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Fourchette du Jour
68,74 €
70,23 €
Fourchette 52 Semaines
56,79 €
78,25 €
Volume
60 276
Moyenne 50J / 200J
70,91 €
/
71,19 €
Clôture Précédente
69,29 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 9,2 | 10,3 |
| P/B | 1,1 | 1,1 |
| ROE % | 12,5 | 11,6 |
| Net Margin % | 25,2 | 16,8 |
| Rev Growth 5Y % | 13,9 | 11,6 |
| D/E | 0,6 | 0,5 |
Objectif de Cours des Analystes
Hold
51,00 €
-26.1%
P/E Prévisionnel
11,4
BPA Prévisionnel
6,06 €
Croissance BPA (est.)
+0,0%
CA Est.
400 M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
6,23 €
6,21 € – 6,25 €
|
410 M | 1 |
| FY2026 |
6,06 €
6,03 € – 6,08 €
|
400 M | 1 |
Points Clés
Revenue grew 13,88% annually over 5 years — strong growth
Earnings grew 29,54% over the past year
ROE of 12,54% — decent returns on equity
Net margin of 25,19% shows strong profitability
Generating 161,11M in free cash flow
P/E of 9,17 — trading at a low valuation
Croissance
Revenue Growth (5Y)
13,88%
Revenue (1Y)4,31%
Earnings (1Y)29,54%
FCF Growth (3Y)25,90%
Qualité
Return on Equity
12,54%
ROIC7,19%
Net Margin25,19%
Op. Margin31,79%
Sécurité
Debt / Equity
0,57
Current Ratio0,68
Interest Coverage1,60
Valorisation
P/E Ratio
9,17
P/B Ratio1,09
EV/EBITDA9,73
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 4,31% | Revenue Growth (3Y) | 11,21% |
| Earnings Growth (1Y) | 29,54% | Earnings Growth (3Y) | 20,54% |
| Revenue Growth (5Y) | 13,88% | Earnings Growth (5Y) | 10,65% |
| Profitability | |||
| Revenue (TTM) | 521,34M | Net Income (TTM) | 131,32M |
| ROE | 12,54% | ROA | 1,86% |
| Gross Margin | 74,02% | Operating Margin | 31,79% |
| Net Margin | 25,19% | Free Cash Flow (TTM) | 161,11M |
| ROIC | 7,19% | FCF Growth (3Y) | 25,90% |
| Safety | |||
| Debt / Equity | 0,57 | Current Ratio | 0,68 |
| Interest Coverage | 1,60 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 9,17 | P/B Ratio | 1,09 |
| P/S Ratio | 2,31 | PEG Ratio | 0,38 |
| EV/EBITDA | 9,73 | Dividend Yield | 0,02% |
| Market Cap | 1,20B | Enterprise Value | 1,61B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 521,34M | 499,79M | 421,56M | 316,22M | 310,02M |
| Net Income | 131,32M | 101,37M | 90,37M | 91,11M | 87,61M |
| EPS (Diluted) | 6,63 | 5,18 | 4,55 | 4,57 | 4,26 |
| Gross Profit | 385,90M | 324,58M | 306,65M | 286,38M | 289,55M |
| Operating Income | 165,71M | 127,70M | 113,21M | 116,85M | 111,44M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 7,04B | 6,85B | 6,59B | 5,83B | 6,09B |
| Total Liabilities | 5,94B | 5,85B | 5,68B | 4,98B | 5,26B |
| Shareholders' Equity | 1,10B | 992,03M | 912,76M | 856,61M | 834,23M |
| Total Debt | 626,87M | 535,44M | 513,16M | 349,77M | 355,64M |
| Cash & Equivalents | 219,97M | 432,15M | 316,57M | 313,69M | 756,97M |
| Current Assets | 242,26M | 867,26M | 995,41M | 944,45M | 1,26B |
| Current Liabilities | 355,52M | 5,31B | 5,15B | 4,75B | 5,13B |