDA | 7,66 |
| Forward P/S | 3,29 | Fwd Earnings Yield | 9,12% |
| FCF Yield | 10,21% | ||
| Market Cap | 2,97B | Enterprise Value | 2,74B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,17B | 1,13B | 1,09B | 811,76M | 708,98M |
| Net Income | 276,27M | 230,13M | 234,98M | 265,69M | 265,74M |
| EPS (Diluted) | 2,20 | 1,79 | 1,84 | 2,08 | 2,05 |
| Gross Profit | 853,59M | 759,96M | 778,69M | 760,69M | 729,23M |
| Operating Income | 354,24M | 292,60M | 309,17M | 351,21M | 349,00M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 23,96B | 23,83B | 24,93B | 24,58B | 24,99B |
| Total Liabilities | 21,19B | 21,21B | 22,44B | 22,31B | 22,34B |
| Shareholders' Equity | 2,77B | 2,62B | 2,49B | 2,27B | 2,66B |
| Total Debt | 0,0 | 250,00M | 500,00M | 75,00M | 0,0 |
| Cash & Equivalents | 228,73M | 1,17B | 1,74B | 526,62M | 1,26B |
| Current Assets | 306,38M | 1,69B | 4,46B | 4,05B | 9,98B |
| Current Liabilities | 10,84B | 20,67B | 21,83B | 21,87B | 21,82B |