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Fourchette du Jour
83,31 €
85,00 €
Fourchette 52 Semaines
83,31 €
160,36 €
Volume
479 619
Moyenne 50J / 200J
108,46 €
/
113,90 €
Clôture Précédente
85,50 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 8,8 | 10,3 |
| P/B | 1,0 | 1,1 |
| ROE % | 12,3 | 11,6 |
| Net Margin % | 11,5 | 16,8 |
| Rev Growth 5Y % | 5,2 | 11,6 |
| D/E | 5,4 | 0,5 |
Objectif de Cours des Analystes
Hold
150,00 €
+77.9%
Low: 137,00 €
High: 160,00 €
P/E Prévisionnel
6,8
BPA Prévisionnel
12,51 €
Croissance BPA (est.)
+0,0%
CA Est.
2,6 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
17,08 €
16,11 € – 18,05 €
|
3,2 B | 2 |
| FY2027 |
15,51 €
14,88 € – 16,13 €
|
2,9 B | 3 |
| FY2026 |
12,51 €
11,75 € – 13,27 €
|
2,6 B | 3 |
Points Clés
Revenue grew 5,23% annually over 5 years — modest growth
Earnings grew 60,90% over the past year
ROE of 12,31% — decent returns on equity
Debt/Equity of 5,35 — high leverage
Negative free cash flow of -1,41B
P/E of 8,78 — trading at a low valuation
Croissance
Revenue Growth (5Y)
5,23%
Revenue (1Y)173,81%
Earnings (1Y)60,90%
FCF Growth (3Y)N/A
Qualité
Return on Equity
12,31%
ROIC4,14%
Net Margin11,48%
Op. Margin34,65%
Sécurité
Debt / Equity
5,35
Current Ratio0,04
Interest Coverage1,57
Valorisation
P/E Ratio
8,78
P/B Ratio1,02
EV/EBITDA17,96
Dividend Yield0,01%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 173,81% | Revenue Growth (3Y) | 46,29% |
| Earnings Growth (1Y) | 60,90% | Earnings Growth (3Y) | 86,12% |
| Revenue Growth (5Y) | 5,23% | Earnings Growth (5Y) | -15,94% |
| Profitability | |||
| Revenue (TTM) | 4,36B | Net Income (TTM) | 501,08M |
| ROE | 12,31% | ROA | 1,70% |
| Gross Margin | 91,42% | Operating Margin | 34,65% |
| Net Margin | 11,48% | Free Cash Flow (TTM) | -1,41B |
| ROIC | 4,14% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 5,35 | Current Ratio | 0,04 |
| Interest Coverage | 1,57 | Dividend Yield | 0,01% |
| Valuation | |||
| P/E Ratio | 8,78 | P/B Ratio | 1,02 |
| P/S Ratio | 1,01 | PEG Ratio | 0,23 |
| EV/EBITDA | 17,96 | Dividend Yield | 0,01% |
| Market Cap | 4,40B | Enterprise Value | 27,15B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 4,36B | 1,59B | 2,04B | 2,32B | 3,56B |
| Net Income | 501,08M | 311,42M | 144,66M | 475,51M | 1,00B |
| EPS (Diluted) | 9,30 | 5,84 | 2,74 | 8,50 | 14,87 |
| Gross Profit | 3,99B | 1,56B | 847,47M | 1,31B | 2,13B |
| Operating Income | 1,51B | 901,03M | 354,04M | 688,69M | 1,36B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 29,39B | 26,09B | 18,84B | 16,82B | 18,78B |
| Total Liabilities | 25,08B | 22,26B | 15,31B | 13,35B | 15,36B |
| Shareholders' Equity | 4,31B | 3,83B | 3,54B | 3,47B | 3,42B |
| Total Debt | 23,06B | 20,55B | 13,49B | 11,80B | 13,99B |
| Cash & Equivalents | 301,68M | 238,48M | 938,37M | 1,33B | 340,07M |
| Current Assets | 728,84M | 16,12B | 11,27B | 10,47B | 14,21B |
| Current Liabilities | 16,20B | 10,32B | 5,49B | 4,58B | 8,60B |