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OTC
Dagbereik
€ 19,28
€ 19,61
52-Weeksbereik
€ 15,12
€ 26,11
Volume
436
50D / 200D Gem.
€ 20,50
/
€ 21,23
Vorige Slotkoers
€ 18,84
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 11,9 | 10,3 |
| P/B | 1,4 | 1,1 |
| ROE % | 11,9 | 11,6 |
| Net Margin % | 37,9 | 16,8 |
| Rev Growth 5Y % | 4,1 | 11,6 |
| D/E | 3,6 | 0,5 |
Koersdoel Analisten
Geen analistendekking beschikbaar
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 0,00
€ 0,00 – € 0,00
|
3,52B | 0 |
| FY2026 |
€ 0,00
€ 0,00 – € 0,00
|
3,37B | 0 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2025-08-02 | N/A | € 0,48 | — |
| 2025-05-08 | N/A | € 0,44 | — |
| 2025-02-10 | N/A | € 0,41 | — |
| 2024-11-11 | N/A | € 0,44 | — |
| 2024-07-31 | N/A | € 0,42 | — |
| 2024-05-09 | N/A | € 0,42 | — |
| 2024-03-12 | N/A | € 0,34 | — |
| 2023-10-26 | N/A | € 0,44 | — |
Dividend History
6 yr streakYield
0,05%
Payout Ratio
0,63%
Growth (3Y)
18,77%
Growth (5Y)
20,38%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Nov 25, 2025 | Dec 11, 2025 | € 0,68 | 6,75% |
| May 22, 2025 | Jun 05, 2025 | € 0,63 | 5,17% |
| Nov 19, 2024 | Dec 05, 2024 | € 0,59 | 7,75% |
| May 23, 2024 | Jun 07, 2024 | € 0,55 | 9,44% |
| Nov 20, 2023 | Dec 07, 2023 | € 0,92 | 7,83% |
| Nov 21, 2022 | Dec 08, 2022 | € 0,79 | 8,14% |
| Nov 22, 2021 | Dec 09, 2021 | € 0,75 | 6,60% |
| Nov 18, 2019 | Dec 09, 2019 | € 0,52 | 4,58% |
| Nov 19, 2018 | Dec 06, 2018 | € 0,53 | 6,34% |
| Nov 20, 2017 | Dec 07, 2017 | € 0,43 | 3,86% |
| Nov 18, 2016 | Dec 08, 2016 | € 0,29 | 4,21% |
| Nov 20, 2015 | Dec 10, 2015 | € 0,26 | 2,82% |
| Nov 21, 2014 | Dec 11, 2014 | € 0,19 | 2,42% |
| Nov 19, 2012 | Dec 10, 2012 | € 0,06 | 0,92% |
Belangrijkste Punten
Revenue grew 4,08% annually over 5 years — modest growth
ROE of 11,91% — decent returns on equity
Net margin of 37,94% shows strong profitability
Debt/Equity of 3,59 — high leverage
Negative free cash flow of 0,0
P/E of 11,89 — trading at a low valuation
Groei
Revenue Growth (5Y)
4,08%
Revenue (1Y)-33,54%
Earnings (1Y)4,45%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
11,91%
ROIC2,77%
Net Margin37,94%
Op. Margin54,08%
Veiligheid
Debt / Equity
3,59
Current RatioN/A
Interest Coverage0,00
Waardering
P/E Ratio
11,89
Forward P/EN/A
P/B Ratio1,41
EV/EBITDA29,53
Dividend Yield0,05%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -33,54% | Revenue Growth (3Y) | -5,61% |
| Earnings Growth (1Y) | 4,45% | Earnings Growth (3Y) | 13,86% |
| Revenue Growth (5Y) | 4,08% | Earnings Growth (5Y) | 13,29% |
| Profitability | |||
| Revenue (TTM) | 3,51B | Net Income (TTM) | 1,33B |
| ROE | 11,91% | ROA | 1,28% |
| Gross Margin | 100,00% | Operating Margin | 54,08% |
| Net Margin | 37,94% | Free Cash Flow (TTM) | 0,0 |
| ROIC | 2,77% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 3,59 | Current Ratio | N/A |
| Interest Coverage | 0,00 | ||
| Dividends | |||
| Dividend Yield | 0,05% | Payout Ratio | 0,63% |
| Dividend Growth (3Y) | 18,77% | Dividend Growth (5Y) | 20,38% |
| Consecutive Div Years | 6 yrs | ||
| Valuation | |||
| P/E Ratio | 11,89 | Forward P/E | N/A |
| P/B Ratio | 1,41 | P/S Ratio | 4,51 |
| PEG Ratio | 1,80 | Forward PEG | N/A |
| EV/EBITDA | 29,53 | Fwd EV/EBITDA | 53,31 |
| Forward P/S | 4,69 | Fwd Earnings Yield | N/A |
| FCF Yield | 0,00% | ||
| Market Cap | 15,81B | Enterprise Value | 55,99B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 3,51B | 5,28B | 3,93B | 2,87B | 2,99B |
| Net Income | 1,33B | 1,27B | 1,03B | 906,98M | 807,58M |
| EPS (Diluted) | 1,64 | 1,53 | 1,21 | 1,08 | 0,93 |
| Gross Profit | 3,51B | 3,25B | 2,91B | 2,51B | 2,59B |
| Operating Income | 1,90B | 1,71B | 1,42B | 1,16B | 1,08B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 103,95B | 99,23B | 91,64B | 90,57B | 82,60B |
| Total Liabilities | 92,75B | 87,98B | 80,19B | 79,82B | 71,50B |
| Shareholders' Equity | 11,19B | 11,16B | 11,33B | 10,65B | 11,01B |
| Total Debt | 40,18B | 33,73B | 31,96B | 22,75B | 22,88B |
| Cash & Equivalents | 0,0 | 4,10B | 4,92B | 9,05B | 3,69B |
| Current Assets | 0,0 | 4,49B | 4,24B | 7,86B | 4,05B |
| Current Liabilities | 0,0 | 34,37B | 36,46B | 44,74B | 31,00B |