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Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (857 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 10,7 | 10,2 |
| P/B | 1,0 | 1,1 |
| ROE % | 10,0 | 11,7 |
| Net Margin % | 5,3 | 16,8 |
| Rev Growth 5Y % | 3,3 | 11,7 |
| D/E | 5,6 | 0,5 |
Objectif de Cours des Analystes
Aucune couverture d'analyste disponible
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
0,87 €
0,86 € – 0,88 €
|
1,26B | 1 |
| FY2027 |
0,75 €
0,75 € – 0,76 €
|
1,18B | 1 |
| FY2026 |
0,67 €
0,67 € – 0,68 €
|
1,11B | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-03-12 | 0,28 € | 0,12 € | -56,6% |
| 2025-11-13 | 0,11 € | 0,17 € | +52,7% |
| 2025-08-14 | 0,11 € | 0,01 € | -87,1% |
| 2025-05-14 | 0,25 € | 0,25 € | +1,4% |
| 2025-03-13 | 0,15 € | 0,19 € | +25,4% |
| 2024-11-14 | 0,10 € | 0,09 € | -8,5% |
| 2024-07-29 | N/A | 0,09 € | — |
| 2024-05-15 | N/A | 0,25 € | — |
Dividend History
7 yr streakYield
0,08%
Payout Ratio
0,70%
Growth (3Y)
9,50%
Growth (5Y)
12,36%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Jun 26, 2026 | Jun 30, 2026 | 0,31 € | 5,64% |
| Jun 26, 2025 | Jun 30, 2025 | 0,42 € | 7,71% |
| Jun 28, 2024 | Jul 02, 2024 | 0,32 € | 6,46% |
| Jun 30, 2023 | Jul 04, 2023 | 0,33 € | 6,46% |
| Jun 03, 2022 | Jun 08, 2022 | 0,32 € | 3,51% |
| Jun 25, 2021 | Jun 29, 2021 | 0,27 € | 2,69% |
| Jun 26, 2020 | Jun 30, 2020 | 0,24 € | 2,46% |
| May 30, 2019 | Jun 04, 2019 | 0,22 € | 2,34% |
| Jun 15, 2018 | Jun 19, 2018 | 0,23 € | 2,32% |
| Jun 30, 2017 | Jul 04, 2017 | 0,09 € | 0,94% |
| Jun 17, 2016 | Jun 17, 2016 | 0,14 € | 1,40% |
| Jun 19, 2015 | Jun 19, 2015 | 0,19 € | 1,99% |
| Jun 06, 2014 | Jun 06, 2014 | 0,22 € | 2,18% |
| Jun 07, 2013 | Jun 07, 2013 | 0,42 € | 4,24% |
| Jun 27, 2012 | Jun 27, 2012 | 0,75 € | 7,47% |
| Jun 13, 2011 | Jun 13, 2011 | 0,43 € | 4,31% |
| May 21, 2010 | May 21, 2010 | 0,31 € | 2,61% |
| Jun 17, 2009 | Jun 17, 2009 | 0,39 € | 3,22% |
| May 19, 2008 | May 19, 2008 | 0,78 € | 6,44% |
| Jun 01, 2007 | Jun 01, 2007 | 0,54 € | 4,46% |
Points Clés
Revenue grew 3,25% annually over 5 years — modest growth
Earnings declined -19,61% over the past year
ROE of 10,04% — decent returns on equity
Debt/Equity of 5,59 — high leverage
Generating 137,74M in free cash flow
P/E of 10,65 — trading at a low valuation
Croissance
Revenue Growth (5Y)
3,25%
Revenue (1Y)-1,46%
Earnings (1Y)-19,61%
FCF Growth (3Y)N/A
Qualité
Return on Equity
10,04%
ROIC2,40%
Net Margin5,32%
Op. Margin11,51%
Sécurité
Debt / Equity
5,59
Current Ratio0,78
Interest Coverage0,00
Valorisation
P/E Ratio
10,65
Forward P/E8,05
P/B Ratio1,04
EV/EBITDA21,85
Dividend Yield0,08%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -1,46% | Revenue Growth (3Y) | 4,02% |
| Earnings Growth (1Y) | -19,61% | Earnings Growth (3Y) | 7,06% |
| Revenue Growth (5Y) | 3,25% | Earnings Growth (5Y) | -2,90% |
| Profitability | |||
| Revenue (TTM) | 1,05B | Net Income (TTM) | 55,68M |
| ROE | 10,04% | ROA | 1,34% |
| Gross Margin | 0,00% | Operating Margin | 11,51% |
| Net Margin | 5,32% | Free Cash Flow (TTM) | 137,74M |
| ROIC | 2,40% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 5,59 | Current Ratio | 0,78 |
| Interest Coverage | 0,00 | ||
| Dividends | |||
| Dividend Yield | 0,08% | Payout Ratio | 0,70% |
| Dividend Growth (3Y) | 9,50% | Dividend Growth (5Y) | 12,36% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 10,65 | Forward P/E | 8,05 |
| P/B Ratio | 1,04 | P/S Ratio | 0,57 |
| PEG Ratio | -0,48 | Forward PEG | N/A |
| EV/EBITDA | 21,85 | Fwd EV/EBITDA | 17,40 |
| Forward P/S | 0,53 | Fwd Earnings Yield | 12,42% |
| FCF Yield | 23,22% | ||
| Market Cap | 593,23M | Enterprise Value | 2,63B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,05B | 1,06B | 967,17M | 928,75M | 920,72M |
| Net Income | 55,68M | 69,27M | 48,58M | 51,49M | 62,63M |
| EPS (Diluted) | 0,51 | 0,63 | 0,44 | 0,47 | 0,57 |
| Gross Profit | 0,0 | 339,89M | 307,82M | 285,15M | 291,47M |
| Operating Income | 120,45M | 93,07M | 72,17M | 75,08M | 85,88M |
Balance Sheet
Annual, most recent first
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Total Assets | 4,15B | 3,92B | 3,78B | 3,69B | 3,24B |
| Total Liabilities | 3,58B | 3,39B | 3,26B | 3,20B | 2,78B |
| Shareholders' Equity | 570,46M | 538,53M | 527,38M | 495,25M | 453,24M |
| Total Debt | 3,19B | 3,03B | 2,91B | 2,76B | 2,44B |
| Cash & Equivalents | 1,15B | 1,05B | 961,23M | 1,38B | 859,04M |
| Current Assets | 2,36B | 3,32B | 2,64B | 2,21B | 1,93B |
| Current Liabilities | 3,04B | 2,83B | 2,92B | 2,85B | 2,46B |