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Fourchette 52 Semaines
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27,72 €
Volume
232
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/
27,09 €
Clôture Précédente
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Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 13,2 | 10,3 |
| P/B | 2,4 | 1,1 |
| ROE % | 18,8 | 11,7 |
| Net Margin % | 45,6 | 16,9 |
| Rev Growth 5Y % | 10,2 | 11,6 |
| D/E | 2,5 | 0,5 |
Objectif de Cours des Analystes
Aucune couverture d'analyste disponible
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2029 |
2,08 €
1,92 € – 2,24 €
|
1,26B | 1 |
| FY2028 |
1,94 €
1,79 € – 2,09 €
|
1,19B | 1 |
| FY2027 |
1,80 €
1,66 € – 1,94 €
|
1,09B | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2025-11-18 | 1,22 € | 1,02 € | -16,4% |
| 2025-05-21 | 1,02 € | 1,31 € | +28,4% |
| 2024-11-13 | 1,09 € | 0,68 € | -37,3% |
| 2024-09-19 | 0,79 € | 1,06 € | +33,5% |
| 2023-09-30 | 0,66 € | 0,93 € | +40,2% |
| 2023-03-31 | 0,35 € | 1,06 € | +203,7% |
| 2022-09-30 | 0,34 € | 0,13 € | -62,0% |
| 2022-03-31 | 0,82 € | 1,29 € | +56,7% |
Dividend History
Yield
0,04%
Payout Ratio
N/A
Growth (3Y)
N/A
Growth (5Y)
N/A
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Dec 05, 2025 | Jan 09, 2026 | 0,37 € | 4,24% |
| Jun 13, 2025 | Aug 01, 2025 | 0,77 € | 4,04% |
| Dec 06, 2024 | Jan 10, 2025 | 0,34 € | 3,74% |
| Jun 14, 2024 | Aug 02, 2024 | 0,67 € | 3,30% |
| Dec 07, 2023 | Jan 08, 2024 | 0,32 € | 4,86% |
| Jun 15, 2023 | Aug 04, 2023 | 0,67 € | 5,58% |
| Dec 08, 2022 | Jan 09, 2023 | 0,31 € | 7,04% |
| Jun 16, 2022 | Aug 05, 2022 | 0,71 € | 5,55% |
| Dec 09, 2021 | Jan 10, 2022 | 0,25 € | 2,52% |
| Jun 17, 2021 | Aug 05, 2021 | 0,54 € | 2,87% |
| Dec 10, 2020 | Jan 08, 2021 | 0,23 € | 2,75% |
| Jun 18, 2020 | Aug 05, 2020 | 0,44 € | 3,66% |
| Dec 05, 2019 | Jan 14, 2020 | 0,20 € | 2,96% |
| Jun 13, 2019 | Aug 06, 2019 | 0,44 € | 3,35% |
| Dec 06, 2018 | Jan 10, 2019 | 0,13 € | 3,38% |
| Jun 14, 2018 | Aug 07, 2018 | 0,28 € | 2,94% |
| Dec 07, 2017 | Jan 12, 2018 | 0,12 € | 3,20% |
| Jun 15, 2017 | Aug 04, 2017 | 0,25 € | 2,97% |
| Dec 01, 2016 | Jan 09, 2017 | 0,09 € | 11,14% |
| Aug 01, 2016 | Aug 05, 2016 | 0,84 € | 13,67% |
Points Clés
Revenue grew 10,17% annually over 5 years — strong growth
ROE of 18,83% — decent returns on equity
Net margin of 45,56% shows strong profitability
Debt/Equity of 2,45 — high leverage
Generating 129,50M in free cash flow
P/E of 13,22 — trading at a low valuation
Croissance
Revenue Growth (5Y)
10,17%
Revenue (1Y)6,97%
Earnings (1Y)-4,69%
FCF Growth (3Y)-32,04%
Qualité
Return on Equity
18,83%
ROIC4,63%
Net Margin45,56%
Op. Margin53,56%
Sécurité
Debt / Equity
2,45
Current Ratio1,94
Interest Coverage13,60
Valorisation
P/E Ratio
13,22
Forward P/EN/A
P/B Ratio2,40
EV/EBITDA21,62
Dividend Yield0,04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 6,97% | Revenue Growth (3Y) | 9,35% |
| Earnings Growth (1Y) | -4,69% | Earnings Growth (3Y) | 14,18% |
| Revenue Growth (5Y) | 10,17% | Earnings Growth (5Y) | -0,32% |
| Profitability | |||
| Revenue (TTM) | 990,40M | Net Income (TTM) | 451,20M |
| ROE | 18,83% | ROA | 4,83% |
| Gross Margin | 96,06% | Operating Margin | 53,56% |
| Net Margin | 45,56% | Free Cash Flow (TTM) | 129,50M |
| ROIC | 4,63% | FCF Growth (3Y) | -32,04% |
| Safety | |||
| Debt / Equity | 2,45 | Current Ratio | 1,94 |
| Interest Coverage | 13,60 | ||
| Dividends | |||
| Dividend Yield | 0,04% | Payout Ratio | N/A |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 13,22 | Forward P/E | N/A |
| P/B Ratio | 2,40 | P/S Ratio | 6,02 |
| PEG Ratio | -6,82 | Forward PEG | N/A |
| EV/EBITDA | 21,62 | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | 2,17% | ||
| Market Cap | 5,97B | Enterprise Value | 11,47B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 990,40M | 925,90M | 828,28M | 764,50M | 672,40M |
| Net Income | 451,20M | 473,40M | 346,06M | 526,80M | 457,10M |
| EPS (Diluted) | 1,54 | 1,62 | 1,20 | 1,81 | 1,58 |
| Gross Profit | 951,40M | 925,90M | 805,84M | 746,40M | 656,80M |
| Operating Income | 530,50M | 532,00M | 383,80M | 557,90M | 505,60M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 9,34B | 9,12B | 9,05B | 8,87B | 7,46B |
| Total Liabilities | 6,85B | 6,82B | 7,01B | 6,87B | 5,84B |
| Shareholders' Equity | 2,49B | 2,30B | 2,02B | 1,97B | 1,62B |
| Total Debt | 6,11B | 6,13B | 6,11B | 6,02B | 5,20B |
| Cash & Equivalents | 604,80M | 627,40M | 550,00M | 761,50M | 296,90M |
| Current Assets | 1,08B | 990,00M | 809,10M | 1,13B | 566,30M |
| Current Liabilities | 554,50M | 3,30M | 471,40M | 434,40M | 427,30M |