Terug
Dagbereik
€ 13,01
€ 13,37
52-Weeksbereik
€ 11,78
€ 18,10
Volume
247.375
50D / 200D Gem.
€ 12,94
/
€ 14,05
Vorige Slotkoers
€ 13,14
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (855 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 6,9 | 10,3 |
| P/B | 0,8 | 1,1 |
| ROE % | 13,0 | 11,7 |
| Net Margin % | 68,4 | 16,8 |
| Rev Growth 5Y % | 12,0 | 11,7 |
| D/E | 0,8 | 0,5 |
Koersdoel Analisten
Hold
€ 14,75
+12.6%
Low: € 14,50
High: € 15,00
Forward K/W
8,88
Forward WPA
€ 1,48
WPA Groei (sch.)
+0,0%
Omzet Sch.
155,13M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2028 |
€ 1,68
€ 1,66 – € 1,71
|
125,45M | 3 |
| FY2027 |
€ 1,52
€ 1,45 – € 1,59
|
164,34M | 4 |
| FY2026 |
€ 1,48
€ 1,45 – € 1,50
|
155,13M | 4 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-26 | € 0,36 | € 0,37 | +3,6% |
| 2025-11-13 | € 0,37 | € 0,35 | -5,4% |
| 2025-08-13 | € 0,36 | € 0,37 | +2,8% |
| 2025-05-12 | € 0,37 | € 0,38 | +2,7% |
| 2025-03-19 | € 0,36 | € 0,35 | -2,8% |
| 2025-03-04 | € 0,36 | € 0,35 | -2,8% |
| 2024-06-30 | N/A | € 0,45 | — |
| 2024-03-31 | N/A | € 0,26 | — |
Dividend History
4 yr streakYield
0,08%
Payout Ratio
0,58%
Growth (3Y)
108,01%
Growth (5Y)
N/A
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 31, 2026 | May 01, 2026 | € 0,36 | 10,99% |
| Dec 31, 2025 | Jan 30, 2026 | € 0,36 | 10,96% |
| Sep 30, 2025 | Oct 31, 2025 | € 0,36 | 10,97% |
| Jun 30, 2025 | Aug 01, 2025 | € 0,36 | 8,76% |
| Mar 31, 2025 | May 01, 2025 | € 0,36 | 8,74% |
| Dec 31, 2024 | Jan 31, 2025 | € 0,36 | 9,17% |
| Sep 30, 2024 | Nov 01, 2024 | € 0,36 | 9,10% |
| Jun 28, 2024 | Aug 01, 2024 | € 0,36 | 9,04% |
| Mar 27, 2024 | May 01, 2024 | € 0,37 | 8,98% |
| Dec 28, 2023 | Jan 31, 2024 | € 0,35 | 8,85% |
| Sep 28, 2023 | Nov 01, 2023 | € 0,35 | 6,64% |
| Jun 29, 2023 | Aug 01, 2023 | € 0,35 | 4,42% |
| Mar 30, 2023 | May 01, 2023 | € 0,35 | 3,22% |
| Jun 29, 2022 | Aug 01, 2022 | € 0,16 | 1,01% |
Belangrijkste Punten
Revenue grew 12,00% annually over 5 years — strong growth
Earnings grew 56,89% over the past year
ROE of 13,01% — decent returns on equity
Net margin of 68,44% shows strong profitability
Negative free cash flow of -70,35M
P/E of 6,93 — trading at a low valuation
Groei
Revenue Growth (5Y)
12,00%
Revenue (1Y)27,42%
Earnings (1Y)56,89%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
13,01%
ROIC7,07%
Net Margin68,44%
Op. Margin97,47%
Veiligheid
Debt / Equity
0,82
Current Ratio1,06
Interest Coverage3,72
Waardering
P/E Ratio
6,93
Forward P/E8,88
P/B Ratio0,83
EV/EBITDA9,47
Dividend Yield0,08%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 27,42% | Revenue Growth (3Y) | 31,62% |
| Earnings Growth (1Y) | 56,89% | Earnings Growth (3Y) | 15,76% |
| Revenue Growth (5Y) | 12,00% | Earnings Growth (5Y) | 4,77% |
| Profitability | |||
| Revenue (TTM) | 129,65M | Net Income (TTM) | 88,73M |
| ROE | 13,01% | ROA | 6,42% |
| Gross Margin | 72,72% | Operating Margin | 97,47% |
| Net Margin | 68,44% | Free Cash Flow (TTM) | -70,35M |
| ROIC | 7,07% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0,82 | Current Ratio | 1,06 |
| Interest Coverage | 3,72 | ||
| Dividends | |||
| Dividend Yield | 0,08% | Payout Ratio | 0,58% |
| Dividend Growth (3Y) | 108,01% | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | 4 yrs | ||
| Valuation | |||
| P/E Ratio | 6,93 | Forward P/E | 8,88 |
| P/B Ratio | 0,83 | P/S Ratio | 4,74 |
| PEG Ratio | 0,19 | Forward PEG | N/A |
| EV/EBITDA | 9,47 | Fwd EV/EBITDA | 25,02 |
| Forward P/S | 3,96 | Fwd Earnings Yield | 11,26% |
| FCF Yield | -11,45% | ||
| Market Cap | 614,53M | Enterprise Value | 1,20B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 129,65M | 101,75M | 74,84M | 51,74M | 82,38M |
| Net Income | 88,73M | 56,55M | 66,21M | 45,59M | 73,64M |
| EPS (Diluted) | 1,91 | 1,41 | 1,65 | 1,14 | 1,84 |
| Gross Profit | 94,28M | 62,71M | 74,84M | 51,74M | 82,38M |
| Operating Income | 126,38M | 57,66M | 69,98M | 47,23M | 75,53M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1,38B | 1,22B | 1,14B | 1,11B | 1,14B |
| Total Liabilities | 642,37M | 599,77M | 517,59M | 497,50M | 530,61M |
| Shareholders' Equity | 738,66M | 624,90M | 622,31M | 609,67M | 613,17M |
| Total Debt | 602,75M | 565,14M | 484,84M | 470,54M | 502,87M |
| Cash & Equivalents | 20,64M | 28,38M | 30,79M | 21,31M | 25,81M |
| Current Assets | 32,91M | 44,55M | 43,59M | 36,11M | 62,59M |
| Current Liabilities | 31,11M | 34,63M | 29,49M | 26,59M | 27,74M |