Terug
Dagbereik
€ 41,69
€ 43,17
52-Weeksbereik
€ 30,95
€ 47,64
Volume
88.948
50D / 200D Gem.
€ 43,19
/
€ 40,95
Vorige Slotkoers
€ 41,48
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 11,5 | 10,3 |
| P/B | 1,2 | 1,1 |
| ROE % | 11,2 | 11,7 |
| Net Margin % | 22,0 | 16,8 |
| Rev Growth 5Y % | 17,1 | 11,7 |
| D/E | 0,3 | 0,5 |
Koersdoel Analisten
Geen analistendekking beschikbaar
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 3,70
€ 3,50 – € 3,89
|
220 M | 3 |
| FY2026 |
€ 3,40
€ 3,17 – € 3,64
|
210 M | 3 |
Insider Trading Activity
Buy ratio (90d)
0.0%
20 transactions
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| Feb 11, 2026 |
Pelletier Megan
EVP, Chief Ops & Ppl Officer
|
grant | 4.933 | — | — |
| Feb 11, 2026 |
Pelletier Megan
EVP, Chief Ops & Ppl Officer
|
other | 439 | € 44,04 | € 19.334 |
| Feb 11, 2026 |
Sprink John Francis II
EVP, Comm Banking Group Exec
|
grant | 3.352 | — | — |
| Feb 11, 2026 |
Sprink John Francis II
EVP, Comm Banking Group Exec
|
other | 503 | € 44,04 | € 22.152 |
| Feb 11, 2026 |
Westbrook Hunter
President, CEO
|
grant | 20.540 | — | — |
| Feb 11, 2026 |
Westbrook Hunter
President, CEO
|
other | 1.009 | € 44,04 | € 44.436 |
| Feb 11, 2026 |
POWELL KRISTIN Y.
EVP, Consumer & BB Group Exec
|
grant | 3.477 | — | — |
| Feb 11, 2026 |
POWELL KRISTIN Y.
EVP, Consumer & BB Group Exec
|
other | 732 | € 44,04 | € 32.237 |
| Feb 11, 2026 |
Sivley Charles F. Jr.
EVP, Chief Technology Officer
|
grant | 2.329 | — | — |
| Feb 11, 2026 |
Sivley Charles F. Jr.
EVP, Chief Technology Officer
|
other | 141 | € 44,04 | € 6.210 |
| Feb 11, 2026 |
VunCannon Tony J.
EVP, CFO and Treasurer
|
grant | 3.951 | — | — |
| Feb 11, 2026 |
VunCannon Tony J.
EVP, CFO and Treasurer
|
other | 492 | € 44,04 | € 21.668 |
| Feb 11, 2026 |
Nunley Kevin M.
EVP and Chief Credit Officer
|
grant | 2.407 | — | — |
| Feb 11, 2026 |
Nunley Kevin M.
EVP and Chief Credit Officer
|
other | 232 | € 44,04 | € 10.217 |
| Feb 11, 2026 |
Jex Lora
EVP and Chief Risk Officer
|
grant | 2.407 | — | — |
| Feb 11, 2026 |
Jex Lora
EVP and Chief Risk Officer
|
other | 254 | € 44,04 | € 11.186 |
| Feb 6, 2026 |
Sprink John Francis II
EVP
|
other | 4.000 | € 17,35 | — |
| Feb 6, 2026 |
Sprink John Francis II
EVP
|
sell | 2.000 | € 45,00 | € 90.000 |
| Aug 22, 2025 |
POWELL KRISTIN Y.
EVP
|
other | 4.000 | € 17,35 | — |
| Aug 22, 2025 |
POWELL KRISTIN Y.
EVP
|
sell | 2.000 | € 41,18 | € 82.354 |
Belangrijkste Punten
Revenue grew 17,14% annually over 5 years — strong growth
Earnings grew 17,44% over the past year
ROE of 11,17% — decent returns on equity
Net margin of 22,01% shows strong profitability
Debt/Equity of 0,29 — conservative balance sheet
Generating 26,61M in free cash flow
Groei
Revenue Growth (5Y)
17,14%
Revenue (1Y)-0,88%
Earnings (1Y)17,44%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
11,17%
ROIC7,83%
Net Margin22,01%
Op. Margin27,68%
Veiligheid
Debt / Equity
0,29
Current Ratio0,06
Interest Coverage1,02
Waardering
P/E Ratio
11,49
P/B Ratio1,23
EV/EBITDA11,12
Dividend Yield0,01%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -0,88% | Revenue Growth (3Y) | 4,89% |
| Earnings Growth (1Y) | 17,44% | Earnings Growth (3Y) | 13,41% |
| Revenue Growth (5Y) | 17,14% | Earnings Growth (5Y) | 15,91% |
| Profitability | |||
| Revenue (TTM) | 292,47M | Net Income (TTM) | 64,36M |
| ROE | 11,17% | ROA | 1,42% |
| Gross Margin | 70,48% | Operating Margin | 27,68% |
| Net Margin | 22,01% | Free Cash Flow (TTM) | 26,61M |
| ROIC | 7,83% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0,29 | Current Ratio | 0,06 |
| Interest Coverage | 1,02 | Dividend Yield | 0,01% |
| Valuation | |||
| P/E Ratio | 11,49 | P/B Ratio | 1,23 |
| P/S Ratio | 2,53 | PEG Ratio | 0,63 |
| EV/EBITDA | 11,12 | Dividend Yield | 0,01% |
| Market Cap | 739,45M | Enterprise Value | 900,26M |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 292,47M | 295,07M | 265,82M | 216,08M | 155,31M |
| Net Income | 64,36M | 54,81M | 50,04M | 44,60M | 35,65M |
| EPS (Diluted) | 3,72 | 3,20 | 2,97 | 2,80 | 2,23 |
| Gross Profit | 206,13M | 194,59M | 185,68M | 170,98M | 150,56M |
| Operating Income | 80,96M | 69,91M | 63,32M | 57,16M | 45,38M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 4,55B | 4,60B | 4,67B | 4,61B | 3,55B |
| Total Liabilities | 3,94B | 4,04B | 4,17B | 4,14B | 3,16B |
| Shareholders' Equity | 600,69M | 551,76M | 499,89M | 471,19M | 388,85M |
| Total Debt | 175,22M | 10,12M | 133,78M | 210,23M | 0,0 |
| Cash & Equivalents | 14,41M | 307,76M | 381,86M | 336,65M | 323,10M |
| Current Assets | 172,92M | 644,09M | 676,01M | 645,62M | 588,41M |
| Current Liabilities | 2,79B | 3,78B | 3,79B | 3,80B | 3,10B |