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Fourchette du Jour
133,58 €
141,53 €
Fourchette 52 Semaines
81,62 €
157,60 €
Volume
1 292 819
Moyenne 50J / 200J
144,80 €
/
132,47 €
Clôture Précédente
137,14 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 15,0 | 10,3 |
| P/B | 2,0 | 1,1 |
| ROE % | 13,5 | 11,7 |
| Net Margin % | 12,2 | 16,8 |
| Rev Growth 5Y % | 21,8 | 11,6 |
| D/E | 1,3 | 0,5 |
Objectif de Cours des Analystes
Hold
146,17 €
+4.1%
Low: 131,00 €
High: 160,00 €
P/E Prévisionnel
13,7
BPA Prévisionnel
10,05 €
Croissance BPA (est.)
+0,0%
CA Est.
8,6 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2029 |
11,80 €
11,58 € – 12,06 €
|
9,5 B | 1 |
| FY2028 |
12,37 €
12,15 € – 12,60 €
|
9,5 B | 2 |
| FY2027 |
11,02 €
10,22 € – 11,75 €
|
8,9 B | 12 |
Points Clés
Revenue grew 21,84% annually over 5 years — strong growth
Earnings declined -14,48% over the past year
ROE of 13,49% — decent returns on equity
Generating 5,46B in free cash flow
Revenue growth is decelerating — 1Y growth trails 5Y average by 31,77%
Cash machine — converts 314,32% of earnings into free cash flow
Croissance
Revenue Growth (5Y)
21,84%
Revenue (1Y)-9,93%
Earnings (1Y)-14,48%
FCF Growth (3Y)67,33%
Qualité
Return on Equity
13,49%
ROIC5,95%
Net Margin12,15%
Op. Margin16,30%
Sécurité
Debt / Equity
1,27
Current Ratio0,41
Interest Coverage0,38
Valorisation
P/E Ratio
15,02
P/B Ratio2,01
EV/EBITDA-7,98
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -9,93% | Revenue Growth (3Y) | 8,64% |
| Earnings Growth (1Y) | -14,48% | Earnings Growth (3Y) | 25,24% |
| Revenue Growth (5Y) | 21,84% | Earnings Growth (5Y) | 2,97% |
| Profitability | |||
| Revenue (TTM) | 14,30B | Net Income (TTM) | 1,74B |
| ROE | 13,49% | ROA | 0,98% |
| Gross Margin | 56,54% | Operating Margin | 16,30% |
| Net Margin | 12,15% | Free Cash Flow (TTM) | 5,46B |
| ROIC | 5,95% | FCF Growth (3Y) | 67,33% |
| Safety | |||
| Debt / Equity | 1,27 | Current Ratio | 0,41 |
| Interest Coverage | 0,38 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 15,02 | P/B Ratio | 2,01 |
| P/S Ratio | 1,82 | PEG Ratio | -1,43 |
| EV/EBITDA | -7,98 | Dividend Yield | 0,02% |
| Market Cap | 26,08B | Enterprise Value | -18,62B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 14,30B | 15,88B | 12,12B | 7,75B | 6,49B |
| Net Income | 1,74B | 2,03B | 1,11B | 1,34B | 1,55B |
| EPS (Diluted) | 8,74 | 9,77 | 5,08 | 6,14 | 7,14 |
| Gross Profit | 8,09B | 8,29B | 6,75B | 6,75B | 6,55B |
| Operating Income | 2,33B | 2,66B | 1,46B | 1,77B | 2,01B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 177,13B | 155,51B | 150,78B | 155,04B | 183,89B |
| Total Liabilities | 164,17B | 142,72B | 138,89B | 143,78B | 171,87B |
| Shareholders' Equity | 12,96B | 12,79B | 11,90B | 11,26B | 12,02B |
| Total Debt | 16,43B | 15,99B | 17,24B | 14,85B | 8,43B |
| Cash & Equivalents | 61,13B | 45,40B | 41,06B | 46,63B | 69,59B |
| Current Assets | 63,78B | 56,58B | 65,14B | 76,22B | 110,24B |
| Current Liabilities | 155,74B | 125,10B | 119,99B | 126,40B | 160,96B |