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Fourchette du Jour
15,92 €
16,16 €
Fourchette 52 Semaines
14,43 €
17,00 €
Volume
100
Moyenne 50J / 200J
15,50 €
/
15,26 €
Clôture Précédente
15,92 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (855 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 9,8 | 10,3 |
| P/B | 1,2 | 1,1 |
| ROE % | 12,5 | 11,7 |
| Net Margin % | 34,8 | 16,8 |
| Rev Growth 5Y % | 7,7 | 11,7 |
| D/E | 0,5 | 0,5 |
Objectif de Cours des Analystes
Aucune couverture d'analyste disponible
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
0,00 €
0,00 € – 0,00 €
|
1,75B | 0 |
| FY2026 |
0,00 €
0,00 € – 0,00 €
|
1,65B | 0 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2025-11-20 | N/A | 1,02 € | — |
| 2025-05-22 | N/A | 0,24 € | — |
| 2024-11-21 | N/A | 0,52 € | — |
| 2024-05-23 | N/A | 0,44 € | — |
| 2024-02-28 | N/A | 0,85 € | — |
| 2023-03-31 | N/A | 0,41 € | — |
| 2022-09-30 | N/A | 0,56 € | — |
| 2022-03-31 | N/A | 0,39 € | — |
Dividend History
7 yr streakYield
0,06%
Payout Ratio
0,57%
Growth (3Y)
-14,92%
Growth (5Y)
-13,95%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Dec 12, 2025 | Jan 14, 2026 | 0,31 € | 5,92% |
| Aug 15, 2025 | Sep 15, 2025 | 0,54 € | 6,13% |
| Dec 13, 2024 | Jan 15, 2025 | 0,40 € | 5,41% |
| Aug 23, 2024 | Sep 23, 2024 | 0,50 € | 5,58% |
| Dec 07, 2023 | Jan 08, 2024 | 0,38 € | 6,79% |
| Aug 17, 2023 | Sep 19, 2023 | 0,44 € | 6,37% |
| Dec 08, 2022 | Jan 24, 2023 | 0,33 € | 6,18% |
| Jul 21, 2022 | Aug 23, 2022 | 0,33 € | 9,27% |
| Jun 24, 2022 | Jul 05, 2022 | 0,73 € | 8,88% |
| Dec 09, 2021 | Jan 06, 2022 | 0,29 € | 5,19% |
| Jul 22, 2021 | Aug 25, 2021 | 0,20 € | 6,64% |
| Dec 10, 2020 | Jan 19, 2021 | 0,15 € | 35,84% |
| Apr 09, 2020 | Apr 20, 2020 | 1,66 € | 16,06% |
| Dec 05, 2019 | Jan 02, 2020 | 0,29 € | 5,25% |
| Jul 25, 2019 | Aug 27, 2019 | 0,33 € | 5,20% |
| Dec 06, 2018 | Jan 03, 2019 | 0,29 € | 5,08% |
| Jul 26, 2018 | Aug 28, 2018 | 0,32 € | 4,18% |
| Dec 07, 2017 | Jan 04, 2018 | 0,32 € | 4,44% |
| Jul 26, 2017 | Aug 29, 2017 | 0,34 € | 4,01% |
| Dec 07, 2016 | Jan 05, 2017 | 0,25 € | 4,70% |
Points Clés
Revenue grew 7,71% annually over 5 years — modest growth
Earnings declined -26,31% over the past year
ROE of 12,46% — decent returns on equity
Net margin of 34,75% shows strong profitability
Debt/Equity of 0,50 — conservative balance sheet
Negative free cash flow of -567,79M
Croissance
Revenue Growth (5Y)
7,71%
Revenue (1Y)4,40%
Earnings (1Y)-26,31%
FCF Growth (3Y)N/A
Qualité
Return on Equity
12,46%
ROIC17,62%
Net Margin34,75%
Op. Margin100,00%
Sécurité
Debt / Equity
0,50
Current RatioN/A
Interest Coverage0,00
Valorisation
P/E Ratio
9,82
Forward P/EN/A
P/B Ratio1,20
EV/EBITDA2,12
Dividend Yield0,06%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 4,40% | Revenue Growth (3Y) | 5,26% |
| Earnings Growth (1Y) | -26,31% | Earnings Growth (3Y) | -7,18% |
| Revenue Growth (5Y) | 7,71% | Earnings Growth (5Y) | 26,79% |
| Profitability | |||
| Revenue (TTM) | 2,00B | Net Income (TTM) | 693,48M |
| ROE | 12,46% | ROA | 1,19% |
| Gross Margin | 100,00% | Operating Margin | 100,00% |
| Net Margin | 34,75% | Free Cash Flow (TTM) | -567,79M |
| ROIC | 17,62% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0,50 | Current Ratio | N/A |
| Interest Coverage | 0,00 | ||
| Dividends | |||
| Dividend Yield | 0,06% | Payout Ratio | 0,57% |
| Dividend Growth (3Y) | -14,92% | Dividend Growth (5Y) | -13,95% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 9,82 | Forward P/E | N/A |
| P/B Ratio | 1,20 | P/S Ratio | 3,41 |
| PEG Ratio | 3,26 | Forward PEG | N/A |
| EV/EBITDA | 2,12 | Fwd EV/EBITDA | 8,34 |
| Forward P/S | 4,13 | Fwd Earnings Yield | N/A |
| FCF Yield | -8,33% | ||
| Market Cap | 6,81B | Enterprise Value | 4,22B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 2,00B | 1,91B | 1,80B | 1,88B | 1,48B |
| Net Income | 693,48M | 941,04M | 804,87M | 516,20M | 268,34M |
| EPS (Diluted) | 1,40 | 1,36 | 1,66 | 1,00 | 0,50 |
| Gross Profit | 2,00B | 4,84B | 1,80B | 1,88B | 1,48B |
| Operating Income | 2,00B | 1,88B | 1,77B | 1,85B | 1,46B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 58,25B | 56,63B | 57,29B | 58,84B | 51,53B |
| Total Liabilities | 52,60B | 51,15B | 51,96B | 53,10B | 46,20B |
| Shareholders' Equity | 5,66B | 5,47B | 4,88B | 5,20B | 4,76B |
| Total Debt | 2,84B | 2,61B | 2,89B | 3,36B | 2,92B |
| Cash & Equivalents | 5,43B | 6,97B | 7,08B | 6,68B | 3,96B |
| Current Assets | 0,0 | 7,70B | 8,47B | 9,13B | 6,52B |
| Current Liabilities | 0,0 | 17,74B | 5,42B | 3,83B | 5,80B |