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OTC
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€ 17,79
€ 18,07
52-Weeksbereik
€ 11,07
€ 20,61
Volume
50.883
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€ 19,28
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Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 12,7 | 10,3 |
| P/B | 1,9 | 1,1 |
| ROE % | 14,9 | 11,6 |
| Net Margin % | 22,2 | 16,8 |
| Rev Growth 5Y % | 20,3 | 11,6 |
| D/E | 6,3 | 0,5 |
Koersdoel Analisten
Geen analistendekking beschikbaar
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 1,48
€ 1,45 – € 1,49
|
10,74B | 1 |
| FY2026 |
€ 1,46
€ 1,42 – € 1,49
|
11,82B | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-29 | € 0,32 | € 0,40 | +26,0% |
| 2025-10-16 | N/A | € 0,42 | — |
| 2025-07-17 | N/A | € 0,40 | — |
| 2025-04-16 | N/A | € 0,36 | — |
| 2025-01-30 | € 0,32 | € 0,34 | +7,4% |
| 2024-10-17 | € 0,34 | € 0,39 | +16,1% |
| 2024-07-15 | € 0,39 | € 0,40 | +2,6% |
| 2024-04-25 | N/A | € 0,41 | — |
Dividend History
7 yr streakYield
0,06%
Payout Ratio
0,65%
Growth (3Y)
9,07%
Growth (5Y)
4,96%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 26, 2026 | Apr 10, 2026 | € 0,52 | 2,90% |
| Mar 24, 2025 | Apr 07, 2025 | € 1,01 | 7,74% |
| Mar 22, 2024 | Apr 10, 2024 | € 0,99 | 8,82% |
| Mar 24, 2023 | Apr 10, 2023 | € 0,87 | 8,65% |
| Mar 25, 2022 | Apr 11, 2022 | € 0,78 | 15,26% |
| Oct 04, 2021 | Oct 19, 2021 | € 0,83 | 7,53% |
| Feb 19, 2021 | Mar 08, 2021 | € 0,08 | 4,83% |
| May 15, 2020 | Jun 02, 2020 | € 0,35 | 14,32% |
| Mar 26, 2020 | Apr 10, 2020 | € 0,45 | 8,13% |
| Mar 29, 2019 | Apr 23, 2019 | € 1,56 | 20,24% |
| Mar 16, 2018 | Apr 02, 2018 | € 0,84 | 7,72% |
| Mar 16, 2017 | Apr 03, 2017 | € 0,70 | 5,99% |
| Mar 17, 2016 | Apr 06, 2016 | € 0,73 | 7,25% |
| Mar 19, 2015 | Apr 06, 2015 | € 0,67 | 5,37% |
| Mar 21, 2014 | Apr 08, 2014 | € 0,59 | 4,29% |
| Mar 15, 2013 | Apr 02, 2013 | € 0,44 | 3,71% |
| Mar 23, 2012 | Apr 10, 2012 | € 0,35 | 3,75% |
| Mar 25, 2011 | Apr 13, 2011 | € 0,41 | 3,89% |
| Mar 26, 2010 | Apr 23, 2010 | € 0,33 | 3,31% |
| Apr 09, 2009 | Apr 17, 2009 | € 1,50 | 26,57% |
Belangrijkste Punten
Revenue grew 20,32% annually over 5 years — strong growth
ROE of 14,93% — decent returns on equity
Net margin of 22,17% shows strong profitability
Debt/Equity of 6,33 — high leverage
Negative free cash flow of -3,79B
P/E of 12,70 — trading at a low valuation
Groei
Revenue Growth (5Y)
20,32%
Revenue (1Y)80,90%
Earnings (1Y)-4,33%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
14,93%
ROIC1,99%
Net Margin22,17%
Op. Margin28,94%
Veiligheid
Debt / Equity
6,33
Current Ratio0,17
Interest Coverage0,63
Waardering
P/E Ratio
12,70
Forward P/E12,17
P/B Ratio1,90
EV/EBITDA35,05
Dividend Yield0,06%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 80,90% | Revenue Growth (3Y) | -4,66% |
| Earnings Growth (1Y) | -4,33% | Earnings Growth (3Y) | -0,96% |
| Revenue Growth (5Y) | 20,32% | Earnings Growth (5Y) | 6,02% |
| Profitability | |||
| Revenue (TTM) | 21,83B | Net Income (TTM) | 4,84B |
| ROE | 14,93% | ROA | 0,74% |
| Gross Margin | 53,80% | Operating Margin | 28,94% |
| Net Margin | 22,17% | Free Cash Flow (TTM) | -3,79B |
| ROIC | 1,99% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 6,33 | Current Ratio | 0,17 |
| Interest Coverage | 0,63 | ||
| Dividends | |||
| Dividend Yield | 0,06% | Payout Ratio | 0,65% |
| Dividend Growth (3Y) | 9,07% | Dividend Growth (5Y) | 4,96% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 12,70 | Forward P/E | 12,17 |
| P/B Ratio | 1,90 | P/S Ratio | 2,82 |
| PEG Ratio | -3,32 | Forward PEG | N/A |
| EV/EBITDA | 35,05 | Fwd EV/EBITDA | 61,37 |
| Forward P/S | 5,20 | Fwd Earnings Yield | 8,22% |
| FCF Yield | -6,17% | ||
| Market Cap | 61,46B | Enterprise Value | 221,39B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 21,83B | 12,07B | 24,02B | 12,83B | 10,41B |
| Net Income | 4,84B | 5,06B | 4,93B | 3,59B | 3,83B |
| EPS (Diluted) | 1,39 | 1,44 | 1,37 | 0,94 | 0,96 |
| Gross Profit | 11,74B | 12,07B | 11,74B | 9,68B | 9,66B |
| Operating Income | 6,32B | 6,75B | 6,34B | 4,76B | 4,94B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 654,35B | 623,36B | 584,70B | 594,84B | 570,35B |
| Total Liabilities | 621,93B | 590,92B | 553,48B | 563,44B | 536,85B |
| Shareholders' Equity | 32,42B | 32,44B | 31,23B | 31,40B | 33,49B |
| Total Debt | 205,09B | 197,31B | 191,05B | 190,28B | 183,79B |
| Cash & Equivalents | 45,15B | 50,64B | 52,53B | 62,70B | 47,90B |
| Current Assets | 45,99B | 51,77B | 53,29B | 62,70B | 55,97B |
| Current Liabilities | 277,01B | 246,48B | 228,92B | 485,00M | 215,60B |