Terug
Dagbereik
€ 36,62
€ 37,34
52-Weeksbereik
€ 21,98
€ 40,01
Volume
832.514
50D / 200D Gem.
€ 35,76
/
€ 30,86
Vorige Slotkoers
€ 36,41
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 25,5 | 10,3 |
| P/B | 1,8 | 1,1 |
| ROE % | 7,5 | 11,6 |
| Net Margin % | 46,1 | 16,8 |
| Rev Growth 5Y % | 4,2 | 11,6 |
| D/E | 2,0 | 0,5 |
Koersdoel Analisten
Hold
€ 44,50
+20.9%
Low: € 38,00
High: € 50,00
Forward K/W
12,53
Forward WPA
€ 2,94
WPA Groei (sch.)
+0,0%
Omzet Sch.
468,30M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2030 |
€ 4,31
€ 2,96 – € 5,09
|
699,73M | 2 |
| FY2029 |
€ 3,95
€ 2,71 – € 4,67
|
624,55M | 2 |
| FY2028 |
€ 3,60
€ 2,51 – € 5,09
|
579,21M | 4 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-12 | € 0,66 | € 0,67 | +1,7% |
| 2025-11-06 | € 0,69 | € 0,80 | +15,9% |
| 2025-08-07 | € 0,62 | € 0,60 | -3,2% |
| 2025-05-07 | € 0,64 | € 0,64 | 0,0% |
| 2025-02-13 | € 0,58 | € 0,62 | +6,9% |
| 2024-11-07 | € 0,55 | € 0,52 | -5,5% |
| 2024-08-01 | € 0,58 | € 0,63 | +8,6% |
| 2024-05-07 | € 0,57 | € 0,68 | +19,3% |
Insider Trading Activity
Buy ratio (90d)
0.0%
15 transactions
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| Mar 5, 2026 |
Viral Amin A
EVP, Chief Risk Officer
|
other | 679 | € 36,43 | € 24.735,97 |
| Mar 5, 2026 |
Whicher Michelle
Chief Accounting Officer
|
other | 2.238 | € 36,43 | € 81.530,34 |
| Mar 2, 2026 |
Viral Amin A
EVP, Chief Risk Officer
|
grant | 20.645 | — | — |
| Mar 2, 2026 |
Melko Charles
CFO & Treasurer
|
grant | 34.500 | — | — |
| Mar 2, 2026 |
Whicher Michelle
Chief Accounting Officer
|
grant | 10.246 | — | — |
| Mar 2, 2026 |
Lipson Jeffrey
Chief Executive Officer
|
grant | 238.500 | — | — |
| Mar 2, 2026 |
Gopalakrishnan Nitya
Chief Operating Officer
|
grant | 28.500 | — | — |
| Mar 2, 2026 |
Pangburn Marc T.
Chief Rev And Strategy Officer
|
grant | 100.500 | — | — |
| Mar 2, 2026 |
Nickey Susan D
EVP and Chief Client Officer
|
grant | 60.000 | — | — |
| Feb 17, 2026 |
Eckel Jeffrey
Director
|
sell | 134.398 | € 39,22 | € 5.272.217,56 |
| Sep 16, 2025 |
Gopalakrishnan Nitya
Chief Operating Officer
|
grant | 20.000 | — | — |
| Jun 4, 2025 |
Eckel Jeffrey
Director
|
grant | 5.166 | — | — |
| Jun 4, 2025 |
O'Neil Charles
Director
|
grant | 5.166 | — | — |
| Jun 4, 2025 |
Reed Kimberly A.
