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Fourchette du Jour
26,50 €
27,21 €
Fourchette 52 Semaines
19,46 €
29,88 €
Volume
64 352
Moyenne 50J / 200J
27,40 €
/
25,65 €
Clôture Précédente
26,21 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 10,9 | 10,3 |
| P/B | 1,4 | 1,1 |
| ROE % | 13,3 | 11,7 |
| Net Margin % | 26,3 | 16,8 |
| Rev Growth 5Y % | 15,6 | 11,7 |
| D/E | 0,1 | 0,5 |
Objectif de Cours des Analystes
Hold
28,17 €
+5.8%
Low: 27,00 €
High: 30,00 €
P/E Prévisionnel
9,3
BPA Prévisionnel
2,87 €
Croissance BPA (est.)
+0,0%
CA Est.
310 M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
3,06 €
3,03 € – 3,08 €
|
340 M | 4 |
| FY2026 |
2,87 €
2,82 € – 2,91 €
|
310 M | 4 |
Insider Trading Activity
Buy ratio (90d)
0.0%
20 transactions
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| Mar 16, 2026 |
HORVATH LAWRENCE J
EVP & Chief Lending Officer
|
sell | 5 000 | 26,60 € | 133 000 € |
| Mar 1, 2026 |
Ashworth James T
Director
|
grant | 288 951 | — | — |
| Mar 1, 2026 |
Ruyle Nancy L
Director
|
grant | 20 868 | — | — |
| Feb 28, 2026 |
ZURKAMER ANDREA E
EVP & Chief Risk Officer
|
grant | 2 336 | — | — |
| Feb 28, 2026 |
ZURKAMER ANDREA E
EVP & Chief Risk Officer
|
other | 790 | 26,96 € | 21 298 € |
| Feb 28, 2026 |
Baker Roger A
Director
|
grant | 600 | — | — |
| Feb 28, 2026 |
LANIER DIANE H
EVP & Chief Retail Officer
|
grant | 2 323 | — | — |
| Feb 28, 2026 |
CARTER JAMES LANCE
President and CEO
|
grant | 11 504 | — | — |
| Feb 28, 2026 |
CARTER JAMES LANCE
President and CEO
|
other | 3 475 | 26,96 € | 93 686 € |
| Feb 28, 2026 |
BURWELL ERIC E
Director
|
grant | 600 | — | — |
| Feb 28, 2026 |
DRAKE FRED L
Executive Chairman
|
grant | 10 426 | — | — |
| Feb 28, 2026 |
DRAKE FRED L
Executive Chairman
|
other | 3 788 | 26,96 € | 102 124 € |
| Feb 28, 2026 |
HORVATH LAWRENCE J
EVP & Chief Lending Officer
|
grant | 4 891 | — | — |
| Feb 28, 2026 |
HORVATH LAWRENCE J
EVP & Chief Lending Officer
|
other | 1 764 | 26,96 € | 47 557 € |
| Feb 28, 2026 |
PFEIFFER GERALD E
Director
|
grant | 600 | — | — |
| Feb 28, 2026 |
SCHEIRER MARK W
EVP & Chief Credit Officer
|
grant | 3 168 | — | — |
| Feb 28, 2026 |
SCHEIRER MARK W
EVP & Chief Credit Officer
|
other | 1 057 | 26,96 € | 28 497 € |
| Feb 28, 2026 |
Chapman Peter Robert
EVP & CFO
|
grant | 6 818 | — | — |
| Feb 28, 2026 |
Chapman Peter Robert
EVP & CFO
|
other | 6 095 | 26,96 € | 164 321 € |
| Feb 28, 2026 |
DRAKE ALLEN C
Director
|
grant | 600 | — | — |
Points Clés
Revenue grew 15,60% annually over 5 years — strong growth
ROE of 13,28% — decent returns on equity
Net margin of 26,25% shows strong profitability
Debt/Equity of 0,11 — conservative balance sheet
Generating 73,02M in free cash flow
P/E of 10,87 — trading at a low valuation
Croissance
Revenue Growth (5Y)
15,60%
Revenue (1Y)2,84%
Earnings (1Y)7,28%
FCF Growth (3Y)7,92%
Qualité
Return on Equity
13,28%
ROIC11,51%
Net Margin26,25%
Op. Margin35,63%
Sécurité
Debt / Equity
0,11
Current Ratio0,28
Interest Coverage1,84
Valorisation
P/E Ratio
10,87
P/B Ratio1,36
EV/EBITDA8,40
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 2,84% | Revenue Growth (3Y) | 5,48% |
| Earnings Growth (1Y) | 7,28% | Earnings Growth (3Y) | 8,15% |
| Revenue Growth (5Y) | 15,60% | Earnings Growth (5Y) | 8,16% |
| Profitability | |||
| Revenue (TTM) | 293,33M | Net Income (TTM) | 77,01M |
| ROE | 13,28% | ROA | 1,52% |
| Gross Margin | 80,03% | Operating Margin | 35,63% |
| Net Margin | 26,25% | Free Cash Flow (TTM) | 73,02M |
| ROIC | 11,51% | FCF Growth (3Y) | 7,92% |
| Safety | |||
| Debt / Equity | 0,11 | Current Ratio | 0,28 |
| Interest Coverage | 1,84 | Dividend Yield | 0,03% |
| Valuation | |||
| P/E Ratio | 10,87 | P/B Ratio | 1,36 |
| P/S Ratio | 2,85 | PEG Ratio | 1,41 |
| EV/EBITDA | 8,40 | Dividend Yield | 0,03% |
| Market Cap | 836,72M | Enterprise Value | 877,50M |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 293,33M | 285,22M | 263,64M | 186,72M | 164,23M |
| Net Income | 77,01M | 71,78M | 65,84M | 56,46M | 56,27M |
| EPS (Diluted) | 2,44 | 2,26 | 2,07 | 2,09 | 2,02 |
| Gross Profit | 234,74M | 219,33M | 218,14M | 180,25M | 166,49M |
| Operating Income | 104,51M | 97,38M | 88,58M | 76,19M | 76,56M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 5,07B | 5,03B | 5,07B | 4,29B | 4,31B |
| Total Liabilities | 4,46B | 4,49B | 4,58B | 3,91B | 3,90B |
| Shareholders' Equity | 615,50M | 544,61M | 489,50M | 373,63M | 411,88M |
| Total Debt | 65,21M | 134,60M | 147,33M | 280,26M | 138,29M |
| Cash & Equivalents | 24,42M | 137,69M | 141,76M | 114,16M | 409,76M |
| Current Assets | 861,30M | 214,75M | 925,76M | 977,19M | 1,37B |
| Current Liabilities | 3,03B | 4,35B | 4,44B | 3,63B | 3,80B |