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Fourchette du Jour
12,47 €
12,68 €
Fourchette 52 Semaines
11,77 €
15,63 €
Volume
1 452 863
Moyenne 50J / 200J
12,80 €
/
13,95 €
Clôture Précédente
12,45 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 8,8 | 10,3 |
| P/B | 0,8 | 1,1 |
| ROE % | 9,4 | 11,7 |
| Net Margin % | 54,7 | 16,9 |
| Rev Growth 5Y % | 13,5 | 11,6 |
| D/E | 1,2 | 0,5 |
Objectif de Cours des Analystes
Hold
14,00 €
+11.3%
Low: 13,00 €
High: 15,00 €
P/E Prévisionnel
8,76
BPA Prévisionnel
1,44 €
Croissance BPA (est.)
+0,0%
CA Est.
799,95M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
1,32 €
1,29 € – 1,36 €
|
764,32M | 1 |
| FY2027 |
1,30 €
1,21 € – 1,39 €
|
758,87M | 4 |
| FY2026 |
1,44 €
1,41 € – 1,46 €
|
799,95M | 4 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-04 | 0,38 € | 0,38 € | +0,2% |
| 2025-11-18 | 0,39 € | 0,39 € | -0,3% |
| 2025-08-04 | 0,38 € | 0,39 € | +2,6% |
| 2025-05-05 | 0,41 € | 0,39 € | -4,9% |
| 2025-02-04 | 0,43 € | 0,39 € | -9,3% |
| 2024-11-19 | 0,44 € | 0,47 € | +6,8% |
| 2024-08-05 | 0,49 € | 0,48 € | -2,0% |
| 2024-05-06 | 0,51 € | 0,55 € | +7,8% |
Dividend History
7 yr streakYield
0,10%
Payout Ratio
0,98%
Growth (3Y)
8,24%
Growth (5Y)
5,39%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 13, 2026 | Mar 30, 2026 | 0,33 € | 12,53% |
| Dec 12, 2025 | Dec 30, 2025 | 0,39 € | 11,34% |
| Sep 15, 2025 | Sep 29, 2025 | 0,39 € | 11,74% |
| Jun 13, 2025 | Jun 27, 2025 | 0,39 € | 11,91% |
| Mar 03, 2025 | Mar 28, 2025 | 0,39 € | 12,24% |
| Dec 09, 2024 | Dec 27, 2024 | 0,39 € | 12,75% |
| Nov 29, 2024 | Dec 13, 2024 | 0,09 € | 12,19% |
| Aug 30, 2024 | Sep 27, 2024 | 0,39 € | 12,69% |
| Aug 16, 2024 | Sep 13, 2024 | 0,10 € | 10,25% |
| Jun 13, 2024 | Jun 27, 2024 | 0,05 € | 11,44% |
| May 15, 2024 | Jun 14, 2024 | 0,06 € | 10,80% |
| May 01, 2024 | Jun 21, 2024 | 0,39 € | 10,01% |
| Feb 29, 2024 | Mar 29, 2024 | 0,39 € | 10,53% |
| Feb 14, 2024 | Mar 15, 2024 | 0,07 € | 8,06% |
| Dec 07, 2023 | Dec 29, 2023 | 0,37 € | 10,38% |
| Nov 30, 2023 | Dec 15, 2023 | 0,07 € | 7,66% |
| Aug 31, 2023 | Sep 29, 2023 | 0,37 € | 9,74% |
| Aug 17, 2023 | Sep 15, 2023 | 0,04 € | 7,01% |
| Jun 01, 2023 | Jun 29, 2023 | 0,33 € | 9,85% |
| Mar 02, 2023 | Mar 29, 2023 | 0,33 € | 9,24% |
Points Clés
Revenue grew 13,48% annually over 5 years — strong growth
Earnings grew 37,57% over the past year
Net margin of 54,71% shows strong profitability
Negative free cash flow of -113,59M
P/E of 8,79 — trading at a low valuation
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 31,24%
Croissance
Revenue Growth (5Y)
13,48%
Revenue (1Y)44,72%
Earnings (1Y)37,57%
FCF Growth (3Y)N/A
Qualité
Return on Equity
9,42%
ROIC3,17%
Net Margin54,71%
Op. Margin54,56%
Sécurité
Debt / Equity
1,23
Current Ratio5,35
Interest Coverage1,34
Valorisation
P/E Ratio
8,79
Forward P/E8,78
P/B Ratio0,83
EV/EBITDA21,80
Dividend Yield0,10%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 44,72% | Revenue Growth (3Y) | 26,88% |
| Earnings Growth (1Y) | 37,57% | Earnings Growth (3Y) | 20,68% |
| Revenue Growth (5Y) | 13,48% | Earnings Growth (5Y) | 2,57% |
| Profitability | |||
| Revenue (TTM) | 688,46M | Net Income (TTM) | 376,65M |
| ROE | 9,42% | ROA | 4,20% |
| Gross Margin | 59,24% | Operating Margin | 54,56% |
| Net Margin | 54,71% | Free Cash Flow (TTM) | -113,59M |
| ROIC | 3,17% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1,23 | Current Ratio | 5,35 |
| Interest Coverage | 1,34 | ||
| Dividends | |||
| Dividend Yield | 0,10% | Payout Ratio | 0,98% |
| Dividend Growth (3Y) | 8,24% | Dividend Growth (5Y) | 5,39% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 8,79 | Forward P/E | 8,78 |
| P/B Ratio | 0,83 | P/S Ratio | 4,81 |
| PEG Ratio | 2,19 | Forward PEG | N/A |
| EV/EBITDA | 21,80 | Fwd EV/EBITDA | 16,18 |
| Forward P/S | 4,14 | Fwd Earnings Yield | 11,39% |
| FCF Yield | -3,43% | ||
| Market Cap | 3,31B | Enterprise Value | 8,19B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 688,46M | 475,73M | 427,66M | 254,66M | 415,20M |
| Net Income | 376,65M | 273,79M | 258,63M | 153,44M | 340,28M |
| EPS (Diluted) | 1,42 | 1,36 | 1,52 | 0,90 | 2,03 |
| Gross Profit | 407,83M | 272,57M | 284,43M | 165,28M | 349,47M |
| Operating Income | 375,61M | 274,36M | 262,21M | 154,67M | 340,82M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 8,98B | 8,71B | 5,73B | 5,68B | 5,16B |
| Total Liabilities | 5,00B | 4,69B | 3,19B | 3,14B | 2,58B |
| Shareholders' Equity | 3,98B | 4,01B | 2,55B | 2,54B | 2,58B |
| Total Debt | 4,90B | 4,60B | 3,12B | 3,08B | 2,55B |
| Cash & Equivalents | 23,62M | 131,16M | 69,83M | 124,14M | 181,09M |
| Current Assets | 204,77M | 205,20M | 127,88M | 233,68M | 199,35M |
| Current Liabilities | 38,25M | 56,00M | 24,75M | 58,93M | 30,85M |