Terug
Dagbereik
€ 37,52
€ 38,71
52-Weeksbereik
€ 32,83
€ 42,99
Volume
447.789
50D / 200D Gem.
€ 40,41
/
€ 38,65
Vorige Slotkoers
€ 38,04
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 13,3 | 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 |
Koersdoel Analisten
Hold
€ 42,00
+9.3%
Forward K/W
11,2
Forward WPA
€ 3,41
WPA Groei (sch.)
+0,0%
Omzet Sch.
540 M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 3,95
€ 3,91 – € 4,00
|
580 M | 3 |
| FY2026 |
€ 3,41
€ 3,37 – € 3,46
|
540 M | 3 |
Belangrijkste Punten
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 13,32 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 19,27%
Groei
Revenue Growth (5Y)
17,52%
Revenue (1Y)-1,75%
Earnings (1Y)-7,78%
FCF Growth (3Y)0,92%
Kwaliteit
Return on Equity
8,15%
ROIC7,35%
Net Margin18,76%
Op. Margin24,44%
Veiligheid
Debt / Equity
0,05
Current Ratio0,27
Interest Coverage0,83
Waardering
P/E Ratio
13,32
P/B Ratio1,05
EV/EBITDA7,81
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 | Dividend Yield | 0,03% |
| Valuation | |||
| P/E Ratio | 13,32 | P/B Ratio | 1,05 |
| P/S Ratio | 2,50 | PEG Ratio | -1,71 |
| EV/EBITDA | 7,81 | Dividend Yield | 0,03% |
| Market Cap | 1,46B | Enterprise Value | 1,11B |
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 |