Terug
Dagbereik
€ 139,06
€ 142,83
52-Weeksbereik
€ 81,62
€ 157,60
Volume
969.096
50D / 200D Gem.
€ 144,80
/
€ 132,47
Vorige Slotkoers
€ 140,37
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (855 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| 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 | 11,7 |
| D/E | 1,3 | 0,5 |
Koersdoel Analisten
Hold
€ 146,17
+4.6%
Low: € 131,00
High: € 160,00
Forward K/W
13,91
Forward WPA
€ 10,05
WPA Groei (sch.)
+0,0%
Omzet Sch.
8,58B
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2029 |
€ 11,80
€ 11,58 – € 12,06
|
9,48B | 1 |
| FY2028 |
€ 12,37
€ 12,15 – € 12,60
|
9,45B | 2 |
| FY2027 |
€ 11,02
€ 10,22 – € 11,75
|
8,95B | 12 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-22 | € 2,37 | € 2,69 | +13,5% |
| 2025-10-22 | € 2,26 | € 2,29 | +1,3% |
| 2025-07-23 | € 2,06 | € 2,13 | +3,4% |
| 2025-04-22 | € 1,85 | € 1,90 | +2,7% |
| 2025-01-23 | € 1,96 | € 2,26 | +15,3% |
| 2024-10-23 | € 1,74 | € 2,01 | +15,5% |
| 2024-07-17 | € 1,75 | € 1,78 | +1,7% |
| 2024-04-16 | € 1,45 | € 1,70 | +17,2% |
Dividend History
7 yr streakYield
0,02%
Payout Ratio
0,36%
Growth (3Y)
2,25%
Growth (5Y)
2,06%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 06, 2026 | Apr 01, 2026 | € 0,80 | 2,27% |
| Dec 05, 2025 | Jan 01, 2026 | € 0,80 | 2,33% |
| Sep 05, 2025 | Oct 01, 2025 | € 0,80 | 2,40% |
| Jun 06, 2025 | Jul 01, 2025 | € 0,75 | 2,78% |
| Mar 14, 2025 | Apr 01, 2025 | € 0,75 | 3,06% |
| Dec 06, 2024 | Jan 01, 2025 | € 0,75 | 2,78% |
| Sep 06, 2024 | Oct 01, 2024 | € 0,75 | 3,46% |
| Jun 07, 2024 | Jul 01, 2024 | € 0,75 | 3,65% |
| Mar 07, 2024 | Apr 01, 2024 | € 0,75 | 3,66% |
| Dec 07, 2023 | Jan 01, 2024 | € 0,75 | 3,76% |
| Sep 07, 2023 | Oct 01, 2023 | € 0,75 | 3,97% |
| Jun 08, 2023 | Jul 01, 2023 | € 0,75 | 4,03% |
| Mar 09, 2023 | Apr 01, 2023 | € 0,75 | 3,39% |
| Dec 08, 2022 | Jan 01, 2023 | € 0,75 | 3,33% |
| Sep 08, 2022 | Oct 01, 2022 | € 0,75 | 2,88% |
| Jun 09, 2022 | Jul 01, 2022 | € 0,70 | 2,63% |
| Mar 10, 2022 | Apr 01, 2022 | € 0,70 | 2,65% |
| Dec 09, 2021 | Jan 01, 2022 | € 0,70 | 2,35% |
| Sep 09, 2021 | Oct 01, 2021 | € 0,70 | 2,44% |
| Jun 10, 2021 | Jul 01, 2021 | € 0,70 | 2,39% |
Belangrijkste Punten
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
P/E of 14,95 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 31,77%
Groei
Revenue Growth (5Y)
21,84%
Revenue (1Y)-9,93%
Earnings (1Y)-14,48%
FCF Growth (3Y)67,33%
Kwaliteit
Return on Equity
13,49%
ROIC5,95%
Net Margin12,15%
Op. Margin16,30%
Veiligheid
Debt / Equity
1,27
Current Ratio0,41
Interest Coverage0,38
Waardering
P/E Ratio
14,95
Forward P/E13,91
P/B Ratio2,00
EV/EBITDA-8,04
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 | ||
| Dividends | |||
| Dividend Yield | 0,02% | Payout Ratio | 0,36% |
| Dividend Growth (3Y) | 2,25% | Dividend Growth (5Y) | 2,06% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 14,95 | Forward P/E | 13,91 |
| P/B Ratio | 2,00 | P/S Ratio | 1,82 |
| PEG Ratio | -1,43 | Forward PEG | N/A |
| EV/EBITDA | -8,04 | Fwd EV/EBITDA | -8,40 |
| Forward P/S | 3,03 | Fwd Earnings Yield | 7,19% |
| FCF Yield | 21,03% | ||
| Market Cap | 25,97B | Enterprise Value | -18,73B |
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 |