Terug
Dagbereik
€ 40,76
€ 41,58
52-Weeksbereik
€ 28,80
€ 46,02
Volume
90.387
50D / 200D Gem.
€ 42,00
/
€ 37,72
Vorige Slotkoers
€ 40,85
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 16,9 | 10,3 |
| P/B | 1,0 | 1,1 |
| ROE % | 6,3 | 11,7 |
| Net Margin % | 12,6 | 16,9 |
| Rev Growth 5Y % | 19,8 | 11,6 |
| D/E | 0,0 | 0,5 |
Koersdoel Analisten
Hold
€ 46,00
+12.3%
Low: € 43,00
High: € 49,00
Forward K/W
10,71
Forward WPA
€ 3,83
WPA Groei (sch.)
+0,0%
Omzet Sch.
426,29M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 4,17
€ 4,03 – € 4,43
|
452,37M | 4 |
| FY2026 |
€ 3,83
€ 3,68 – € 3,96
|
426,29M | 4 |
No quarterly estimates available
Dividend History
7 yr streakYield
0,02%
Payout Ratio
0,25%
Growth (3Y)
1,14%
Growth (5Y)
9,71%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 13, 2026 | Feb 27, 2026 | € 0,15 | 1,37% |
| Nov 14, 2025 | Nov 28, 2025 | € 0,15 | 1,72% |
| Aug 15, 2025 | Aug 29, 2025 | € 0,15 | 1,64% |
| May 15, 2025 | May 30, 2025 | € 0,15 | 1,76% |
| Feb 14, 2025 | Feb 28, 2025 | € 0,15 | 1,49% |
| Nov 15, 2024 | Nov 29, 2024 | € 0,15 | 1,74% |
| Aug 15, 2024 | Aug 30, 2024 | € 0,15 | 1,96% |
| May 14, 2024 | May 31, 2024 | € 0,15 | 1,82% |
| Feb 14, 2024 | Feb 29, 2024 | € 0,15 | 2,02% |
| Nov 14, 2023 | Nov 30, 2023 | € 0,15 | 1,81% |
| Aug 14, 2023 | Aug 31, 2023 | € 0,15 | 1,89% |
| May 12, 2023 | May 31, 2023 | € 0,15 | 2,27% |
| Feb 14, 2023 | Feb 28, 2023 | € 0,15 | 1,54% |
| Nov 15, 2022 | Nov 30, 2022 | € 0,15 | 1,37% |
| Aug 16, 2022 | Aug 31, 2022 | € 0,15 | 1,23% |
| May 16, 2022 | May 31, 2022 | € 0,15 | 1,45% |
| Feb 11, 2022 | Feb 28, 2022 | € 0,13 | 1,20% |
| Nov 18, 2021 | Nov 30, 2021 | € 0,13 | 1,08% |
| Aug 19, 2021 | Aug 31, 2021 | € 0,13 | 1,15% |
| May 13, 2021 | May 31, 2021 | € 0,13 | 0,95% |
Belangrijkste Punten
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
Groei
Revenue Growth (5Y)
19,82%
Revenue (1Y)-2,95%
Earnings (1Y)-1,69%
FCF Growth (3Y)21,05%
Kwaliteit
Return on Equity
6,29%
ROIC5,78%
Net Margin12,56%
Op. Margin16,50%
Veiligheid
Debt / Equity
0,03
Current Ratio0,05
Interest Coverage0,48
Waardering
P/E Ratio
16,88
Forward P/E10,71
P/B Ratio1,02
EV/EBITDA12,47
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 | ||
| Dividends | |||
| Dividend Yield | 0,02% | Payout Ratio | 0,25% |
| Dividend Growth (3Y) | 1,14% | Dividend Growth (5Y) | 9,71% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 16,88 | Forward P/E | 10,71 |
| P/B Ratio | 1,02 | P/S Ratio | 2,12 |
| PEG Ratio | -12,61 | Forward PEG | N/A |
| EV/EBITDA | 12,47 | Fwd EV/EBITDA | 10,43 |
| Forward P/S | 2,98 | Fwd Earnings Yield | 9,34% |
| FCF Yield | 11,90% | ||
| 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 |