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Fourchette du Jour
11,50 €
11,76 €
Fourchette 52 Semaines
9,43 €
17,80 €
Volume
647 856
Moyenne 50J / 200J
14,17 €
/
14,37 €
Clôture Précédente
11,36 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (855 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 21,5 | 10,3 |
| P/B | 3,0 | 1,1 |
| ROE % | 15,6 | 11,6 |
| Net Margin % | 22,3 | 16,8 |
| Rev Growth 5Y % | 13,0 | 11,6 |
| D/E | 0,3 | 0,5 |
Objectif de Cours des Analystes
Hold
20,00 €
+73.2%
P/E Prévisionnel
8,51
BPA Prévisionnel
1,36 €
Croissance BPA (est.)
+0,0%
CA Est.
429,17M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
1,92 €
1,83 € – 2,00 €
|
577,00M | 1 |
| FY2027 |
1,61 €
1,55 € – 1,66 €
|
489,68M | 3 |
| FY2026 |
1,36 €
1,31 € – 1,40 €
|
429,17M | 2 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-03 | 0,45 € | 0,50 € | +10,8% |
| 2025-11-04 | 0,26 € | 0,30 € | +15,4% |
| 2025-08-01 | 0,30 € | 0,24 € | -20,0% |
| 2025-05-02 | 0,25 € | 0,23 € | -8,0% |
| 2025-02-12 | 0,36 € | 0,58 € | +61,1% |
| 2024-11-05 | 0,24 € | 0,23 € | -4,2% |
| 2024-08-01 | 0,22 € | 0,22 € | 0,0% |
| 2024-05-02 | 0,34 € | 0,21 € | -38,2% |
Dividend History
5 yr streakYield
0,04%
Payout Ratio
1,11%
Growth (3Y)
-5,10%
Growth (5Y)
N/A
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 20, 2026 | Mar 12, 2026 | 0,15 € | 4,29% |
| Nov 14, 2025 | Dec 12, 2025 | 0,15 € | 4,07% |
| Aug 15, 2025 | Sep 15, 2025 | 0,15 € | 4,36% |
| May 14, 2025 | Jun 12, 2025 | 0,15 € | 4,80% |
| Feb 25, 2025 | Mar 17, 2025 | 0,15 € | 5,36% |
| Nov 18, 2024 | Dec 09, 2024 | 0,15 € | 7,48% |
| Aug 19, 2024 | Sep 09, 2024 | 0,15 € | 7,82% |
| May 17, 2024 | Jun 10, 2024 | 0,18 € | 7,86% |
| Feb 21, 2024 | Mar 08, 2024 | 0,40 € | 7,03% |
| Nov 21, 2023 | Dec 08, 2023 | 0,20 € | 6,95% |
| Aug 15, 2023 | Sep 08, 2023 | 0,25 € | 6,52% |
| May 16, 2023 | Jun 08, 2023 | 0,23 € | 6,06% |
| Feb 28, 2023 | Mar 22, 2023 | 0,31 € | 5,36% |
| Nov 14, 2022 | Dec 07, 2022 | 0,17 € | 5,13% |
| Sep 01, 2022 | Sep 16, 2022 | 0,17 € | 4,87% |
| Jun 01, 2022 | Jun 16, 2022 | 0,20 € | 5,92% |
| Mar 01, 2022 | Mar 16, 2022 | 0,16 € | 5,36% |
| Dec 01, 2021 | Dec 16, 2021 | 0,14 € | 4,24% |
| Sep 01, 2021 | Sep 16, 2021 | 0,46 € | 3,51% |
| Jun 01, 2021 | Jun 16, 2021 | 0,11 € | 0,63% |
Points Clés
Revenue grew 12,99% annually over 5 years — strong growth
Earnings grew 19,10% over the past year
ROE of 15,57% — decent returns on equity
Net margin of 22,30% shows strong profitability
Debt/Equity of 0,28 — conservative balance sheet
Negative free cash flow of 0,0
Croissance
Revenue Growth (5Y)
12,99%
Revenue (1Y)2,56%
Earnings (1Y)19,10%
FCF Growth (3Y)N/A
Qualité
Return on Equity
15,57%
ROIC12,42%
Net Margin22,30%
Op. Margin34,21%
Sécurité
Debt / Equity
0,28
Current Ratio1,03
Interest Coverage0,00
Valorisation
P/E Ratio
21,52
Forward P/E8,51
P/B Ratio2,98
EV/EBITDA14,94
Dividend Yield0,04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 2,56% | Revenue Growth (3Y) | 8,24% |
| Earnings Growth (1Y) | 19,10% | Earnings Growth (3Y) | -14,97% |
| Revenue Growth (5Y) | 12,99% | Earnings Growth (5Y) | -8,57% |
| Profitability | |||
| Revenue (TTM) | 383,80M | Net Income (TTM) | 85,60M |
| ROE | 15,57% | ROA | 5,75% |
| Gross Margin | 96,20% | Operating Margin | 34,21% |
| Net Margin | 22,30% | Free Cash Flow (TTM) | 0,0 |
| ROIC | 12,42% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0,28 | Current Ratio | 1,03 |
| Interest Coverage | 0,00 | ||
| Dividends | |||
| Dividend Yield | 0,04% | Payout Ratio | 1,11% |
| Dividend Growth (3Y) | -5,10% | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | 5 yrs | ||
| Valuation | |||
| P/E Ratio | 21,52 | Forward P/E | 8,51 |
| P/B Ratio | 2,98 | P/S Ratio | 4,80 |
| PEG Ratio | 1,97 | Forward PEG | N/A |
| EV/EBITDA | 14,94 | Fwd EV/EBITDA | 10,45 |
| Forward P/S | 4,29 | Fwd Earnings Yield | 11,75% |
| FCF Yield | 0,00% | ||
| Market Cap | 1,84B | Enterprise Value | 1,96B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 383,80M | 374,20M | 327,62M | 258,88M | 235,52M |
| Net Income | 85,60M | 71,88M | 118,40M | 92,96M | 122,48M |
| EPS (Diluted) | 0,54 | 0,47 | 0,80 | 0,63 | 0,90 |
| Gross Profit | 369,20M | 323,72M | 288,88M | 224,05M | 220,88M |
| Operating Income | 131,30M | 165,90M | 163,86M | 130,41M | 137,22M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1,49B | 1,21B | 1,01B | 976,24M | 761,32M |
| Total Liabilities | 850,60M | 715,18M | 490,24M | 462,78M | 197,04M |
| Shareholders' Equity | 618,20M | 481,08M | 542,49M | 552,79M | 564,29M |
| Total Debt | 174,90M | 250,41M | 15,84M | 16,09M | 7,86M |
| Cash & Equivalents | 55,00M | 33,42M | 16,05M | 26,52M | 15,26M |
| Current Assets | 403,60M | 372,68M | 401,59M | 479,64M | 352,32M |
| Current Liabilities | 393,00M | 397,39M | 397,50M | 338,00M | 156,23M |