Retour
Fourchette du Jour
9,33 €
9,33 €
Fourchette 52 Semaines
9,29 €
12,06 €
Volume
2 700
Moyenne 50J / 200J
12,05 €
/
11,64 €
Clôture Précédente
9,33 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 6,6 | 10,3 |
| P/B | 0,5 | 1,1 |
| ROE % | 7,8 | 11,6 |
| Net Margin % | 25,0 | 16,8 |
| Rev Growth 5Y % | -3,9 | 11,6 |
| D/E | 1,2 | 0,5 |
Objectif de Cours des Analystes
Aucune couverture d'analyste disponible
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
2,92 €
2,89 € – 2,94 €
|
590 M | 1 |
| FY2027 |
2,26 €
2,24 € – 2,28 €
|
520 M | 1 |
| FY2026 |
1,87 €
1,86 € – 1,89 €
|
470 M | 1 |
Points Clés
Revenue declined -3,88% annually over 5 years
Earnings declined -19,98% over the past year
Net margin of 25,03% shows strong profitability
Negative free cash flow of -141,08M
P/E of 6,58 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 47,94%
Croissance
Revenue Growth (5Y)
-3,88%
Revenue (1Y)-51,82%
Earnings (1Y)-19,98%
FCF Growth (3Y)N/A
Qualité
Return on Equity
7,84%
ROIC3,31%
Net Margin25,03%
Op. Margin31,67%
Sécurité
Debt / Equity
1,23
Current Ratio8,06
Interest Coverage0,44
Valorisation
P/E Ratio
6,58
P/B Ratio0,51
EV/EBITDA-2,80
Dividend Yield0,06%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -51,82% | Revenue Growth (3Y) | -8,62% |
| Earnings Growth (1Y) | -19,98% | Earnings Growth (3Y) | -14,20% |
| Revenue Growth (5Y) | -3,88% | Earnings Growth (5Y) | 1,18% |
| Profitability | |||
| Revenue (TTM) | 333,48M | Net Income (TTM) | 83,47M |
| ROE | 7,84% | ROA | 0,72% |
| Gross Margin | 96,64% | Operating Margin | 31,67% |
| Net Margin | 25,03% | Free Cash Flow (TTM) | -141,08M |
| ROIC | 3,31% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1,23 | Current Ratio | 8,06 |
| Interest Coverage | 0,44 | Dividend Yield | 0,06% |
| Valuation | |||
| P/E Ratio | 6,58 | P/B Ratio | 0,51 |
| P/S Ratio | 1,65 | PEG Ratio | -0,37 |
| EV/EBITDA | -2,80 | Dividend Yield | 0,06% |
| Market Cap | 549,52M | Enterprise Value | -295,74M |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 333,48M | 692,08M | 399,40M | 238,84M | 390,74M |
| Net Income | 83,47M | 104,31M | 113,37M | 16,50M | 79,64M |
| EPS (Diluted) | 1,42 | 1,77 | 1,92 | 0,28 | 1,35 |
| Gross Profit | 322,28M | 451,13M | 399,40M | 358,36M | 280,50M |
| Operating Income | 105,61M | 146,68M | 170,62M | 36,61M | 112,69M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 11,59B | 10,75B | 9,75B | 8,83B | 8,22B |
| Total Liabilities | 10,52B | 9,70B | 8,77B | 7,96B | 7,36B |
| Shareholders' Equity | 1,07B | 1,06B | 983,79M | 869,43M | 856,31M |
| Total Debt | 1,32B | 919,40M | 1,44B | 309,98M | 460,62M |
| Cash & Equivalents | 2,17B | 2,16B | 2,35B | 1,94B | 1,55B |
| Current Assets | 2,17B | 2,20B | 2,28B | 1,95B | 1,56B |
| Current Liabilities | 268,66M | 9,24B | 8,38B | 4,83B | 4,50B |