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Fourchette du Jour
62,52 €
63,92 €
Fourchette 52 Semaines
43,90 €
75,43 €
Volume
1 466 294
Moyenne 50J / 200J
67,59 €
/
62,22 €
Clôture Précédente
61,29 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 10,5 | 10,3 |
| P/B | 1,2 | 1,1 |
| ROE % | 11,3 | 11,7 |
| Net Margin % | 24,1 | 16,8 |
| Rev Growth 5Y % | 10,7 | 11,7 |
| D/E | 0,3 | 0,5 |
Objectif de Cours des Analystes
Hold
77,75 €
+24.0%
Low: 76,00 €
High: 79,00 €
P/E Prévisionnel
9,9
BPA Prévisionnel
6,34 €
Croissance BPA (est.)
+0,0%
CA Est.
1,6 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
7,35 €
7,27 € – 7,45 €
|
1,7 B | 5 |
| FY2027 |
6,79 €
6,66 € – 6,93 €
|
1,7 B | 7 |
| FY2026 |
6,34 €
6,15 € – 6,51 €
|
1,6 B | 6 |
Points Clés
Revenue grew 10,67% annually over 5 years — strong growth
ROE of 11,32% — decent returns on equity
Net margin of 24,08% shows strong profitability
Debt/Equity of 0,30 — conservative balance sheet
Generating 523,06M in free cash flow
P/E of 10,54 — trading at a low valuation
Croissance
Revenue Growth (5Y)
10,67%
Revenue (1Y)-1,52%
Earnings (1Y)5,48%
FCF Growth (3Y)5,47%
Qualité
Return on Equity
11,32%
ROIC8,09%
Net Margin24,08%
Op. Margin31,00%
Sécurité
Debt / Equity
0,30
Current Ratio0,13
Interest Coverage1,23
Valorisation
P/E Ratio
10,54
P/B Ratio1,15
EV/EBITDA9,43
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -1,52% | Revenue Growth (3Y) | 3,35% |
| Earnings Growth (1Y) | 5,48% | Earnings Growth (3Y) | 11,27% |
| Revenue Growth (5Y) | 10,67% | Earnings Growth (5Y) | 1,21% |
| Profitability | |||
| Revenue (TTM) | 2,02B | Net Income (TTM) | 486,07M |
| ROE | 11,32% | ROA | 1,37% |
| Gross Margin | 73,05% | Operating Margin | 31,00% |
| Net Margin | 24,08% | Free Cash Flow (TTM) | 523,06M |
| ROIC | 8,09% | FCF Growth (3Y) | 5,47% |
| Safety | |||
| Debt / Equity | 0,30 | Current Ratio | 0,13 |
| Interest Coverage | 1,23 | Dividend Yield | 0,03% |
| Valuation | |||
| P/E Ratio | 10,54 | P/B Ratio | 1,15 |
| P/S Ratio | 2,54 | PEG Ratio | 1,41 |
| EV/EBITDA | 9,43 | Dividend Yield | 0,03% |
| Market Cap | 5,12B | Enterprise Value | 5,90B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 2,02B | 2,05B | 1,89B | 1,47B | 1,35B |
| Net Income | 486,07M | 460,82M | 392,60M | 524,09M | 463,22M |
| EPS (Diluted) | 5,68 | 5,28 | 4,50 | 5,98 | 5,22 |
| Gross Profit | 1,47B | 1,39B | 1,31B | 1,41B | 1,37B |
| Operating Income | 625,54M | 573,97M | 490,13M | 659,20M | 568,06M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 35,47B | 35,08B | 35,58B | 35,18B | 36,53B |
| Total Liabilities | 31,01B | 30,95B | 31,77B | 31,84B | 32,86B |
| Shareholders' Equity | 4,46B | 4,13B | 3,80B | 3,34B | 3,67B |
| Total Debt | 1,34B | 967,38M | 1,52B | 2,23B | 2,03B |
| Cash & Equivalents | 563,00M | 1,51B | 1,19B | 887,79M | 4,23B |
| Current Assets | 132,27M | 6,88B | 6,36B | 6,61B | 11,48B |
| Current Liabilities | 1,02B | 30,15B | 30,89B | 30,95B | 32,13B |