Terug
Dagbereik
€ 35,28
€ 35,91
52-Weeksbereik
€ 27,35
€ 40,41
Volume
120.723
50D / 200D Gem.
€ 37,02
/
€ 33,79
Vorige Slotkoers
€ 35,34
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 13,2 | 10,3 |
| P/B | 1,0 | 1,1 |
| ROE % | 7,6 | 11,7 |
| Net Margin % | 10,2 | 16,9 |
| Rev Growth 5Y % | -3,2 | 11,6 |
| D/E | 0,4 | 0,5 |
Koersdoel Analisten
Hold
€ 36,00
+1.2%
Forward K/W
16,98
Forward WPA
€ 2,09
WPA Groei (sch.)
+0,0%
Omzet Sch.
1,25B
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 2,32
€ 2,25 – € 2,40
|
1,31B | 3 |
| FY2026 |
€ 2,09
€ 1,92 – € 2,37
|
1,25B | 3 |
No quarterly estimates available
Dividend History
7 yr streakYield
0,02%
Payout Ratio
0,27%
Growth (3Y)
6,27%
Growth (5Y)
14,87%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 13, 2026 | Feb 27, 2026 | € 0,20 | 1,88% |
| Nov 07, 2025 | Nov 21, 2025 | € 0,18 | 2,18% |
| Aug 15, 2025 | Aug 29, 2025 | € 0,18 | 2,22% |
| May 08, 2025 | May 22, 2025 | € 0,18 | 2,30% |
| Feb 13, 2025 | Feb 27, 2025 | € 0,18 | 2,16% |
| Nov 08, 2024 | Nov 22, 2024 | € 0,17 | 2,09% |
| Aug 16, 2024 | Aug 30, 2024 | € 0,17 | 2,14% |
| May 09, 2024 | May 24, 2024 | € 0,17 | 2,10% |
| Feb 09, 2024 | Feb 28, 2024 | € 0,17 | 2,10% |
| Nov 10, 2023 | Nov 28, 2023 | € 0,16 | 2,23% |
| Aug 10, 2023 | Aug 25, 2023 | € 0,16 | 2,02% |
| May 09, 2023 | May 25, 2023 | € 0,16 | 2,02% |
| Feb 09, 2023 | Feb 24, 2023 | € 0,16 | 1,81% |
| Nov 09, 2022 | Nov 25, 2022 | € 0,15 | 2,10% |
| Aug 11, 2022 | Aug 26, 2022 | € 0,15 | 1,96% |
| May 12, 2022 | May 27, 2022 | € 0,15 | 1,88% |
| Feb 14, 2022 | Feb 28, 2022 | € 0,15 | 1,57% |
| Nov 12, 2021 | Nov 30, 2021 | € 0,12 | 1,29% |
| Aug 12, 2021 | Aug 31, 2021 | € 0,12 | 1,35% |
| May 13, 2021 | May 28, 2021 | € 0,12 | 1,16% |
Belangrijkste Punten
Revenue declined -3,24% annually over 5 years
Earnings grew 46,27% over the past year
Debt/Equity of 0,43 — conservative balance sheet
Negative free cash flow of -95,10M
P/E of 13,17 — trading at a low valuation
PEG of 0,25 suggests growth is underpriced
Groei
Revenue Growth (5Y)
-3,24%
Revenue (1Y)5,45%
Earnings (1Y)46,27%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
7,60%
ROIC5,36%
Net Margin10,19%
Op. Margin13,60%
Veiligheid
Debt / Equity
0,43
Current Ratio0,24
Interest Coverage0,64
Waardering
P/E Ratio
13,17
Forward P/E16,98
P/B Ratio1,01
EV/EBITDA8,48
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 5,45% | Revenue Growth (3Y) | 3,96% |
| Earnings Growth (1Y) | 46,27% | Earnings Growth (3Y) | 22,89% |
| Revenue Growth (5Y) | -3,24% | Earnings Growth (5Y) | -18,45% |
| Profitability | |||
| Revenue (TTM) | 1,63B | Net Income (TTM) | 165,59M |
| ROE | 7,60% | ROA | 1,05% |
| Gross Margin | 78,42% | Operating Margin | 13,60% |
| Net Margin | 10,19% | Free Cash Flow (TTM) | -95,10M |
| ROIC | 5,36% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0,43 | Current Ratio | 0,24 |
| Interest Coverage | 0,64 | ||
| Dividends | |||
| Dividend Yield | 0,02% | Payout Ratio | 0,27% |
| Dividend Growth (3Y) | 6,27% | Dividend Growth (5Y) | 14,87% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 13,17 | Forward P/E | 16,98 |
| P/B Ratio | 1,01 | P/S Ratio | 1,34 |
| PEG Ratio | 0,25 | Forward PEG | N/A |
| EV/EBITDA | 8,48 | Fwd EV/EBITDA | 9,51 |
| Forward P/S | 1,74 | Fwd Earnings Yield | 5,89% |
| FCF Yield | -4,36% | ||
| Market Cap | 2,18B | Enterprise Value | 1,88B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,63B | 1,54B | 1,50B | 1,35B | 1,85B |
| Net Income | 165,59M | 113,21M | 109,65M | 113,13M | 374,50M |
| EPS (Diluted) | 2,64 | 1,74 | 1,69 | 1,60 | 4,61 |
| Gross Profit | 1,27B | 1,12B | 1,11B | 1,21B | 1,80B |
| Operating Income | 221,06M | 154,26M | 149,12M | 156,13M | 504,07M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 15,84B | 16,27B | 16,47B | 16,27B | 18,69B |
| Total Liabilities | 13,65B | 14,05B | 14,32B | 14,20B | 16,14B |
| Shareholders' Equity | 2,17B | 2,19B | 2,12B | 2,05B | 2,52B |
| Total Debt | 926,75M | 1,35B | 1,39B | 1,50B | 1,47B |
| Cash & Equivalents | 1,23B | 2,30B | 1,86B | 1,58B | 2,82B |
| Current Assets | 1,23B | 5,15B | 4,94B | 4,28B | 6,63B |
| Current Liabilities | 5,07B | 13,29B | 13,43B | 13,31B | 15,29B |