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Fourchette du Jour
19,67 €
20,01 €
Fourchette 52 Semaines
19,62 €
20,89 €
Volume
8 035
Moyenne 50J / 200J
20,42 €
/
20,42 €
Clôture Précédente
19,83 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (855 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 3,0 | 10,3 |
| P/B | 0,4 | 1,1 |
| ROE % | 12,0 | 11,7 |
| Net Margin % | 10,8 | 16,8 |
| Rev Growth 5Y % | 7,3 | 11,7 |
| D/E | 0,4 | 0,5 |
Objectif de Cours des Analystes
Aucune couverture d'analyste disponible
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2029 |
7,46 €
7,46 € – 7,46 €
|
7,63B | 1 |
| FY2028 |
8,03 €
8,03 € – 8,03 €
|
7,44B | 1 |
| FY2027 |
7,37 €
7,37 € – 7,37 €
|
6,79B | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-28 | 1,67 € | 2,40 € | +43,7% |
| 2025-10-22 | 1,85 € | 1,92 € | +3,8% |
| 2025-07-30 | 1,61 € | 1,42 € | -11,8% |
| 2025-04-23 | 1,64 € | 0,48 € | -70,8% |
| 2023-12-31 | N/A | 1,46 € | — |
| 2023-09-30 | N/A | 0,60 € | — |
| 2023-06-30 | N/A | 1,18 € | — |
| 2023-03-31 | N/A | 1 365,27 € | — |
Dividend History
7 yr streakYield
0,06%
Payout Ratio
0,20%
Growth (3Y)
-6,39%
Growth (5Y)
0,00%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Dec 31, 2025 | Jan 15, 2026 | 0,33 € | 6,35% |
| Oct 01, 2025 | Oct 15, 2025 | 0,33 € | 6,07% |
| Jul 01, 2025 | Jul 15, 2025 | 0,33 € | 6,14% |
| Apr 01, 2025 | Apr 15, 2025 | 0,33 € | 6,43% |
| Dec 31, 2024 | Jan 15, 2025 | 0,33 € | 6,36% |
| Oct 01, 2024 | Oct 15, 2024 | 0,33 € | 5,54% |
| Jul 01, 2024 | Jul 15, 2024 | 0,33 € | 5,95% |
| Mar 28, 2024 | Apr 15, 2024 | 0,33 € | 5,48% |
| Dec 28, 2023 | Jan 16, 2024 | 0,33 € | 6,35% |
| Sep 28, 2023 | Oct 16, 2023 | 0,33 € | 6,15% |
| Jun 29, 2023 | Jul 15, 2023 | 0,33 € | 5,96% |
| Mar 30, 2023 | Apr 15, 2023 | 0,33 € | 6,41% |
| Dec 29, 2022 | Jan 15, 2023 | 0,33 € | 6,47% |
| Sep 29, 2022 | Oct 15, 2022 | 0,33 € | 5,37% |
| Jun 30, 2022 | Jul 15, 2022 | 0,33 € | 5,68% |
| Mar 31, 2022 | Apr 15, 2022 | 0,33 € | 5,07% |
| Mar 15, 2022 | — | 0,29 € | 5,37% |
| Dec 30, 2021 | Jan 15, 2022 | 0,33 € | 5,02% |
| Sep 30, 2021 | Oct 15, 2021 | 0,33 € | 4,78% |
| Jun 30, 2021 | Jul 15, 2021 | 0,33 € | 4,91% |
Points Clés
Revenue grew 7,30% annually over 5 years — modest growth
ROE of 11,95% — decent returns on equity
Debt/Equity of 0,38 — conservative balance sheet
Generating 1,20B in free cash flow
P/E of 2,95 — trading at a low valuation
Cash machine — converts 175,73% of earnings into free cash flow
Croissance
Revenue Growth (5Y)
7,30%
Revenue (1Y)6,72%
Earnings (1Y)-6,51%
FCF Growth (3Y)63,89%
Qualité
Return on Equity
11,95%
ROIC10,09%
Net Margin10,77%
Op. Margin16,83%
Sécurité
Debt / Equity
0,38
Current RatioN/A
Interest Coverage1,31
Valorisation
P/E Ratio
2,95
Forward P/E3,05
P/B Ratio0,35
EV/EBITDA1,79
Dividend Yield0,06%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 6,72% | Revenue Growth (3Y) | 10,92% |
| Earnings Growth (1Y) | -6,51% | Earnings Growth (3Y) | 14,39% |
| Revenue Growth (5Y) | 7,30% | Earnings Growth (5Y) | -4,58% |
| Profitability | |||
| Revenue (TTM) | 6,35B | Net Income (TTM) | 683,78M |
| ROE | 11,95% | ROA | 1,64% |
| Gross Margin | 84,33% | Operating Margin | 16,83% |
| Net Margin | 10,77% | Free Cash Flow (TTM) | 1,20B |
| ROIC | 10,09% | FCF Growth (3Y) | 63,89% |
| Safety | |||
| Debt / Equity | 0,38 | Current Ratio | N/A |
| Interest Coverage | 1,31 | ||
| Dividends | |||
| Dividend Yield | 0,06% | Payout Ratio | 0,20% |
| Dividend Growth (3Y) | -6,39% | Dividend Growth (5Y) | 0,00% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 2,95 | Forward P/E | 3,05 |
| P/B Ratio | 0,35 | P/S Ratio | 0,32 |
| PEG Ratio | -0,49 | Forward PEG | N/A |
| EV/EBITDA | 1,79 | Fwd EV/EBITDA | 1,47 |
| Forward P/S | 0,32 | Fwd Earnings Yield | 32,79% |
| FCF Yield | 59,57% | ||
| Market Cap | 2,02B | Enterprise Value | 1,91B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 6,35B | 5,95B | 5,16B | 4,58B | 4,79B |
| Net Income | 683,78M | 731,38M | 522,54M | 662,16M | 824,86M |
| EPS (Diluted) | 5,87 | 6,25 | 4,28 | 5,32 | 6,66 |
| Gross Profit | 5,35B | 4,91B | 4,29B | 4,31B | 4,66B |
| Operating Income | 1,07B | 1,09B | 855,38M | 1,01B | 1,17B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 41,59B | 40,20B | 38,01B | 37,20B | 34,31B |
| Total Liabilities | -5,76B | 34,51B | 32,72B | 31,87B | 29,27B |
| Shareholders' Equity | 5,76B | 5,69B | 5,29B | 5,33B | 5,03B |
| Total Debt | 2,18B | 2,12B | 2,42B | 1,17B | 2,36B |
| Cash & Equivalents | 2,28B | 2,68B | 3,52B | 2,20B | 2,15B |
| Current Assets | 3,99B | 0,0 | 0,0 | 2,20B | 1,96B |
| Current Liabilities | 0,0 | 0,0 | 0,0 | 0,0 | 932,80M |
Scores de Stratégies
This stock passed the criteria for 3 strategies
Score = fit strength (0–100)
Rank = position among all matches
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