Terug
Dagbereik
€ 32,01
€ 32,47
52-Weeksbereik
€ 26,21
€ 34,33
Volume
176.065
50D / 200D Gem.
€ 32,35
/
€ 30,58
Vorige Slotkoers
€ 32,15
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 10,8 | 10,3 |
| P/B | 1,0 | 1,1 |
| ROE % | 9,2 | 11,6 |
| Net Margin % | 17,3 | 16,8 |
| Rev Growth 5Y % | 26,1 | 11,6 |
| D/E | 0,6 | 0,5 |
Koersdoel Analisten
Hold
€ 34,25
+6.6%
Low: € 33,50
High: € 35,00
Forward K/W
9,47
Forward WPA
€ 3,38
WPA Groei (sch.)
+0,0%
Omzet Sch.
478,48M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 3,53
€ 3,36 – € 3,69
|
494,45M | 6 |
| FY2026 |
€ 3,38
€ 3,34 – € 3,49
|
478,48M | 6 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-26 | N/A | € 0,90 | — |
| 2025-10-21 | € 0,83 | € 0,90 | +8,4% |
| 2025-07-22 | € 0,78 | € 0,60 | -23,1% |
| 2025-04-22 | € 0,73 | € 0,69 | -5,5% |
| 2025-01-21 | € 0,75 | € 0,82 | +9,3% |
| 2024-10-22 | € 0,82 | € 0,89 | +8,5% |
| 2024-07-23 | € 0,85 | € 0,82 | -3,5% |
| 2024-04-23 | € 0,80 | € 0,84 | +5,0% |
Dividend History
7 yr streakYield
0,06%
Payout Ratio
0,54%
Growth (3Y)
2,81%
Growth (5Y)
3,54%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 02, 2026 | Feb 17, 2026 | € 0,41 | 5,03% |
| Nov 04, 2025 | Nov 18, 2025 | € 0,41 | 5,74% |
| Aug 04, 2025 | Aug 18, 2025 | € 0,41 | 5,73% |
| May 05, 2025 | May 19, 2025 | € 0,41 | 5,49% |
| Feb 03, 2025 | Feb 18, 2025 | € 0,40 | 4,98% |
| Nov 04, 2024 | Nov 18, 2024 | € 0,40 | 5,25% |
| Aug 05, 2024 | Aug 19, 2024 | € 0,40 | 5,37% |
| May 03, 2024 | May 20, 2024 | € 0,40 | 5,24% |
| Feb 02, 2024 | Feb 20, 2024 | € 0,39 | 5,45% |
| Nov 03, 2023 | Nov 20, 2023 | € 0,39 | 5,44% |
| Aug 04, 2023 | Aug 21, 2023 | € 0,39 | 5,56% |
| May 05, 2023 | May 22, 2023 | € 0,39 | 6,01% |
| Feb 03, 2023 | Feb 21, 2023 | € 0,38 | 5,02% |
| Nov 04, 2022 | Nov 21, 2022 | € 0,38 | 5,05% |
| Aug 05, 2022 | Aug 22, 2022 | € 0,38 | 4,92% |
| May 06, 2022 | May 23, 2022 | € 0,38 | 5,30% |
| Feb 04, 2022 | Feb 22, 2022 | € 0,36 | 4,41% |
| Nov 05, 2021 | Nov 22, 2021 | € 0,36 | 4,36% |
| Jul 30, 2021 | Aug 16, 2021 | € 0,36 | 4,82% |
| Apr 30, 2021 | May 17, 2021 | € 0,36 | 4,19% |
Belangrijkste Punten
Revenue grew 26,13% annually over 5 years — strong growth
Net margin of 17,27% shows strong profitability
Generating 128,70M in free cash flow
P/E of 10,80 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 25,73%
Cash machine — converts 120,53% of earnings into free cash flow
Groei
Revenue Growth (5Y)
26,13%
Revenue (1Y)0,40%
Earnings (1Y)-8,90%
FCF Growth (3Y)-0,57%
Kwaliteit
Return on Equity
9,21%
ROIC5,21%
Net Margin17,27%
Op. Margin21,80%
Veiligheid
Debt / Equity
0,61
Current Ratio0,84
Interest Coverage0,85
Waardering
P/E Ratio
10,80
Forward P/E9,47
P/B Ratio0,96
EV/EBITDA12,60
Dividend Yield0,06%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 0,40% | Revenue Growth (3Y) | 8,79% |
| Earnings Growth (1Y) | -8,90% | Earnings Growth (3Y) | -2,95% |
| Revenue Growth (5Y) | 26,13% | Earnings Growth (5Y) | 22,41% |
| Profitability | |||
| Revenue (TTM) | 618,38M | Net Income (TTM) | 106,78M |
| ROE | 9,21% | ROA | 1,11% |
| Gross Margin | 67,46% | Operating Margin | 21,80% |
| Net Margin | 17,27% | Free Cash Flow (TTM) | 128,70M |
| ROIC | 5,21% | FCF Growth (3Y) | -0,57% |
| Safety | |||
| Debt / Equity | 0,61 | Current Ratio | 0,84 |
| Interest Coverage | 0,85 | ||
| Dividends | |||
| Dividend Yield | 0,06% | Payout Ratio | 0,54% |
| Dividend Growth (3Y) | 2,81% | Dividend Growth (5Y) | 3,54% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 10,80 | Forward P/E | 9,47 |
| P/B Ratio | 0,96 | P/S Ratio | 1,87 |
| PEG Ratio | -1,06 | Forward PEG | N/A |
| EV/EBITDA | 12,60 | Fwd EV/EBITDA | 11,72 |
| Forward P/S | 2,41 | Fwd Earnings Yield | 10,56% |
| FCF Yield | 11,16% | ||
| Market Cap | 1,15B | Enterprise Value | 1,70B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 618,38M | 615,90M | 522,50M | 339,78M | 244,30M |
| Net Income | 106,78M | 117,21M | 113,36M | 101,29M | 47,56M |
| EPS (Diluted) | 2,99 | 3,31 | 3,44 | 3,60 | 2,15 |
| Gross Profit | 417,15M | 419,04M | 407,30M | 327,17M | 231,33M |
| Operating Income | 134,81M | 149,63M | 145,13M | 128,64M | 56,97M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 9,65B | 9,25B | 9,16B | 7,21B | 7,06B |
| Total Liabilities | 8,44B | 8,14B | 8,10B | 6,42B | 6,22B |
| Shareholders' Equity | 1,21B | 1,11B | 1,05B | 785,33M | 845,03M |
| Total Debt | 734,42M | 431,55M | 733,74M | 601,23M | 265,96M |
| Cash & Equivalents | 188,95M | 217,66M | 426,72M | 154,02M | 415,73M |
| Current Assets | 6,87B | 1,69B | 1,88B | 1,62B | 1,81B |
| Current Liabilities | 8,14B | 7,78B | 7,62B | 6,32B | 6,12B |