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Fourchette du Jour
26,35 €
26,92 €
Fourchette 52 Semaines
24,22 €
30,83 €
Volume
819 590
Moyenne 50J / 200J
28,36 €
/
28,36 €
Clôture Précédente
26,60 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 11,0 | 10,3 |
| P/B | 1,2 | 1,1 |
| ROE % | 11,5 | 11,6 |
| Net Margin % | 34,6 | 16,8 |
| Rev Growth 5Y % | 16,3 | 11,6 |
| D/E | 0,2 | 0,5 |
Objectif de Cours des Analystes
Hold
33,00 €
+24.0%
Low: 31,00 €
High: 35,00 €
P/E Prévisionnel
10,58
BPA Prévisionnel
2,52 €
Croissance BPA (est.)
+0,0%
CA Est.
1,17B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
2,79 €
2,73 € – 2,85 €
|
1,25B | 3 |
| FY2027 |
2,65 €
2,60 € – 2,69 €
|
1,23B | 6 |
| FY2026 |
2,52 €
2,49 € – 2,53 €
|
1,17B | 6 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-27 | N/A | 0,60 € | — |
| 2025-10-15 | 0,60 € | 0,61 € | +2,2% |
| 2025-07-16 | 0,58 € | 0,58 € | 0,0% |
| 2025-04-16 | 0,54 € | 0,56 € | +4,3% |
| 2025-01-15 | 0,53 € | 0,50 € | -5,7% |
| 2024-10-16 | 0,53 € | 0,50 € | -5,7% |
| 2024-07-17 | 0,49 € | 0,52 € | +6,1% |
| 2024-04-18 | 0,46 € | 0,49 € | +6,5% |
Dividend History
7 yr streakYield
0,03%
Payout Ratio
0,33%
Growth (3Y)
6,84%
Growth (5Y)
8,72%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 11, 2026 | Mar 04, 2026 | 0,21 € | 2,76% |
| Nov 12, 2025 | Dec 03, 2025 | 0,21 € | 2,94% |
| Aug 13, 2025 | Sep 03, 2025 | 0,20 € | 2,74% |
| May 14, 2025 | Jun 04, 2025 | 0,20 € | 2,69% |
| Feb 12, 2025 | Mar 05, 2025 | 0,20 € | 2,52% |
| Nov 13, 2024 | Dec 04, 2024 | 0,20 € | 2,44% |
| Aug 14, 2024 | Sep 04, 2024 | 0,20 € | 2,87% |
| May 14, 2024 | Jun 05, 2024 | 0,18 € | 2,91% |
| Feb 13, 2024 | Mar 06, 2024 | 0,18 € | 3,16% |
| Nov 14, 2023 | Dec 06, 2023 | 0,18 € | 3,27% |
| Aug 15, 2023 | Sep 06, 2023 | 0,18 € | 3,13% |
| May 16, 2023 | Jun 07, 2023 | 0,18 € | 3,39% |
| Feb 14, 2023 | Mar 08, 2023 | 0,18 € | 2,80% |
| Nov 15, 2022 | Dec 07, 2022 | 0,17 € | 2,57% |
| Aug 16, 2022 | Sep 07, 2022 | 0,17 € | 2,49% |
| May 17, 2022 | Jun 08, 2022 | 0,17 € | 2,90% |
| Feb 15, 2022 | Mar 09, 2022 | 0,17 € | 2,45% |
| Nov 16, 2021 | Dec 08, 2021 | 0,14 € | 2,15% |
| Aug 10, 2021 | Sep 01, 2021 | 0,14 € | 2,55% |
| May 11, 2021 | Jun 02, 2021 | 0,14 € | 1,99% |
Points Clés
Revenue grew 16,27% annually over 5 years — strong growth
Earnings grew 18,20% over the past year
ROE of 11,51% — decent returns on equity
Net margin of 34,59% shows strong profitability
Debt/Equity of 0,22 — conservative balance sheet
Generating 482,33M in free cash flow
Croissance
Revenue Growth (5Y)
16,27%
Revenue (1Y)-5,35%
Earnings (1Y)18,20%
FCF Growth (3Y)16,20%
Qualité
Return on Equity
11,51%
ROIC8,62%
Net Margin34,59%
Op. Margin43,75%
Sécurité
Debt / Equity
0,22
Current Ratio0,18
Interest Coverage1,47
Valorisation
P/E Ratio
11,01
Forward P/E10,58
P/B Ratio1,22
EV/EBITDA9,15
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -5,35% | Revenue Growth (3Y) | 1,79% |
| Earnings Growth (1Y) | 18,20% | Earnings Growth (3Y) | 10,00% |
| Revenue Growth (5Y) | 16,27% | Earnings Growth (5Y) | 10,49% |
| Profitability | |||
| Revenue (TTM) | 1,37B | Net Income (TTM) | 475,44M |
| ROE | 11,51% | ROA | 2,08% |
| Gross Margin | 77,30% | Operating Margin | 43,75% |
| Net Margin | 34,59% | Free Cash Flow (TTM) | 482,33M |
| ROIC | 8,62% | FCF Growth (3Y) | 16,20% |
| Safety | |||
| Debt / Equity | 0,22 | Current Ratio | 0,18 |
| Interest Coverage | 1,47 | ||
| Dividends | |||
| Dividend Yield | 0,03% | Payout Ratio | 0,33% |
| Dividend Growth (3Y) | 6,84% | Dividend Growth (5Y) | 8,72% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 11,01 | Forward P/E | 10,58 |
| P/B Ratio | 1,22 | P/S Ratio | 3,81 |
| PEG Ratio | 0,58 | Forward PEG | N/A |
| EV/EBITDA | 9,15 | Fwd EV/EBITDA | 10,52 |
| Forward P/S | 4,47 | Fwd Earnings Yield | 9,45% |
| FCF Yield | 9,21% | ||
| Market Cap | 5,23B | Enterprise Value | 5,50B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,37B | 1,45B | 1,33B | 1,04B | 751,98M |
| Net Income | 475,44M | 402,24M | 392,93M | 305,26M | 319,02M |
| EPS (Diluted) | 2,41 | 2,01 | 1,94 | 1,57 | 1,94 |
| Gross Profit | 1,06B | 952,60M | 967,81M | 855,30M | 704,54M |
| Operating Income | 601,31M | 522,34M | 511,88M | 394,58M | 416,78M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 22,88B | 22,49B | 22,66B | 22,88B | 18,05B |
| Total Liabilities | 18,59B | 18,53B | 18,87B | 19,36B | 15,29B |
| Shareholders' Equity | 4,30B | 3,96B | 3,79B | 3,53B | 2,77B |
| Total Debt | 935,32M | 1,20B | 1,88B | 1,22B | 911,98M |
| Cash & Equivalents | 670,34M | 910,35M | 1,00B | 724,79M | 3,65B |
| Current Assets | 3,11B | 2,77B | 4,63B | 4,87B | 6,82B |
| Current Liabilities | 17,64B | 17,31B | 17,12B | 18,27B | 14,52B |