Director
|
grant | 5.166 | — | — |
| May 15, 2025 |
Whicher Michelle
Chief Accounting Officer
|
other | 629 | € 28,35 | € 17.832,15 |
Dividend History
7 yr streakYield
0,05%
Payout Ratio
1,14%
Growth (3Y)
3,85%
Growth (5Y)
4,32%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Apr 02, 2026 | Apr 17, 2026 | € 0,43 | 4,58% |
| Dec 29, 2025 | Jan 09, 2026 | € 0,42 | 5,19% |
| Oct 03, 2025 | Oct 17, 2025 | € 0,42 | 5,46% |
| Jul 02, 2025 | Jul 11, 2025 | € 0,42 | 6,14% |
| Apr 04, 2025 | Apr 18, 2025 | € 0,42 | 6,15% |
| Dec 30, 2024 | Jan 10, 2025 | € 0,42 | 6,21% |
| Oct 04, 2024 | Oct 18, 2024 | € 0,42 | 4,74% |
| Jul 03, 2024 | Jul 12, 2024 | € 0,42 | 5,59% |
| Apr 04, 2024 | Apr 19, 2024 | € 0,42 | 6,03% |
| Dec 28, 2023 | Jan 12, 2024 | € 0,40 | 5,62% |
| Oct 03, 2023 | Oct 11, 2023 | € 0,39 | 9,45% |
| Jul 03, 2023 | Jul 12, 2023 | € 0,39 | 6,23% |
| Mar 31, 2023 | Apr 10, 2023 | € 0,39 | 5,32% |
| Dec 27, 2022 | Jan 06, 2023 | € 0,38 | 5,08% |
| Oct 03, 2022 | Oct 11, 2022 | € 0,38 | 4,89% |
| Jul 01, 2022 | Jul 12, 2022 | € 0,38 | 3,82% |
| Apr 01, 2022 | Apr 11, 2022 | € 0,38 | 2,96% |
| Dec 27, 2021 | Jan 11, 2022 | € 0,35 | 2,65% |
| Sep 30, 2021 | Oct 08, 2021 | € 0,35 | 2,60% |
| Jul 01, 2021 | Jul 09, 2021 | € 0,35 | 2,47% |
Belangrijkste Punten
Revenue grew 4,21% annually over 5 years — modest growth
Net margin of 46,08% shows strong profitability
Generating 226,73M in free cash flow
Revenue growth is decelerating — 1Y growth trails 5Y average by 40,79%
Cash machine — converts 122,86% of earnings into free cash flow
Capital efficient — spends only 0,00% of revenue on capex
Groei
Revenue Growth (5Y)
4,21%
Revenue (1Y)-36,58%
Earnings (1Y)-7,74%
FCF Growth (3Y)50,81%
Kwaliteit
Return on Equity
7,51%
ROIC2,60%
Net Margin46,08%
Op. Margin66,22%
Veiligheid
Debt / Equity
1,97
Current Ratio255,93
Interest Coverage0,91
Waardering
P/E Ratio
25,48
Forward P/E12,53
P/B Ratio1,83
EV/EBITDA36,32
Dividend Yield0,05%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -36,58% | Revenue Growth (3Y) | -6,78% |
| Earnings Growth (1Y) | -7,74% | Earnings Growth (3Y) | 11,35% |
| Revenue Growth (5Y) | 4,21% | Earnings Growth (5Y) | 9,88% |
| Profitability | |||
| Revenue (TTM) | 400,50M | Net Income (TTM) | 184,55M |
| ROE | 7,51% | ROA | 2,25% |
| Gross Margin | 99,61% | Operating Margin | 66,22% |
| Net Margin | 46,08% | Free Cash Flow (TTM) | 226,73M |
| ROIC | 2,60% | FCF Growth (3Y) | 50,81% |
| Safety | |||
| Debt / Equity | 1,97 | Current Ratio | 255,93 |
| Interest Coverage | 0,91 | ||
| Dividends | |||
| Dividend Yield | 0,05% | Payout Ratio | 1,14% |
| Dividend Growth (3Y) | 3,85% | Dividend Growth (5Y) | 4,32% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 25,48 | Forward P/E | 12,53 |
| P/B Ratio | 1,83 | P/S Ratio | 11,74 |
| PEG Ratio | -1,57 | Forward PEG | N/A |
| EV/EBITDA | 36,32 | Fwd EV/EBITDA | 41,63 |
| Forward P/S | 10,04 | Fwd Earnings Yield | 7,98% |
| FCF Yield | 4,82% | ||
| Market Cap | 4,70B | Enterprise Value | 9,63B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 400,50M | 631,47M | 460,85M | 271,03M | 339,59M |
| Net Income | 184,55M | 200,04M | 148,84M | 41,50M | 126,58M |
| EPS (Diluted) | 1,41 | 1,62 | 1,42 | 0,45 | 1,51 |
| Gross Profit | 398,94M | 389,11M | 289,84M | 155,47M | 217,88M |
| Operating Income | 265,22M | 273,83M | 182,38M | 49,29M | 144,50M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 8,19B | 7,08B | 6,55B | 4,76B | 4,15B |
| Total Liabilities | 5,53B | 4,68B | 4,41B | 3,10B | 2,58B |
| Shareholders' Equity | 2,57B | 2,34B | 2,09B | 1,63B | 1,54B |
| Total Debt | 5,08B | 4,40B | 4,25B | 2,98B | 2,49B |
| Cash & Equivalents | 145,22M | 129,76M | 62,63M | 155,71M | 226,20M |
| Current Assets | 3,84B | 3,10B | 3,17B | 2,23B | 1,67B |
| Current Liabilities | 15,00M | 275,64M | 163,31M | 120,11M | 88,87M |