Terug
Dagbereik
€ 24,62
€ 24,81
52-Weeksbereik
€ 22,72
€ 24,81
Volume
1.110.455
50D / 200D Gem.
€ 24,39
/
€ 23,95
Vorige Slotkoers
€ 24,64
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 24,9 | 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 |
Koersdoel Analisten
Hold
€ 18,33
-25.8%
Low: € 17,00
High: € 20,00
Forward K/W
21,2
Forward WPA
€ 1,16
WPA Groei (sch.)
+0,0%
Omzet Sch.
850 M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 1,12
€ 0,91 – € 1,37
|
840 M | 2 |
| FY2026 |
€ 1,16
€ 1,09 – € 1,30
|
850 M | 3 |
Belangrijkste Punten
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
Groei
Revenue Growth (5Y)
0,52%
Revenue (1Y)-2,67%
Earnings (1Y)-3,47%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
3,99%
ROIC3,01%
Net Margin4,64%
Op. Margin6,56%
Veiligheid
Debt / Equity
0,33
Current Ratio0,15
Interest Coverage3,46
Waardering
P/E Ratio
24,94
P/B Ratio0,94
EV/EBITDA23,31
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 | Dividend Yield | 0,00% |
| Valuation | |||
| P/E Ratio | 24,94 | P/B Ratio | 0,94 |
| P/S Ratio | 1,16 | PEG Ratio | -6,27 |
| EV/EBITDA | 23,31 | Dividend Yield | 0,00% |
| 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 |