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Fourchette du Jour
39,90 €
41,14 €
Fourchette 52 Semaines
31,97 €
58,75 €
Volume
784 699
Moyenne 50J / 200J
49,95 €
/
50,76 €
Clôture Précédente
39,25 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 16,1 | 10,3 |
| P/B | 4,4 | 1,1 |
| ROE % | 31,4 | 11,7 |
| Net Margin % | 7,4 | 16,8 |
| Rev Growth 5Y % | -0,6 | 11,7 |
| D/E | 3,0 | 0,5 |
Objectif de Cours des Analystes
Hold
54,67 €
+36.1%
Low: 46,00 €
High: 59,00 €
P/E Prévisionnel
11,1
BPA Prévisionnel
3,62 €
Croissance BPA (est.)
+0,0%
CA Est.
3,5 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2029 |
5,72 €
5,45 € – 6,08 €
|
4,5 B | 1 |
| FY2028 |
5,66 €
5,39 € – 6,02 €
|
4,3 B | 1 |
| FY2027 |
4,86 €
4,58 € – 5,39 €
|
4 B | 5 |
Points Clés
Revenue declined -0,63% annually over 5 years
Earnings declined -15,39% over the past year
ROE of 31,37% indicates high profitability
Debt/Equity of 2,95 — high leverage
Generating 505,23M in free cash flow
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 3,88%
Croissance
Revenue Growth (5Y)
-0,63%
Revenue (1Y)3,25%
Earnings (1Y)-15,39%
FCF Growth (3Y)92,48%
Qualité
Return on Equity
31,37%
ROIC9,03%
Net Margin7,43%
Op. Margin13,03%
Sécurité
Debt / Equity
2,95
Current Ratio29,35
Interest Coverage4,74
Valorisation
P/E Ratio
16,09
P/B Ratio4,36
EV/EBITDA11,76
Dividend Yield0,04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 3,25% | Revenue Growth (3Y) | 11,76% |
| Earnings Growth (1Y) | -15,39% | Earnings Growth (3Y) | N/A |
| Revenue Growth (5Y) | -0,63% | Earnings Growth (5Y) | -18,17% |
| Profitability | |||
| Revenue (TTM) | 3,19B | Net Income (TTM) | 236,83M |
| ROE | 31,37% | ROA | 4,79% |
| Gross Margin | 31,79% | Operating Margin | 13,03% |
| Net Margin | 7,43% | Free Cash Flow (TTM) | 505,23M |
| ROIC | 9,03% | FCF Growth (3Y) | 92,48% |
| Safety | |||
| Debt / Equity | 2,95 | Current Ratio | 29,35 |
| Interest Coverage | 4,74 | Dividend Yield | 0,04% |
| Valuation | |||
| P/E Ratio | 16,09 | P/B Ratio | 4,36 |
| P/S Ratio | 1,20 | PEG Ratio | -1,17 |
| EV/EBITDA | 11,76 | Dividend Yield | 0,04% |
| Market Cap | 3,81B | Enterprise Value | 4,88B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 3,19B | 3,09B | 2,55B | 2,83B | 3,27B |
| Net Income | 236,83M | 279,91M | -75,48M | 357,52M | 528,06M |
| EPS (Diluted) | 2,17 | 2,68 | -0,90 | 3,51 | 4,63 |
| Gross Profit | 1,01B | 1,08B | 605,13M | 1,17B | 1,37B |
| Operating Income | 415,32M | 386,47M | -79,96M | 516,85M | 723,85M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 4,94B | 4,79B | 4,64B | 5,85B | 7,15B |
| Total Liabilities | 3,95B | 4,03B | 4,07B | 4,59B | 5,49B |
| Shareholders' Equity | 873,66M | 636,24M | 423,76M | 556,46M | 975,22M |
| Total Debt | 2,58B | 2,19B | 2,18B | 2,20B | 2,24B |
| Cash & Equivalents | 1,50B | 1,31B | 971,32M | 1,23B | 1,47B |
| Current Assets | 2,37B | 2,62B | 2,29B | 3,29B | 4,52B |
| Current Liabilities | 80,67M | 896,79M | 1,03B | 1,56B | 2,15B |