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Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (855 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 0,4 | 10,3 |
| P/B | 0,1 | 1,1 |
| ROE % | 14,1 | 11,6 |
| Net Margin % | 5,0 | 16,8 |
| Rev Growth 5Y % | -9,2 | 11,6 |
| D/E | 0,9 | 0,5 |
Objectif de Cours des Analystes
Aucune couverture d'analyste disponible
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
2,49 €
2,49 € – 2,49 €
|
220,18B | 1 |
| FY2027 |
2,00 €
2,00 € – 2,00 €
|
200,33B | 1 |
| FY2026 |
1,79 €
1,79 € – 1,79 €
|
30,53B | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-03-17 | N/A | 0,95 € | — |
| 2025-09-10 | N/A | 0,05 € | — |
| 2025-03-25 | N/A | 0,01 € | — |
| 2025-03-18 | N/A | 0,02 € | — |
| 2024-09-26 | N/A | 0,03 € | — |
| 2024-05-31 | N/A | 0,03 € | — |
| 2024-03-27 | N/A | 0,02 € | — |
| 2023-12-31 | N/A | 0,02 € | — |
Dividend History
7 yr streakYield
1,14%
Payout Ratio
0,45%
Growth (3Y)
-0,45%
Growth (5Y)
2,92%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Apr 08, 2026 | Apr 13, 2026 | 0,03 € | 7,01% |
| Oct 03, 2025 | Oct 06, 2025 | 0,02 € | 8,02% |
| Apr 09, 2025 | Apr 14, 2025 | 0,03 € | 7,05% |
| Oct 16, 2024 | Oct 21, 2024 | 0,02 € | 5,48% |
| Apr 17, 2024 | Apr 22, 2024 | 0,03 € | 6,97% |
| Oct 18, 2023 | Oct 23, 2023 | 0,02 € | 7,57% |
| Apr 12, 2023 | Apr 17, 2023 | 0,03 € | 7,57% |
| Sep 21, 2022 | Oct 17, 2022 | 0,01 € | 8,88% |
| Apr 13, 2022 | May 23, 2022 | 0,03 € | 6,80% |
| Sep 15, 2021 | Oct 11, 2021 | 0,02 € | 6,07% |
| Apr 14, 2021 | May 24, 2021 | 0,02 € | 3,54% |
| Apr 01, 2020 | May 04, 2020 | 0,04 € | 13,74% |
| Sep 18, 2019 | Oct 14, 2019 | 0,03 € | 7,62% |
| Mar 27, 2019 | Apr 29, 2019 | 0,05 € | 14,11% |
| Sep 19, 2018 | Oct 16, 2018 | 0,10 € | 9,42% |
Points Clés
Revenue declined -9,19% annually over 5 years
ROE of 14,09% — decent returns on equity
Negative free cash flow of -4,75B
P/E of 0,39 — trading at a low valuation
PEG of 0,03 suggests growth is underpriced
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 67,65%
Croissance
Revenue Growth (5Y)
-9,19%
Revenue (1Y)58,46%
Earnings (1Y)8,89%
FCF Growth (3Y)N/A
Qualité
Return on Equity
14,09%
ROIC15,16%
Net Margin5,04%
Op. Margin13,60%
Sécurité
Debt / Equity
0,87
Current RatioN/A
Interest Coverage17,54
Valorisation
P/E Ratio
0,39
Forward P/E0,44
P/B Ratio0,05
EV/EBITDA0,67
Dividend Yield1,14%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 58,46% | Revenue Growth (3Y) | 7,19% |
| Earnings Growth (1Y) | 8,89% | Earnings Growth (3Y) | 8,72% |
| Revenue Growth (5Y) | -9,19% | Earnings Growth (5Y) | 5,81% |
| Profitability | |||
| Revenue (TTM) | 165,84B | Net Income (TTM) | 8,35B |
| ROE | 14,09% | ROA | 0,61% |
| Gross Margin | 160,10% | Operating Margin | 13,60% |
| Net Margin | 5,04% | Free Cash Flow (TTM) | -4,75B |
| ROIC | 15,16% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0,87 | Current Ratio | N/A |
| Interest Coverage | 17,54 | ||
| Dividends | |||
| Dividend Yield | 1,14% | Payout Ratio | 0,45% |
| Dividend Growth (3Y) | -0,45% | Dividend Growth (5Y) | 2,92% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 0,39 | Forward P/E | 0,44 |
| P/B Ratio | 0,05 | P/S Ratio | 0,02 |
| PEG Ratio | 0,03 | Forward PEG | N/A |
| EV/EBITDA | 0,67 | Fwd EV/EBITDA | 3,90 |
| Forward P/S | 0,11 | Fwd Earnings Yield | 227,27% |
| FCF Yield | -146,51% | ||
| Market Cap | 3,24B | Enterprise Value | 15,19B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 165,84B | 104,66B | 144,35B | 82,57B | 243,91B |
| Net Income | 8,35B | 7,67B | 7,07B | 5,23B | 6,66B |
| EPS (Diluted) | 1,90 | 1,70 | 1,54 | 1,13 | 1,49 |
| Gross Profit | 265,51B | 104,66B | 144,35B | 71,10B | 244,77B |
| Operating Income | 22,56B | 92,75B | 15,84B | 72,77B | 219,67B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1,36T | 1,24T | 1,16T | 1,06T | 1,05T |
| Total Liabilities | 1,30T | 1,17T | 1,10T | 997,91B | 988,55B |
| Shareholders' Equity | 59,73B | 58,78B | 56,06B | 57,59B | 62,17B |
| Total Debt | 51,86B | 26,03B | 57,74B | 24,97B | 31,16B |
| Cash & Equivalents | 39,91B | 38,43B | 38,12B | 37,47B | 32,93B |
| Current Assets | 61,14B | 167,88B | 272,97B | 37,47B | 95,17B |
| Current Liabilities | 0,0 | 90,07B | 179,50B | 91,90B | 8,40B |