Retour
Fourchette du Jour
35,34 €
36,10 €
Fourchette 52 Semaines
27,58 €
46,82 €
Volume
2 011 331
Moyenne 50J / 200J
38,32 €
/
39,19 €
Clôture Précédente
35,12 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (855 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 5,8 | 10,3 |
| P/B | 0,6 | 1,1 |
| ROE % | 12,3 | 11,6 |
| Net Margin % | 6,5 | 16,8 |
| Rev Growth 5Y % | 0,9 | 11,6 |
| D/E | 0,6 | 0,5 |
Objectif de Cours des Analystes
Hold
44,25 €
+23.2%
Low: 41,00 €
High: 48,00 €
P/E Prévisionnel
4,47
BPA Prévisionnel
8,03 €
Croissance BPA (est.)
+0,0%
CA Est.
20,01B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2029 |
10,10 €
9,80 € – 10,37 €
|
22,75B | 1 |
| FY2028 |
9,44 €
8,24 € – 10,29 €
|
21,63B | 3 |
| FY2027 |
8,67 €
8,49 € – 8,90 €
|
20,72B | 9 |
No quarterly estimates available
Dividend History
7 yr streakYield
0,05%
Payout Ratio
0,35%
Growth (3Y)
0,00%
Growth (5Y)
2,38%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Apr 10, 2026 | May 01, 2026 | 0,45 € | 5,01% |
| Jan 12, 2026 | Feb 02, 2026 | 0,45 € | 4,30% |
| Oct 10, 2025 | Nov 03, 2025 | 0,45 € | 4,73% |
| Jul 10, 2025 | Aug 01, 2025 | 0,45 € | 5,26% |
| Apr 10, 2025 | May 01, 2025 | 0,45 € | 6,04% |
| Jan 10, 2025 | Feb 03, 2025 | 0,45 € | 5,99% |
| Oct 10, 2024 | Nov 01, 2024 | 0,45 € | 5,73% |
| Jul 10, 2024 | Aug 01, 2024 | 0,45 € | 5,72% |
| Apr 09, 2024 | May 01, 2024 | 0,45 € | 6,03% |
| Jan 09, 2024 | Feb 01, 2024 | 0,45 € | 6,51% |
| Oct 06, 2023 | Nov 01, 2023 | 0,45 € | 7,79% |
| Jul 07, 2023 | Aug 01, 2023 | 0,45 € | 6,90% |
| Apr 06, 2023 | May 01, 2023 | 0,45 € | 8,78% |
| Jan 09, 2023 | Feb 01, 2023 | 0,45 € | 5,87% |
| Oct 06, 2022 | Nov 01, 2022 | 0,45 € | 3,76% |
| Jul 08, 2022 | Aug 01, 2022 | 0,45 € | 3,74% |
| Apr 08, 2022 | May 02, 2022 | 0,45 € | 2,71% |
| Jan 07, 2022 | Feb 01, 2022 | 0,45 € | 2,34% |
| Oct 07, 2021 | Nov 01, 2021 | 0,42 € | 2,33% |
| Jul 09, 2021 | Aug 02, 2021 | 0,42 € | 2,68% |
Points Clés
Revenue grew 0,85% annually over 5 years — modest growth
Earnings declined -64,06% over the past year
ROE of 12,28% — decent returns on equity
Negative free cash flow of -167,00M
P/E of 5,80 — trading at a low valuation
Capital efficient — spends only 0,00% of revenue on capex
Croissance
Revenue Growth (5Y)
0,85%
Revenue (1Y)1,24%
Earnings (1Y)-64,06%
FCF Growth (3Y)N/A
Qualité
Return on Equity
12,28%
ROIC5,84%
Net Margin6,46%
Op. Margin7,35%
Sécurité
Debt / Equity
0,57
Current RatioN/A
Interest Coverage5,89
Valorisation
P/E Ratio
5,80
Forward P/E4,47
P/B Ratio0,63
EV/EBITDA2,69
Dividend Yield0,05%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 1,24% | Revenue Growth (3Y) | 24,70% |
| Earnings Growth (1Y) | -64,06% | Earnings Growth (3Y) | N/A |
| Revenue Growth (5Y) | 0,85% | Earnings Growth (5Y) | -25,29% |
| Profitability | |||
| Revenue (TTM) | 18,21B | Net Income (TTM) | 1,18B |
| ROE | 12,28% | ROA | 0,28% |
| Gross Margin | 57,34% | Operating Margin | 7,35% |
| Net Margin | 6,46% | Free Cash Flow (TTM) | -167,00M |
| ROIC | 5,84% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0,57 | Current Ratio | N/A |
| Interest Coverage | 5,89 | ||
| Dividends | |||
| Dividend Yield | 0,05% | Payout Ratio | 0,35% |
| Dividend Growth (3Y) | 0,00% | Dividend Growth (5Y) | 2,38% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 5,80 | Forward P/E | 4,47 |
| P/B Ratio | 0,63 | P/S Ratio | 0,38 |
| PEG Ratio | -0,10 | Forward PEG | N/A |
| EV/EBITDA | 2,69 | Fwd EV/EBITDA | 1,36 |
| Forward P/S | 0,34 | Fwd Earnings Yield | 22,37% |
| FCF Yield | -2,45% | ||
| Market Cap | 6,83B | Enterprise Value | 3,59B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 18,21B | 17,99B | 11,71B | 18,93B | 17,61B |
| Net Income | 1,18B | 3,28B | -752,00M | 1,36B | 3,78B |
| EPS (Diluted) | 5,84 | 18,41 | -4,92 | 7,78 | 7,43 |
| Gross Profit | 10,44B | 4,60B | 50,00M | 2,43B | 3,90B |
| Operating Income | 1,34B | 4,02B | -1,15B | 1,73B | 4,64B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 417,20B | 390,83B | 372,41B | 334,22B | 387,30B |
| Total Liabilities | 406,30B | 382,56B | 365,52B | 329,12B | 367,03B |
| Shareholders' Equity | 10,91B | 8,27B | 6,89B | 5,10B | 20,27B |
| Total Debt | 6,27B | 6,36B | 6,12B | 6,63B | 6,63B |
| Cash & Equivalents | 9,50B | 5,80B | 3,37B | 3,34B | 2,61B |
| Current Assets | 9,50B | 55,47B | 0,0 | 122,96B | 142,23B |
| Current Liabilities | 0,0 | 17,21B | 0,0 | 750,00M | 300,00M |