Terug
4
Dagbereik
€ 52,17
€ 54,20
52-Weeksbereik
€ 38,00
€ 71,93
Volume
879.491
50D / 200D Gem.
€ 59,39
/
€ 59,44
Vorige Slotkoers
€ 53,27
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (855 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 8,0 | 10,3 |
| P/B | 1,8 | 1,1 |
| ROE % | 23,8 | 11,7 |
| Net Margin % | 12,5 | 16,8 |
| Rev Growth 5Y % | 5,9 | 11,7 |
| D/E | 6,7 | 0,5 |
Koersdoel Analisten
Hold
€ 69,71
+31.3%
Low: € 55,00
High: € 76,00
Forward K/W
7,05
Forward WPA
€ 7,53
WPA Groei (sch.)
+0,0%
Omzet Sch.
5,34B
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2028 |
€ 10,65
€ 10,45 – € 10,88
|
6,24B | 1 |
| FY2027 |
€ 8,93
€ 8,45 – € 9,26
|
5,71B | 7 |
| FY2026 |
€ 7,53
€ 6,94 – € 7,83
|
5,34B | 9 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-05 | € 1,54 | € 1,59 | +3,2% |
| 2025-10-31 | € 1,61 | € 1,90 | +18,0% |
| 2025-07-25 | € 1,25 | € 1,45 | +16,0% |
| 2025-04-29 | € 1,57 | € 1,72 | +9,6% |
| 2025-01-31 | € 1,12 | € 1,16 | +3,6% |
| 2024-10-30 | € 1,14 | € 1,26 | +10,5% |
| 2024-07-31 | € 0,90 | € 1,02 | +13,3% |
| 2024-04-30 | € 1,39 | € 1,45 | +4,3% |
Dividend History
7 yr streakYield
0,06%
Payout Ratio
0,64%
Growth (3Y)
3,15%
Growth (5Y)
-5,76%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 17, 2026 | Feb 23, 2026 | € 1,05 | 7,41% |
| Nov 10, 2025 | Nov 14, 2025 | € 1,05 | 6,96% |
| Aug 04, 2025 | Aug 13, 2025 | € 1,04 | 7,45% |
| May 09, 2025 | May 16, 2025 | € 1,04 | 8,49% |
| Feb 12, 2025 | Feb 20, 2025 | € 1,04 | 7,59% |
| Nov 12, 2024 | Nov 18, 2024 | € 1,04 | 7,61% |
| Aug 12, 2024 | Aug 16, 2024 | € 1,04 | 9,19% |
| May 09, 2024 | May 17, 2024 | € 1,04 | 7,88% |
| Feb 16, 2024 | Feb 23, 2024 | € 1,00 | 8,60% |
| Nov 03, 2023 | Nov 10, 2023 | € 1,00 | 10,46% |
| Aug 04, 2023 | Aug 11, 2023 | € 1,00 | 8,86% |
| May 04, 2023 | May 12, 2023 | € 1,00 | 11,37% |
| Feb 16, 2023 | Feb 24, 2023 | € 1,00 | 8,67% |
| Nov 04, 2022 | Nov 14, 2022 | € 0,95 | 10,28% |
| Aug 05, 2022 | Aug 12, 2022 | € 0,95 | 9,72% |
| May 06, 2022 | May 13, 2022 | € 0,95 | 15,19% |
| Feb 11, 2022 | Feb 18, 2022 | € 0,95 | 12,54% |
| Nov 01, 2021 | Nov 09, 2021 | € 0,70 | 17,93% |
| Aug 05, 2021 | Aug 13, 2021 | € 4,20 | 15,94% |
| May 05, 2021 | May 13, 2021 | € 0,70 | 13,38% |
Belangrijkste Punten
Revenue grew 5,85% annually over 5 years — modest growth
Earnings grew 53,83% over the past year
ROE of 23,76% indicates high profitability
Debt/Equity of 6,67 — high leverage
Generating 3,13B in free cash flow
P/E of 7,98 — trading at a low valuation
Groei
Revenue Growth (5Y)
5,85%
Revenue (1Y)9,09%
Earnings (1Y)53,83%
FCF Growth (3Y)11,47%
Kwaliteit
Return on Equity
23,76%
ROIC2,88%
Net Margin12,54%
Op. Margin16,04%
Veiligheid
Debt / Equity
6,67
Current RatioN/A
Interest Coverage0,79
Waardering
P/E Ratio
7,98
Forward P/E7,05
P/B Ratio1,84
EV/EBITDA28,00
Dividend Yield0,06%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 9,09% | Revenue Growth (3Y) | 8,53% |
| Earnings Growth (1Y) | 53,83% | Earnings Growth (3Y) | 10,52% |
| Revenue Growth (5Y) | 5,85% | Earnings Growth (5Y) | -12,14% |
| Profitability | |||
| Revenue (TTM) | 6,24B | Net Income (TTM) | 783,00M |
| ROE | 23,76% | ROA | 2,86% |
| Gross Margin | 47,63% | Operating Margin | 16,04% |
| Net Margin | 12,54% | Free Cash Flow (TTM) | 3,13B |
| ROIC | 2,88% | FCF Growth (3Y) | 11,47% |
| Safety | |||
| Debt / Equity | 6,67 | Current Ratio | N/A |
| Interest Coverage | 0,79 | ||
| Dividends | |||
| Dividend Yield | 0,06% | Payout Ratio | 0,64% |
| Dividend Growth (3Y) | 3,15% | Dividend Growth (5Y) | -5,76% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 7,98 | Forward P/E | 7,05 |
| P/B Ratio | 1,84 | P/S Ratio | 1,00 |
| PEG Ratio | 0,19 | Forward PEG | N/A |
| EV/EBITDA | 28,00 | Fwd EV/EBITDA | 20,85 |
| Forward P/S | 1,17 | Fwd Earnings Yield | 14,18% |
| FCF Yield | 50,09% | ||
| Market Cap | 6,25B | Enterprise Value | 28,03B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 6,24B | 5,72B | 5,30B | 5,09B | 4,97B |
| Net Income | 783,00M | 509,00M | 641,00M | 872,00M | 1,31B |
| EPS (Diluted) | 6,56 | 4,24 | 5,31 | 7,01 | 9,88 |
| Gross Profit | 2,97B | 2,50B | 2,56B | 2,80B | 3,44B |
| Operating Income | 1,00B | 667,00M | 840,00M | 1,16B | 1,74B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 27,39B | 25,91B | 24,29B | 22,54B | 22,08B |
| Total Liabilities | 23,99B | 22,72B | 21,11B | 19,52B | 18,99B |
| Shareholders' Equity | 3,40B | 3,19B | 3,19B | 3,02B | 3,09B |
| Total Debt | 22,69B | 21,44B | 19,81B | 18,28B | 17,75B |
| Cash & Equivalents | 914,00M | 458,00M | 1,01B | 498,00M | 541,00M |
| Current Assets | 2,03B | 2,68B | 3,20B | 2,23B | 2,45B |
| Current Liabilities | 0,0 | 0,0 | 0,0 | 0,0 | 0,0 |
Strategiescores
This stock passed the criteria for 1 strategy
Score = fit strength (0–100)
Rank = position among all matches
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