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Fourchette du Jour
38,53 €
39,09 €
Fourchette 52 Semaines
32,83 €
42,99 €
Volume
301 842
Moyenne 50J / 200J
40,41 €
/
38,65 €
Clôture Précédente
38,44 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (855 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 13,4 | 10,3 |
| P/B | 1,1 | 1,1 |
| ROE % | 8,2 | 11,6 |
| Net Margin % | 18,8 | 16,8 |
| Rev Growth 5Y % | 17,5 | 11,6 |
| D/E | 0,1 | 0,5 |
Objectif de Cours des Analystes
Hold
42,00 €
+8.4%
P/E Prévisionnel
11,37
BPA Prévisionnel
3,41 €
Croissance BPA (est.)
+0,0%
CA Est.
543,97M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
3,95 €
3,91 € – 4,00 €
|
580,66M | 3 |
| FY2026 |
3,41 €
3,37 € – 3,46 €
|
543,97M | 3 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-27 | 0,82 € | 0,60 € | -26,7% |
| 2025-10-21 | 0,90 € | 0,96 € | +6,7% |
| 2025-07-22 | 0,82 € | 0,88 € | +7,3% |
| 2025-04-22 | 0,76 € | 0,63 € | -17,1% |
| 2025-01-22 | 0,79 € | 0,86 € | +8,9% |
| 2024-10-22 | 0,75 € | 0,86 € | +14,7% |
| 2024-07-23 | 0,74 € | 0,68 € | -8,1% |
| 2024-04-24 | 0,76 € | 0,82 € | +7,9% |
Dividend History
7 yr streakYield
0,03%
Payout Ratio
0,42%
Growth (3Y)
8,48%
Growth (5Y)
8,45%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 27, 2026 | Mar 13, 2026 | 0,32 € | 3,08% |
| Nov 28, 2025 | Dec 15, 2025 | 0,31 € | 3,22% |
| Aug 29, 2025 | Sep 15, 2025 | 0,30 € | 3,01% |
| May 30, 2025 | Jun 13, 2025 | 0,30 € | 3,21% |
| Feb 28, 2025 | Mar 14, 2025 | 0,29 € | 2,72% |
| Nov 29, 2024 | Dec 13, 2024 | 0,29 € | 2,35% |
| Aug 30, 2024 | Sep 13, 2024 | 0,28 € | 2,51% |
| May 31, 2024 | Jun 14, 2024 | 0,28 € | 2,96% |
| Feb 22, 2024 | Mar 15, 2024 | 0,27 € | 3,18% |
| Nov 22, 2023 | Dec 15, 2023 | 0,27 € | 3,19% |
| Aug 24, 2023 | Sep 15, 2023 | 0,26 € | 3,22% |
| May 25, 2023 | Jun 15, 2023 | 0,26 € | 3,23% |
| Feb 23, 2023 | Mar 15, 2023 | 0,25 € | 2,33% |
| Nov 23, 2022 | Dec 15, 2022 | 0,25 € | 1,96% |
| Aug 25, 2022 | Sep 15, 2022 | 0,23 € | 2,19% |
| May 26, 2022 | Jun 15, 2022 | 0,23 € | 2,23% |
| Feb 24, 2022 | Mar 15, 2022 | 0,23 € | 2,07% |
| Nov 24, 2021 | Dec 15, 2021 | 0,22 € | 1,89% |
| Aug 26, 2021 | Sep 15, 2021 | 0,22 € | 2,31% |
| May 27, 2021 | Jun 15, 2021 | 0,22 € | 2,09% |
Points Clés
Revenue grew 17,52% annually over 5 years — strong growth
Net margin of 18,76% shows strong profitability
Debt/Equity of 0,05 — conservative balance sheet
Generating 132,50M in free cash flow
P/E of 13,43 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 19,27%
Croissance
Revenue Growth (5Y)
17,52%
Revenue (1Y)-1,75%
Earnings (1Y)-7,78%
FCF Growth (3Y)0,92%
Qualité
Return on Equity
8,15%
ROIC7,35%
Net Margin18,76%
Op. Margin24,44%
Sécurité
Debt / Equity
0,05
Current Ratio0,27
Interest Coverage0,83
Valorisation
P/E Ratio
13,43
Forward P/E11,37
P/B Ratio1,06
EV/EBITDA7,89
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -1,75% | Revenue Growth (3Y) | 2,71% |
| Earnings Growth (1Y) | -7,78% | Earnings Growth (3Y) | -12,17% |
| Revenue Growth (5Y) | 17,52% | Earnings Growth (5Y) | 4,02% |
| Profitability | |||
| Revenue (TTM) | 583,94M | Net Income (TTM) | 109,57M |
| ROE | 8,15% | ROA | 1,11% |
| Gross Margin | 69,18% | Operating Margin | 24,44% |
| Net Margin | 18,76% | Free Cash Flow (TTM) | 132,50M |
| ROIC | 7,35% | FCF Growth (3Y) | 0,92% |
| Safety | |||
| Debt / Equity | 0,05 | Current Ratio | 0,27 |
| Interest Coverage | 0,83 | ||
| Dividends | |||
| Dividend Yield | 0,03% | Payout Ratio | 0,42% |
| Dividend Growth (3Y) | 8,48% | Dividend Growth (5Y) | 8,45% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 13,43 | Forward P/E | 11,37 |
| P/B Ratio | 1,06 | P/S Ratio | 2,52 |
| PEG Ratio | -1,71 | Forward PEG | N/A |
| EV/EBITDA | 7,89 | Fwd EV/EBITDA | 6,30 |
| Forward P/S | 2,70 | Fwd Earnings Yield | 8,80% |
| FCF Yield | 9,01% | ||
| Market Cap | 1,47B | Enterprise Value | 1,13B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 583,94M | 594,31M | 553,56M | 346,52M | 306,15M |
| Net Income | 109,57M | 118,82M | 142,05M | 71,27M | 93,61M |
| EPS (Diluted) | 2,85 | 3,08 | 3,72 | 2,18 | 3,01 |
| Gross Profit | 403,97M | 394,68M | 411,80M | 291,94M | 301,62M |
| Operating Income | 142,73M | 145,25M | 175,60M | 86,18M | 114,97M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 9,88B | 9,81B | 9,95B | 9,57B | 7,21B |
| Total Liabilities | 8,50B | 8,50B | 8,74B | 8,48B | 6,37B |
| Shareholders' Equity | 1,39B | 1,31B | 1,21B | 1,09B | 840,11M |
| Total Debt | 71,89M | 123,41M | 413,83M | 459,10M | 62,25M |
| Cash & Equivalents | 417,06M | 127,85M | 190,83M | 195,51M | 845,70M |
| Current Assets | 945,70M | 655,40M | 819,66M | 901,79M | 1,54B |
| Current Liabilities | 3,46B | 8,26B | 8,21B | 7,89B | 6,25B |