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Fourchette du Jour
13,84 €
14,06 €
Fourchette 52 Semaines
13,06 €
16,80 €
Volume
278 649
Moyenne 50J / 200J
14,09 €
/
14,75 €
Clôture Précédente
14,07 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 10,1 | 10,3 |
| P/B | 0,9 | 1,1 |
| ROE % | 8,2 | 11,6 |
| Net Margin % | 39,7 | 16,8 |
| Rev Growth 5Y % | 69,2 | 11,6 |
| D/E | 1,0 | 0,5 |
Objectif de Cours des Analystes
Hold
15,00 €
+8.3%
P/E Prévisionnel
8,8
BPA Prévisionnel
1,60 €
Croissance BPA (est.)
+0,0%
CA Est.
210 M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
1,54 €
1,47 € – 1,61 €
|
190 M | 1 |
| FY2027 |
1,56 €
1,49 € – 1,63 €
|
210 M | 3 |
| FY2026 |
1,60 €
1,52 € – 1,66 €
|
210 M | 3 |
Points Clés
Revenue grew 69,22% annually over 5 years — strong growth
Earnings declined -28,98% over the past year
Net margin of 39,74% shows strong profitability
Negative free cash flow of -98,72M
P/E of 10,11 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 39,33%
Croissance
Revenue Growth (5Y)
69,22%
Revenue (1Y)29,89%
Earnings (1Y)-28,98%
FCF Growth (3Y)N/A
Qualité
Return on Equity
8,16%
ROIC5,78%
Net Margin39,74%
Op. Margin72,82%
Sécurité
Debt / Equity
1,01
Current RatioN/A
Interest Coverage2,25
Valorisation
P/E Ratio
10,11
P/B Ratio0,85
EV/EBITDA11,92
Dividend Yield0,12%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 29,89% | Revenue Growth (3Y) | 33,46% |
| Earnings Growth (1Y) | -28,98% | Earnings Growth (3Y) | 10,26% |
| Revenue Growth (5Y) | 69,22% | Earnings Growth (5Y) | 43,19% |
| Profitability | |||
| Revenue (TTM) | 235,82M | Net Income (TTM) | 93,71M |
| ROE | 8,16% | ROA | 4,10% |
| Gross Margin | 84,29% | Operating Margin | 72,82% |
| Net Margin | 39,74% | Free Cash Flow (TTM) | -98,72M |
| ROIC | 5,78% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1,01 | Current Ratio | N/A |
| Interest Coverage | 2,25 | Dividend Yield | 0,12% |
| Valuation | |||
| P/E Ratio | 10,11 | P/B Ratio | 0,85 |
| P/S Ratio | 4,02 | PEG Ratio | -0,30 |
| EV/EBITDA | 11,92 | Dividend Yield | 0,12% |
| Market Cap | 947,28M | Enterprise Value | 2,05B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 235,82M | 181,56M | 132,40M | 68,57M | 28,76M |
| Net Income | 93,71M | 131,94M | 77,08M | 45,77M | 22,29M |
| EPS (Diluted) | 1,33 | 2,07 | 1,19 | 0,70 | 0,34 |
| Gross Profit | 198,78M | 123,76M | 82,78M | 50,40M | 24,56M |
| Operating Income | 171,73M | 132,66M | 77,08M | 45,77M | 22,29M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 2,29B | 2,08B | 1,42B | 1,19B | 586,46M |
| Total Liabilities | 1,18B | 896,32M | 740,61M | 602,35M | 274,50M |
| Shareholders' Equity | 1,11B | 1,19B | 683,06M | 592,04M | 311,97M |
| Total Debt | 1,12B | 848,13M | 689,32M | 571,59M | 266,33M |
| Cash & Equivalents | 18,03M | 22,38M | 34,07M | 8,53M | 2,04M |
| Current Assets | 42,09M | 37,88M | 1,48B | 19,08M | 4,17M |
| Current Liabilities | 0,0 | 28,42M | 22,05M | 16,38M | 4,62M |