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500
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Vorige Slotkoers
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Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 10,7 | 10,3 |
| P/B | 1,0 | 1,1 |
| ROE % | 10,0 | 11,7 |
| Net Margin % | 5,3 | 16,9 |
| Rev Growth 5Y % | 3,3 | 11,6 |
| D/E | 5,6 | 0,5 |
Koersdoel Analisten
Geen analistendekking beschikbaar
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2028 |
€ 0,87
€ 0,86 – € 0,88
|
1,3 B | 1 |
| FY2027 |
€ 0,75
€ 0,75 – € 0,76
|
1,2 B | 1 |
| FY2026 |
€ 0,67
€ 0,67 – € 0,68
|
1,1 B | 1 |
Belangrijkste Punten
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
Groei
Revenue Growth (5Y)
3,25%
Revenue (1Y)-1,46%
Earnings (1Y)-19,61%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
10,04%
ROIC2,40%
Net Margin5,32%
Op. Margin11,51%
Veiligheid
Debt / Equity
5,59
Current Ratio0,78
Interest Coverage0,00
Waardering
P/E Ratio
10,65
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 | Dividend Yield | 0,08% |
| Valuation | |||
| P/E Ratio | 10,65 | P/B Ratio | 1,04 |
| P/S Ratio | 0,57 | PEG Ratio | -0,48 |
| EV/EBITDA | 21,85 | Dividend Yield | 0,08% |
| 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 |