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Fourchette du Jour
66,92 €
68,46 €
Fourchette 52 Semaines
54,11 €
75,44 €
Volume
310 510
Moyenne 50J / 200J
69,66 €
/
68,59 €
Clôture Précédente
67,61 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 10,2 | 10,3 |
| P/B | 1,3 | 1,1 |
| ROE % | 13,6 | 11,6 |
| Net Margin % | 39,1 | 16,8 |
| Rev Growth 5Y % | 14,2 | 11,6 |
| D/E | 0,2 | 0,5 |
Objectif de Cours des Analystes
Hold
85,00 €
+25.3%
P/E Prévisionnel
10,0
BPA Prévisionnel
6,74 €
Croissance BPA (est.)
+0,0%
CA Est.
1,2 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2030 |
7,17 €
7,17 € – 7,17 €
|
2,1 B | 1 |
| FY2029 |
7,17 €
7,17 € – 7,17 €
|
1,8 B | 1 |
| FY2028 |
7,38 €
7,38 € – 7,38 €
|
1,6 B | 1 |
Points Clés
Revenue grew 14,16% annually over 5 years — strong growth
ROE of 13,63% — decent returns on equity
Net margin of 39,13% shows strong profitability
Debt/Equity of 0,22 — conservative balance sheet
Generating 494,83M in free cash flow
P/E of 10,23 — trading at a low valuation
Croissance
Revenue Growth (5Y)
14,16%
Revenue (1Y)1,03%
Earnings (1Y)0,76%
FCF Growth (3Y)5,22%
Qualité
Return on Equity
13,63%
ROIC9,86%
Net Margin39,13%
Op. Margin49,39%
Sécurité
Debt / Equity
0,22
Current Ratio1,04
Interest Coverage2,43
Valorisation
P/E Ratio
10,23
P/B Ratio1,30
EV/EBITDA8,43
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 1,03% | Revenue Growth (3Y) | 4,22% |
| Earnings Growth (1Y) | 0,76% | Earnings Growth (3Y) | 0,06% |
| Revenue Growth (5Y) | 14,16% | Earnings Growth (5Y) | 12,88% |
| Profitability | |||
| Revenue (TTM) | 1,05B | Net Income (TTM) | 412,29M |
| ROE | 13,63% | ROA | 2,47% |
| Gross Margin | 78,27% | Operating Margin | 49,39% |
| Net Margin | 39,13% | Free Cash Flow (TTM) | 494,83M |
| ROIC | 9,86% | FCF Growth (3Y) | 5,22% |
| Safety | |||
| Debt / Equity | 0,22 | Current Ratio | 1,04 |
| Interest Coverage | 2,43 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 10,23 | P/B Ratio | 1,30 |
| P/S Ratio | 4,00 | PEG Ratio | 13,21 |
| EV/EBITDA | 8,43 | Dividend Yield | 0,02% |
| Market Cap | 4,22B | Enterprise Value | 4,39B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,05B | 1,04B | 970,10M | 712,92M | 620,43M |
| Net Income | 412,29M | 409,17M | 411,77M | 300,23M | 253,92M |
| EPS (Diluted) | 6,62 | 6,57 | 6,62 | 4,78 | 4,00 |
| Gross Profit | 824,69M | 801,84M | 798,87M | 653,11M | 585,64M |
| Operating Income | 520,36M | 508,72M | 523,51M | 382,64M | 322,33M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 16,68B | 15,74B | 15,07B | 15,50B | 16,05B |
| Total Liabilities | 13,43B | 12,94B | 12,62B | 13,46B | 13,74B |
| Shareholders' Equity | 3,25B | 2,80B | 2,45B | 2,04B | 2,31B |
| Total Debt | 704,74M | 654,73M | 650,03M | 576,78M | 1,01B |
| Cash & Equivalents | 536,49M | 352,65M | 651,06M | 2,09B | 3,21B |
| Current Assets | 608,92M | 5,41B | 5,54B | 6,55B | 7,45B |
| Current Liabilities | 585,54M | 12,65B | 12,35B | 13,09B | 13,06B |