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Fourchette du Jour
17,80 €
18,31 €
Fourchette 52 Semaines
14,29 €
20,61 €
Volume
1 458 067
Moyenne 50J / 200J
18,58 €
/
18,24 €
Clôture Précédente
17,49 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 14,5 | 10,3 |
| P/B | 0,6 | 1,1 |
| ROE % | 4,2 | 11,7 |
| Net Margin % | 10,8 | 16,8 |
| Rev Growth 5Y % | 14,0 | 11,7 |
| D/E | 1,0 | 0,5 |
Objectif de Cours des Analystes
Hold
23,00 €
+28.6%
P/E Prévisionnel
9,4
BPA Prévisionnel
1,91 €
Croissance BPA (est.)
+0,0%
CA Est.
590 M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
2,75 €
2,65 € – 2,83 €
|
370 M | 1 |
| FY2027 |
2,43 €
2,34 € – 2,48 €
|
720 M | 4 |
| FY2026 |
1,91 €
1,76 € – 2,04 €
|
590 M | 4 |
Points Clés
Revenue grew 13,95% annually over 5 years — strong growth
Earnings declined -29,07% over the past year
ROE of 4,22% is below average
Generating 79,51M in free cash flow
P/E of 14,46 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 18,65%
Croissance
Revenue Growth (5Y)
13,95%
Revenue (1Y)-4,70%
Earnings (1Y)-29,07%
FCF Growth (3Y)-17,41%
Qualité
Return on Equity
4,22%
ROIC2,10%
Net Margin10,83%
Op. Margin14,11%
Sécurité
Debt / Equity
0,98
Current Ratio0,13
Interest Coverage0,33
Valorisation
P/E Ratio
14,46
P/B Ratio0,62
EV/EBITDA27,30
Dividend Yield0,05%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -4,70% | Revenue Growth (3Y) | 1,45% |
| Earnings Growth (1Y) | -29,07% | Earnings Growth (3Y) | -17,40% |
| Revenue Growth (5Y) | 13,95% | Earnings Growth (5Y) | -10,39% |
| Profitability | |||
| Revenue (TTM) | 655,60M | Net Income (TTM) | 70,98M |
| ROE | 4,22% | ROA | 0,49% |
| Gross Margin | 54,48% | Operating Margin | 14,11% |
| Net Margin | 10,83% | Free Cash Flow (TTM) | 79,51M |
| ROIC | 2,10% | FCF Growth (3Y) | -17,41% |
| Safety | |||
| Debt / Equity | 0,98 | Current Ratio | 0,13 |
| Interest Coverage | 0,33 | Dividend Yield | 0,05% |
| Valuation | |||
| P/E Ratio | 14,46 | P/B Ratio | 0,62 |
| P/S Ratio | 1,57 | PEG Ratio | -0,50 |
| EV/EBITDA | 27,30 | Dividend Yield | 0,05% |
| Market Cap | 1,03B | Enterprise Value | 2,53B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 655,60M | 687,95M | 636,96M | 485,30M | 388,84M |
| Net Income | 70,98M | 100,07M | 104,03M | 146,60M | 110,08M |
| EPS (Diluted) | 1,17 | 1,65 | 1,70 | 2,42 | 1,78 |
| Gross Profit | 357,20M | 372,12M | 381,04M | 423,83M | 363,92M |
| Operating Income | 92,52M | 130,66M | 136,77M | 193,92M | 142,24M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 14,56B | 13,42B | 13,54B | 13,10B | 11,74B |
| Total Liabilities | 12,90B | 11,72B | 11,88B | 11,52B | 10,22B |
| Shareholders' Equity | 1,66B | 1,70B | 1,66B | 1,58B | 1,52B |
| Total Debt | 1,63B | 1,26B | 1,05B | 1,48B | 349,81M |
| Cash & Equivalents | 135,13M | 123,62M | 153,72M | 167,95M | 204,95M |
| Current Assets | 1,42B | 997,03M | 959,48M | 670,30M | 805,81M |
| Current Liabilities | 11,02B | 10,13B | 10,51B | 9,74B | 9,85B |