Terug
Dagbereik
€ 26,25
€ 26,92
52-Weeksbereik
€ 24,22
€ 30,83
Volume
1.074.582
50D / 200D Gem.
€ 28,36
/
€ 28,36
Vorige Slotkoers
€ 26,51
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 11,0 | 10,3 |
| P/B | 1,2 | 1,1 |
| ROE % | 11,5 | 11,7 |
| Net Margin % | 34,6 | 16,8 |
| Rev Growth 5Y % | 16,3 | 11,6 |
| D/E | 0,2 | 0,5 |
Koersdoel Analisten
Hold
€ 33,00
+24.1%
Low: € 31,00
High: € 35,00
Forward K/W
10,5
Forward WPA
€ 2,52
WPA Groei (sch.)
+0,0%
Omzet Sch.
1,2 B
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2028 |
€ 2,79
€ 2,73 – € 2,85
|
1,3 B | 3 |
| FY2027 |
€ 2,65
€ 2,60 – € 2,69
|
1,2 B | 6 |
| FY2026 |
€ 2,52
€ 2,49 – € 2,53
|
1,2 B | 6 |
Belangrijkste Punten
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
Groei
Revenue Growth (5Y)
16,27%
Revenue (1Y)-5,35%
Earnings (1Y)18,20%
FCF Growth (3Y)16,20%
Kwaliteit
Return on Equity
11,51%
ROIC8,62%
Net Margin34,59%
Op. Margin43,75%
Veiligheid
Debt / Equity
0,22
Current Ratio0,18
Interest Coverage1,47
Waardering
P/E Ratio
11,00
P/B Ratio1,22
EV/EBITDA9,14
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 | Dividend Yield | 0,03% |
| Valuation | |||
| P/E Ratio | 11,00 | P/B Ratio | 1,22 |
| P/S Ratio | 3,81 | PEG Ratio | 0,58 |
| EV/EBITDA | 9,14 | Dividend Yield | 0,03% |
| 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 |