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Fourchette du Jour
40,46 €
41,40 €
Fourchette 52 Semaines
28,80 €
46,02 €
Volume
136 417
Moyenne 50J / 200J
42,00 €
/
37,72 €
Clôture Précédente
41,01 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 16,8 | 10,3 |
| P/B | 1,0 | 1,1 |
| ROE % | 6,3 | 11,7 |
| Net Margin % | 12,6 | 16,8 |
| Rev Growth 5Y % | 19,8 | 11,6 |
| D/E | 0,0 | 0,5 |
Objectif de Cours des Analystes
Hold
46,00 €
+12.6%
Low: 43,00 €
High: 49,00 €
P/E Prévisionnel
10,7
BPA Prévisionnel
3,83 €
Croissance BPA (est.)
+0,0%
CA Est.
430 M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
4,17 €
4,03 € – 4,43 €
|
450 M | 4 |
| FY2026 |
3,83 €
3,68 € – 3,96 €
|
430 M | 4 |
Points Clés
Revenue grew 19,82% annually over 5 years — strong growth
Debt/Equity of 0,03 — conservative balance sheet
Generating 151,05M in free cash flow
Revenue growth is decelerating — 1Y growth trails 5Y average by 22,77%
Cash machine — converts 200,88% of earnings into free cash flow
Capital efficient — spends only 1,31% of revenue on capex
Croissance
Revenue Growth (5Y)
19,82%
Revenue (1Y)-2,95%
Earnings (1Y)-1,69%
FCF Growth (3Y)21,05%
Qualité
Return on Equity
6,29%
ROIC5,78%
Net Margin12,56%
Op. Margin16,50%
Sécurité
Debt / Equity
0,03
Current Ratio0,05
Interest Coverage0,48
Valorisation
P/E Ratio
16,83
P/B Ratio1,02
EV/EBITDA12,43
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -2,95% | Revenue Growth (3Y) | 1,88% |
| Earnings Growth (1Y) | -1,69% | Earnings Growth (3Y) | -5,27% |
| Revenue Growth (5Y) | 19,82% | Earnings Growth (5Y) | -8,77% |
| Profitability | |||
| Revenue (TTM) | 598,60M | Net Income (TTM) | 75,20M |
| ROE | 6,29% | ROA | 0,77% |
| Gross Margin | 58,22% | Operating Margin | 16,50% |
| Net Margin | 12,56% | Free Cash Flow (TTM) | 151,05M |
| ROIC | 5,78% | FCF Growth (3Y) | 21,05% |
| Safety | |||
| Debt / Equity | 0,03 | Current Ratio | 0,05 |
| Interest Coverage | 0,48 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 16,83 | P/B Ratio | 1,02 |
| P/S Ratio | 2,11 | PEG Ratio | -12,61 |
| EV/EBITDA | 12,43 | Dividend Yield | 0,02% |
| Market Cap | 1,27B | Enterprise Value | 1,23B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 598,60M | 616,80M | 576,69M | 377,78M | 290,46M |
| Net Income | 75,20M | 76,49M | 83,80M | 87,72M | 108,55M |
| EPS (Diluted) | 2,40 | 2,45 | 2,71 | 3,28 | 4,60 |
| Gross Profit | 348,51M | 345,13M | 336,10M | 301,76M | 275,82M |
| Operating Income | 98,80M | 97,26M | 105,92M | 107,44M | 132,43M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 9,72B | 9,68B | 9,72B | 9,69B | 7,86B |
| Total Liabilities | 8,48B | 8,53B | 8,66B | 8,74B | 7,13B |
| Shareholders' Equity | 1,25B | 1,15B | 1,06B | 949,94M | 730,21M |
| Total Debt | 35,59M | 172,40M | 277,88M | 841,00M | 467,22M |
| Cash & Equivalents | 73,12M | 470,25M | 280,44M | 358,97M | 705,62M |
| Current Assets | 104,19M | 1,57B | 1,53B | 2,21B | 2,35B |
| Current Liabilities | 1,98B | 8,23B | 8,33B | 8,53B | 6,72B |