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Fourchette du Jour
25,68 €
26,16 €
Fourchette 52 Semaines
21,94 €
29,97 €
Volume
966 413
Moyenne 50J / 200J
26,64 €
/
27,37 €
Clôture Précédente
25,87 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 7,6 | 10,3 |
| P/B | 1,1 | 1,1 |
| ROE % | 14,3 | 11,6 |
| Net Margin % | 60,8 | 16,8 |
| Rev Growth 5Y % | 0,6 | 11,6 |
| D/E | 0,1 | 0,5 |
Objectif de Cours des Analystes
Hold
30,00 €
+15.9%
P/E Prévisionnel
8,4
BPA Prévisionnel
3,07 €
Croissance BPA (est.)
+0,0%
CA Est.
1,2 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
4,06 €
4,04 € – 4,09 €
|
1,3 B | 1 |
| FY2027 |
3,33 €
3,26 € – 3,40 €
|
1,3 B | 3 |
| FY2026 |
3,07 €
3,04 € – 3,09 €
|
1,2 B | 4 |
Points Clés
Revenue grew 0,59% annually over 5 years — modest growth
ROE of 14,31% — decent returns on equity
Net margin of 60,84% shows strong profitability
Debt/Equity of 0,13 — conservative balance sheet
Generating 851,77M in free cash flow
P/E of 7,59 — trading at a low valuation
Croissance
Revenue Growth (5Y)
0,59%
Revenue (1Y)0,49%
Earnings (1Y)-3,23%
FCF Growth (3Y)9,46%
Qualité
Return on Equity
14,31%
ROIC12,02%
Net Margin60,84%
Op. Margin76,51%
Sécurité
Debt / Equity
0,13
Current RatioN/A
Interest Coverage26,91
Valorisation
P/E Ratio
7,59
P/B Ratio1,09
EV/EBITDA6,33
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 0,49% | Revenue Growth (3Y) | 2,50% |
| Earnings Growth (1Y) | -3,23% | Earnings Growth (3Y) | 1,77% |
| Revenue Growth (5Y) | 0,59% | Earnings Growth (5Y) | 3,84% |
| Profitability | |||
| Revenue (TTM) | 1,21B | Net Income (TTM) | 738,35M |
| ROE | 14,31% | ROA | 11,12% |
| Gross Margin | 94,90% | Operating Margin | 76,51% |
| Net Margin | 60,84% | Free Cash Flow (TTM) | 851,77M |
| ROIC | 12,02% | FCF Growth (3Y) | 9,46% |
| Safety | |||
| Debt / Equity | 0,13 | Current Ratio | N/A |
| Interest Coverage | 26,91 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 7,59 | P/B Ratio | 1,09 |
| P/S Ratio | 4,62 | PEG Ratio | 1,04 |
| EV/EBITDA | 6,33 | Dividend Yield | 0,02% |
| Market Cap | 5,61B | Enterprise Value | 5,88B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,21B | 1,21B | 1,16B | 1,17B | 1,19B |
| Net Income | 738,35M | 762,99M | 712,95M | 865,35M | 634,98M |
| EPS (Diluted) | 3,14 | 2,89 | 2,49 | 2,79 | 1,85 |
| Gross Profit | 1,15B | 1,21B | 1,17B | 1,41B | 1,11B |
| Operating Income | 928,54M | 968,71M | 902,23M | 1,09B | 801,78M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 6,64B | 6,55B | 6,54B | 6,21B | 7,33B |
| Total Liabilities | 1,49B | 1,37B | 1,47B | 1,57B | 2,46B |
| Shareholders' Equity | 5,15B | 5,17B | 5,07B | 4,64B | 4,86B |
| Total Debt | 646,14M | 644,67M | 643,20M | 662,81M | 1,15B |
| Cash & Equivalents | 375,51M | 229,49M | 363,67M | 327,38M | 284,69M |
| Current Assets | 0,0 | 0,0 | 0,0 | 0,0 | 755,00M |
| Current Liabilities | 0,0 | 0,0 | 0,0 | 0,0 | 0,0 |