Terug
Dagbereik
€ 0,81
€ 0,81
52-Weeksbereik
€ 0,60
€ 0,88
Volume
1.000
50D / 200D Gem.
€ 0,82
/
€ 0,79
Vorige Slotkoers
€ 0,81
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 0,8 | 10,3 |
| P/B | 0,1 | 1,1 |
| ROE % | 9,5 | 11,6 |
| Net Margin % | 55,4 | 16,8 |
| Rev Growth 5Y % | 2,4 | 11,6 |
| D/E | 0,5 | 0,5 |
Koersdoel Analisten
Geen analistendekking beschikbaar
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 1,06
€ 0,99 – € 1,13
|
880 B | 1 |
| FY2026 |
€ 1,02
€ 0,96 – € 1,09
|
840 B | 1 |
Belangrijkste Punten
Revenue grew 2,37% annually over 5 years — modest growth
Net margin of 55,40% shows strong profitability
Generating 543,61B in free cash flow
P/E of 0,79 — trading at a low valuation
Cash machine — converts 148,58% of earnings into free cash flow
Capital efficient — spends only 5,39% of revenue on capex
Groei
Revenue Growth (5Y)
2,37%
Revenue (1Y)0,52%
Earnings (1Y)0,51%
FCF Growth (3Y)-37,48%
Kwaliteit
Return on Equity
9,47%
ROIC6,10%
Net Margin55,40%
Op. Margin73,98%
Veiligheid
Debt / Equity
0,51
Current Ratio0,12
Interest Coverage0,62
Waardering
P/E Ratio
0,79
P/B Ratio0,07
EV/EBITDA-4,96
Dividend Yield0,10%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 0,52% | Revenue Growth (3Y) | -0,21% |
| Earnings Growth (1Y) | 0,51% | Earnings Growth (3Y) | 0,65% |
| Revenue Growth (5Y) | 2,37% | Earnings Growth (5Y) | 3,74% |
| Profitability | |||
| Revenue (TTM) | 660,39B | Net Income (TTM) | 365,86B |
| ROE | 9,47% | ROA | 0,75% |
| Gross Margin | 100,00% | Operating Margin | 73,98% |
| Net Margin | 55,40% | Free Cash Flow (TTM) | 543,61B |
| ROIC | 6,10% | FCF Growth (3Y) | -37,48% |
| Safety | |||
| Debt / Equity | 0,51 | Current Ratio | 0,12 |
| Interest Coverage | 0,62 | Dividend Yield | 0,10% |
| Valuation | |||
| P/E Ratio | 0,79 | P/B Ratio | 0,07 |
| P/S Ratio | 0,44 | PEG Ratio | 1,09 |
| EV/EBITDA | -4,96 | Dividend Yield | 0,10% |
| Market Cap | 288,69B | Enterprise Value | -2,42T |
Income Statement
Annual, most recent first
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | 660,39B | 656,94B | 663,15B | 658,26B | 601,22B |
| Net Income | 365,86B | 363,99B | 361,13B | 348,34B | 315,91B |
| EPS (Diluted) | 0,98 | 0,98 | 0,97 | 0,95 | 0,86 |
| Gross Profit | 660,39B | 838,05B | 871,34B | 658,26B | 601,22B |
| Operating Income | 488,56B | 487,00B | 491,70B | 490,07B | 446,69B |
Balance Sheet
Annual, most recent first
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Total Assets | 48,82T | 44,70T | 39,61T | 35,17T | 33,35T |
| Total Liabilities | 44,83T | 40,92T | 36,09T | 31,90T | 30,44T |
| Shareholders' Equity | 3,97T | 3,76T | 3,50T | 3,26T | 2,89T |
| Total Debt | 2,04T | 1,90T | 912,97B | 1,28T | 812,89B |
| Cash & Equivalents | 4,75T | 5,30T | 4,74T | 4,19T | 4,90T |
| Current Assets | 4,75T | 5,30T | 4,74T | 4,19T | 4,90T |
| Current Liabilities | 38,93T | 19,22T | 18,70T | 17,41T | 16,91T |