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Fourchette du Jour
67,86 €
70,24 €
Fourchette 52 Semaines
65,21 €
85,00 €
Volume
3 083 899
Moyenne 50J / 200J
75,19 €
/
78,04 €
Clôture Précédente
69,18 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 13,6 | 10,3 |
| P/B | 1,6 | 1,1 |
| ROE % | 12,1 | 11,7 |
| Net Margin % | 4,4 | 16,8 |
| Rev Growth 5Y % | 5,0 | 11,7 |
| D/E | 0,7 | 0,5 |
Objectif de Cours des Analystes
Hold
96,83 €
+38.5%
Low: 90,00 €
High: 101,00 €
P/E Prévisionnel
7,1
BPA Prévisionnel
9,78 €
Croissance BPA (est.)
+0,0%
CA Est.
79 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2029 |
12,85 €
12,33 € – 13,23 €
|
92 B | 2 |
| FY2028 |
12,30 €
10,83 € – 13,44 €
|
87 B | 4 |
| FY2027 |
10,93 €
10,66 € – 11,40 €
|
83 B | 10 |
Points Clés
Revenue grew 5,02% annually over 5 years — modest growth
Earnings declined -23,66% over the past year
ROE of 12,10% — decent returns on equity
Generating 18,11B in free cash flow
P/E of 13,63 — trading at a low valuation
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 5,20%
Croissance
Revenue Growth (5Y)
5,02%
Revenue (1Y)10,22%
Earnings (1Y)-23,66%
FCF Growth (3Y)12,68%
Qualité
Return on Equity
12,10%
ROIC7,20%
Net Margin4,38%
Op. Margin6,05%
Sécurité
Debt / Equity
0,71
Current Ratio0,65
Interest Coverage4,39
Valorisation
P/E Ratio
13,63
P/B Ratio1,62
EV/EBITDA9,48
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 10,22% | Revenue Growth (3Y) | 6,70% |
| Earnings Growth (1Y) | -23,66% | Earnings Growth (3Y) | 46,33% |
| Revenue Growth (5Y) | 5,02% | Earnings Growth (5Y) | -16,21% |
| Profitability | |||
| Revenue (TTM) | 77,08B | Net Income (TTM) | 3,38B |
| ROE | 12,10% | ROA | 0,45% |
| Gross Margin | 36,36% | Operating Margin | 6,05% |
| Net Margin | 4,38% | Free Cash Flow (TTM) | 18,11B |
| ROIC | 7,20% | FCF Growth (3Y) | 12,68% |
| Safety | |||
| Debt / Equity | 0,71 | Current Ratio | 0,65 |
| Interest Coverage | 4,39 | Dividend Yield | 0,03% |
| Valuation | |||
| P/E Ratio | 13,63 | P/B Ratio | 1,62 |
| P/S Ratio | 0,60 | PEG Ratio | -0,79 |
| EV/EBITDA | 9,48 | Dividend Yield | 0,03% |
| Market Cap | 46,05B | Enterprise Value | 44,20B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 77,08B | 69,94B | 67,71B | 67,97B | 63,37B |
| Net Income | 3,38B | 4,43B | 1,58B | 5,28B | 6,86B |
| EPS (Diluted) | 4,80 | 5,94 | 1,81 | 6,30 | 7,65 |
| Gross Profit | 28,02B | 19,00B | 17,29B | 18,94B | 16,84B |
| Operating Income | 4,66B | 5,62B | 2,16B | 6,36B | 8,52B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 745,17B | 677,46B | 687,58B | 663,07B | 759,71B |
| Total Liabilities | 716,25B | 649,75B | 657,33B | 632,95B | 691,96B |
| Shareholders' Equity | 28,40B | 27,45B | 30,02B | 29,88B | 67,48B |
| Total Debt | 20,18B | 18,72B | 18,83B | 17,98B | 17,43B |
| Cash & Equivalents | 22,03B | 20,07B | 20,64B | 20,20B | 20,05B |
| Current Assets | 179,59B | 143,04B | 350,62B | 335,49B | 388,02B |
| Current Liabilities | 276,14B | 258,07B | 257,58B | 251,08B | 263,18B |