Terug
Dagbereik
€ 12,47
€ 12,68
52-Weeksbereik
€ 11,77
€ 15,63
Volume
1.452.863
50D / 200D Gem.
€ 12,80
/
€ 13,95
Vorige Slotkoers
€ 12,45
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 8,8 | 10,3 |
| P/B | 0,8 | 1,1 |
| ROE % | 9,4 | 11,6 |
| Net Margin % | 54,7 | 16,8 |
| Rev Growth 5Y % | 13,5 | 11,6 |
| D/E | 1,2 | 0,5 |
Koersdoel Analisten
Hold
€ 14,00
+11.3%
Low: € 13,00
High: € 15,00
Forward K/W
8,76
Forward WPA
€ 1,44
WPA Groei (sch.)
+0,0%
Omzet Sch.
799,95M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| 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% |
Belangrijkste Punten
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%
Groei
Revenue Growth (5Y)
13,48%
Revenue (1Y)44,72%
Earnings (1Y)37,57%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
9,42%
ROIC3,17%
Net Margin54,71%
Op. Margin54,56%
Veiligheid
Debt / Equity
1,23
Current Ratio5,35
Interest Coverage1,34
Waardering
P/E Ratio
8,79
Forward P/E8,76
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 | 8,76 |
| 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 | 11,42% |
| 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 |