Retour
Fourchette du Jour
19,85 €
20,37 €
Fourchette 52 Semaines
14,33 €
22,99 €
Volume
2 391 426
Moyenne 50J / 200J
20,76 €
/
19,11 €
Clôture Précédente
19,62 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 9,1 | 10,3 |
| P/B | 1,0 | 1,1 |
| ROE % | 11,7 | 11,7 |
| Net Margin % | 20,7 | 16,8 |
| Rev Growth 5Y % | 17,4 | 11,7 |
| D/E | 0,4 | 0,5 |
Objectif de Cours des Analystes
Hold
21,00 €
+5.7%
P/E Prévisionnel
9,8
BPA Prévisionnel
2,02 €
Croissance BPA (est.)
+0,0%
CA Est.
1,4 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
2,31 €
2,27 € – 2,34 €
|
1,5 B | 3 |
| FY2026 |
2,02 €
1,97 € – 2,07 €
|
1,4 B | 3 |
Points Clés
Revenue grew 17,35% annually over 5 years — strong growth
Earnings grew 35,63% over the past year
ROE of 11,71% — decent returns on equity
Net margin of 20,71% shows strong profitability
Debt/Equity of 0,37 — conservative balance sheet
Generating 284,34M in free cash flow
Croissance
Revenue Growth (5Y)
17,35%
Revenue (1Y)5,03%
Earnings (1Y)35,63%
FCF Growth (3Y)-7,18%
Qualité
Return on Equity
11,71%
ROIC7,61%
Net Margin20,71%
Op. Margin25,68%
Sécurité
Debt / Equity
0,37
Current Ratio0,05
Interest Coverage0,84
Valorisation
P/E Ratio
9,13
P/B Ratio1,02
EV/EBITDA9,47
Dividend Yield0,04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 5,03% | Revenue Growth (3Y) | 12,25% |
| Earnings Growth (1Y) | 35,63% | Earnings Growth (3Y) | 17,37% |
| Revenue Growth (5Y) | 17,35% | Earnings Growth (5Y) | 9,19% |
| Profitability | |||
| Revenue (TTM) | 1,89B | Net Income (TTM) | 391,61M |
| ROE | 11,71% | ROA | 1,22% |
| Gross Margin | 67,42% | Operating Margin | 25,68% |
| Net Margin | 20,71% | Free Cash Flow (TTM) | 284,34M |
| ROIC | 7,61% | FCF Growth (3Y) | -7,18% |
| Safety | |||
| Debt / Equity | 0,37 | Current Ratio | 0,05 |
| Interest Coverage | 0,84 | Dividend Yield | 0,04% |
| Valuation | |||
| P/E Ratio | 9,13 | P/B Ratio | 1,02 |
| P/S Ratio | 1,89 | PEG Ratio | 0,28 |
| EV/EBITDA | 9,47 | Dividend Yield | 0,04% |
| Market Cap | 3,58B | Enterprise Value | 4,60B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,89B | 1,80B | 1,50B | 1,09B | 997,16M |
| Net Income | 391,61M | 288,74M | 284,28M | 286,98M | 275,50M |
| EPS (Diluted) | 2,08 | 1,57 | 1,64 | 1,67 | 1,62 |
| Gross Profit | 1,28B | 1,13B | 1,03B | 988,70M | 952,08M |
| Operating Income | 485,59M | 344,63M | 348,72M | 347,02M | 334,25M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 32,12B | 32,07B | 27,57B | 26,93B | 25,80B |
| Total Liabilities | 28,63B | 28,87B | 24,81B | 24,35B | 23,08B |
| Shareholders' Equity | 3,49B | 3,20B | 2,76B | 2,58B | 2,71B |
| Total Debt | 1,30B | 1,78B | 2,49B | 2,87B | 1,45B |
| Cash & Equivalents | 271,46M | 1,06B | 532,31M | 668,02M | 1,64B |
| Current Assets | 1,31B | 3,84B | 3,41B | 3,73B | 5,16B |
| Current Liabilities | 27,29B | 26,72B | 22,42B | 21,74B | 22,41B |