Terug
Dagbereik
€ 39,84
€ 41,75
52-Weeksbereik
€ 35,53
€ 71,04
Volume
5.770.013
50D / 200D Gem.
€ 52,52
/
€ 57,09
Vorige Slotkoers
€ 39,55
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 11,8 | 10,3 |
| P/B | 0,8 | 1,1 |
| ROE % | 6,9 | 11,7 |
| Net Margin % | 6,6 | 16,9 |
| Rev Growth 5Y % | 4,9 | 11,6 |
| D/E | 2,3 | 0,5 |
Koersdoel Analisten
Hold
€ 76,00
+87.3%
Low: € 55,00
High: € 97,00
Forward K/W
10,1
Forward WPA
€ 3,93
WPA Groei (sch.)
+0,0%
Omzet Sch.
8,3 B
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2029 |
€ 4,25
€ 3,65 – € 4,97
|
10 B | 1 |
| FY2028 |
€ 5,58
€ 3,77 – € 6,34
|
10 B | 4 |
| FY2027 |
€ 5,20
€ 3,39 – € 6,12
|
9,3 B | 4 |
Belangrijkste Punten
Revenue grew 4,88% annually over 5 years — modest growth
Debt/Equity of 2,25 — high leverage
Negative free cash flow of -1,71B
P/E of 11,80 — trading at a low valuation
Capital efficient — spends only 1,92% of revenue on capex
ROIC of 1,50% — low return on invested capital
Groei
Revenue Growth (5Y)
4,88%
Revenue (1Y)2,93%
Earnings (1Y)-4,43%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
6,85%
ROIC1,50%
Net Margin6,56%
Op. Margin6,34%
Veiligheid
Debt / Equity
2,25
Current Ratio2,43
Interest Coverage0,20
Waardering
P/E Ratio
11,80
P/B Ratio0,79
EV/EBITDA26,36
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 2,93% | Revenue Growth (3Y) | 20,60% |
| Earnings Growth (1Y) | -4,43% | Earnings Growth (3Y) | 59,95% |
| Revenue Growth (5Y) | 4,88% | Earnings Growth (5Y) | -19,29% |
| Profitability | |||
| Revenue (TTM) | 10,82B | Net Income (TTM) | 710,48M |
| ROE | 6,85% | ROA | 0,93% |
| Gross Margin | 59,67% | Operating Margin | 6,34% |
| Net Margin | 6,56% | Free Cash Flow (TTM) | -1,71B |
| ROIC | 1,50% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 2,25 | Current Ratio | 2,43 |
| Interest Coverage | 0,20 | Dividend Yield | 0,03% |
| Valuation | |||
| P/E Ratio | 11,80 | P/B Ratio | 0,79 |
| P/S Ratio | 0,77 | PEG Ratio | -3,54 |
| EV/EBITDA | 26,36 | Dividend Yield | 0,03% |
| Market Cap | 8,38B | Enterprise Value | 18,10B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 10,82B | 10,52B | 7,44B | 7,15B | 8,95B |
| Net Income | 710,48M | 743,38M | 277,69M | 785,45M | 1,67B |
| EPS (Diluted) | 2,83 | 2,99 | 1,10 | 3,06 | 6,13 |
| Gross Profit | 6,46B | 6,22B | 4,51B | 3,77B | 4,62B |
| Operating Income | 686,42M | 4,71B | 3,31B | 2,61B | 3,52B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 76,01B | 64,36B | 57,91B | 51,06B | 56,11B |
| Total Liabilities | 65,37B | 54,13B | 48,10B | 40,76B | 45,38B |
| Shareholders' Equity | 10,57B | 10,16B | 9,71B | 10,23B | 10,68B |
| Total Debt | 23,76B | 20,36B | 16,09B | 13,72B | 11,42B |
| Cash & Equivalents | 14,04B | 12,15B | 8,53B | 9,70B | 10,76B |
| Current Assets | 43,26B | 39,61B | 34,85B | 30,91B | 30,74B |
| Current Liabilities | 17,78B | 11,71B | 12,41B | 9,31B | 11,97B |