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Fourchette du Jour
24,67 €
24,78 €
Fourchette 52 Semaines
22,72 €
24,78 €
Volume
731 698
Moyenne 50J / 200J
24,39 €
/
23,95 €
Clôture Précédente
24,70 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 25,0 | 10,3 |
| P/B | 0,9 | 1,1 |
| ROE % | 4,0 | 11,6 |
| Net Margin % | 4,6 | 16,8 |
| Rev Growth 5Y % | 0,5 | 11,6 |
| D/E | 0,3 | 0,5 |
Objectif de Cours des Analystes
Hold
18,33 €
-25.9%
Low: 17,00 €
High: 20,00 €
P/E Prévisionnel
21,27
BPA Prévisionnel
1,16 €
Croissance BPA (est.)
+0,0%
CA Est.
846,79M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
1,12 €
0,91 € – 1,37 €
|
841,54M | 2 |
| FY2026 |
1,16 €
1,09 € – 1,30 €
|
846,79M | 3 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-23 | 0,41 € | 0,82 € | +98,9% |
| 2025-11-04 | 0,28 € | 0,15 € | -46,4% |
| 2025-08-05 | 0,19 € | 0,52 € | +173,7% |
| 2025-05-06 | 0,19 € | 0,13 € | -31,6% |
| 2025-02-24 | 0,17 € | 0,36 € | +111,8% |
| 2024-11-04 | 0,14 € | 0,34 € | +142,9% |
| 2024-08-08 | 0,10 € | 0,23 € | +130,0% |
| 2024-05-06 | 0,06 € | 0,08 € | +33,3% |
Dividend History
5 yr streakYield
0,00%
Payout Ratio
0,00%
Growth (3Y)
-52,28%
Growth (5Y)
N/A
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 28, 2023 | Apr 13, 2023 | 0,05 € | 1,13% |
| Dec 21, 2022 | Jan 10, 2023 | 0,05 € | 1,11% |
| Sep 28, 2022 | Oct 13, 2022 | 0,05 € | 1,04% |
| Jun 14, 2022 | Jun 29, 2022 | 0,05 € | 0,92% |
| Mar 23, 2022 | Apr 07, 2022 | 0,05 € | 0,79% |
| Dec 21, 2021 | Jan 07, 2022 | 0,05 € | 0,85% |
| Sep 23, 2021 | Oct 08, 2021 | 0,05 € | 0,86% |
| Jun 28, 2021 | Jul 14, 2021 | 0,05 € | 0,88% |
| Mar 25, 2021 | Apr 13, 2021 | 0,05 € | 0,74% |
| Dec 21, 2020 | Jan 07, 2021 | 0,05 € | 2,53% |
| Sep 23, 2020 | Oct 09, 2020 | 0,05 € | 5,05% |
| Jun 10, 2020 | Jul 08, 2020 | 0,05 € | 6,35% |
| Mar 26, 2020 | Apr 15, 2020 | 0,31 € | 4,95% |
| Dec 26, 2019 | Jan 14, 2020 | 0,31 € | 3,44% |
| Sep 26, 2019 | Oct 11, 2019 | 0,31 € | 4,33% |
| Jun 13, 2019 | Jul 11, 2019 | 0,31 € | 4,58% |
| Mar 28, 2019 | Apr 22, 2019 | 0,31 € | 4,97% |
| Dec 20, 2018 | Jan 09, 2019 | 0,81 € | 4,59% |
| Sep 27, 2018 | Oct 10, 2018 | 0,31 € | 12,73% |
| Jun 21, 2018 | Jul 10, 2018 | 0,31 € | 16,56% |
Points Clés
Revenue grew 0,52% annually over 5 years — modest growth
ROE of 3,99% is below average
Debt/Equity of 0,33 — conservative balance sheet
Negative free cash flow of -29,22M
Revenue growth is decelerating — 1Y growth trails 5Y average by 3,19%
Capital efficient — spends only 0,33% of revenue on capex
Croissance
Revenue Growth (5Y)
0,52%
Revenue (1Y)-2,67%
Earnings (1Y)-3,47%
FCF Growth (3Y)N/A
Qualité
Return on Equity
3,99%
ROIC3,01%
Net Margin4,64%
Op. Margin6,56%
Sécurité
Debt / Equity
0,33
Current Ratio0,15
Interest Coverage3,46
Valorisation
P/E Ratio
24,99
Forward P/E21,27
P/B Ratio0,94
EV/EBITDA23,35
Dividend Yield0,00%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -2,67% | Revenue Growth (3Y) | -1,44% |
| Earnings Growth (1Y) | -3,47% | Earnings Growth (3Y) | N/A |
| Revenue Growth (5Y) | 0,52% | Earnings Growth (5Y) | -22,90% |
| Profitability | |||
| Revenue (TTM) | 1,10B | Net Income (TTM) | 50,92M |
| ROE | 3,99% | ROA | 0,93% |
| Gross Margin | 39,40% | Operating Margin | 6,56% |
| Net Margin | 4,64% | Free Cash Flow (TTM) | -29,22M |
| ROIC | 3,01% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0,33 | Current Ratio | 0,15 |
| Interest Coverage | 3,46 | ||
| Dividends | |||
| Dividend Yield | 0,00% | Payout Ratio | 0,00% |
| Dividend Growth (3Y) | -52,28% | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | 5 yrs | ||
| Valuation | |||
| P/E Ratio | 24,99 | Forward P/E | 21,27 |
| P/B Ratio | 0,94 | P/S Ratio | 1,16 |
| PEG Ratio | -6,27 | Forward PEG | N/A |
| EV/EBITDA | 23,35 | Fwd EV/EBITDA | 22,89 |
| Forward P/S | 1,50 | Fwd Earnings Yield | 4,70% |
| FCF Yield | -2,30% | ||
| Market Cap | 1,27B | Enterprise Value | 1,68B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,10B | 1,13B | 1,13B | 1,10B | 1,08B |
| Net Income | 50,92M | 52,74M | -38,60M | -402 000,0 | 144,12M |
| EPS (Diluted) | 0,99 | 1,03 | -0,73 | -0,01 | 2,67 |
| Gross Profit | 432,61M | 253,34M | 195,11M | 191,86M | 212,58M |
| Operating Income | 72,07M | 63,08M | -39,15M | -6,22M | 146,61M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 5,45B | 5,57B | 5,63B | 5,70B | 6,19B |
| Total Liabilities | 4,10B | 4,37B | 4,52B | 4,60B | 4,76B |
| Shareholders' Equity | 1,35B | 1,20B | 1,11B | 1,10B | 1,43B |
| Total Debt | 446,46M | 442,26M | 444,31M | 446,99M | 445,83M |
| Cash & Equivalents | 36,49M | 54,88M | 65,90M | 29,96M | 143,60M |
| Current Assets | 549,88M | 0,0 | 541,25M | 0,0 | 4,93B |
| Current Liabilities | 3,56B | 3,83B | 2,96B | 0,0 | 22,63M |