Terug
Dagbereik
€ 14,14
€ 14,35
52-Weeksbereik
€ 13,64
€ 17,26
Volume
248.384
50D / 200D Gem.
€ 14,87
/
€ 15,58
Vorige Slotkoers
€ 14,40
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 8,3 | 10,3 |
| P/B | 0,8 | 1,1 |
| ROE % | 9,3 | 11,6 |
| Net Margin % | 42,0 | 16,8 |
| Rev Growth 5Y % | 22,0 | 11,6 |
| D/E | 1,2 | 0,5 |
Koersdoel Analisten
Hold
€ 16,25
+14.8%
Low: € 16,00
High: € 16,50
Forward K/W
8,9
Forward WPA
€ 1,62
WPA Groei (sch.)
+0,0%
Omzet Sch.
220 M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2028 |
€ 1,42
€ 1,36 – € 1,45
|
210 M | 1 |
| FY2027 |
€ 1,56
€ 1,48 – € 1,63
|
220 M | 5 |
| FY2026 |
€ 1,62
€ 1,60 – € 1,64
|
220 M | 6 |
Insider Trading Activity
Buy ratio (90d)
66.7%
16 transactions
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| Mar 16, 2026 |
GROSS MICHAEL S
See Remarks
|
buy | 10.452 | € 13,90 | € 145.246 |
| Mar 13, 2026 |
Kajee Shiraz
See Remarks
|
other | 11.564 | — | — |
| Mar 13, 2026 |
Kajee Shiraz
See Remarks
|
sell | 5.782 | — | — |
| Mar 13, 2026 |
Kajee Shiraz
See Remarks
|
grant | 13.900 | — | — |
| Mar 13, 2026 |
SPOHLER BRUCE J
See Remarks
|
other | 709.022 | — | — |
| Mar 13, 2026 |
SPOHLER BRUCE J
See Remarks
|
grant | 820.889 | — | — |
| Mar 13, 2026 |
SPOHLER BRUCE J
See Remarks
|
sell | 10.987 | — | — |
| Mar 13, 2026 |
GROSS MICHAEL S
See Remarks
|
other | 709.022 | — | — |
| Mar 13, 2026 |
GROSS MICHAEL S
See Remarks
|
grant | 820.889 | — | — |
| Mar 13, 2026 |
GROSS MICHAEL S
See Remarks
|
buy | 25.000 | € 13,91 | € 347.858 |
| Mar 13, 2026 |
GROSS MICHAEL S
See Remarks
|
sell | 10.987 | — | — |
| Mar 4, 2026 |
GROSS MICHAEL S
See Remarks
|
buy | 15.019 | € 14,83 | € 222.732 |
| Mar 4, 2026 |
SPOHLER BRUCE J
See Remarks
|
buy | 15.019 | € 14,83 | € 222.732 |
| Mar 3, 2026 |
GROSS MICHAEL S
See Remarks
|
buy | 89.800 | € 14,73 | € 1.322.754 |
| Mar 3, 2026 |
SPOHLER BRUCE J
See Remarks
|
buy | 89.800 | € 14,73 | € 1.322.754 |
| Sep 9, 2025 |
Roberts Andrea Colvin
|
buy | 7.190 | € 16,73 | € 120.254 |
Belangrijkste Punten
Revenue grew 21,99% annually over 5 years — strong growth
Net margin of 42,04% shows strong profitability
Negative free cash flow of -72,02M
P/E of 8,34 — trading at a low valuation
Capital efficient — spends only 0,00% of revenue on capex
Groei
Revenue Growth (5Y)
21,99%
Revenue (1Y)24,76%
Earnings (1Y)-3,36%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
9,31%
ROIC5,62%
Net Margin42,04%
Op. Margin72,88%
Veiligheid
Debt / Equity
1,15
Current Ratio0,31
Interest Coverage2,36
Waardering
P/E Ratio
8,34
P/B Ratio0,78
EV/EBITDA11,86
Dividend Yield0,11%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 24,76% | Revenue Growth (3Y) | 17,65% |
| Earnings Growth (1Y) | -3,36% | Earnings Growth (3Y) | 10,06% |
| Revenue Growth (5Y) | 21,99% | Earnings Growth (5Y) | 11,64% |
| Profitability | |||
| Revenue (TTM) | 220,14M | Net Income (TTM) | 92,54M |
| ROE | 9,31% | ROA | 3,60% |
| Gross Margin | 73,34% | Operating Margin | 72,88% |
| Net Margin | 42,04% | Free Cash Flow (TTM) | -72,02M |
| ROIC | 5,62% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1,15 | Current Ratio | 0,31 |
| Interest Coverage | 2,36 | Dividend Yield | 0,11% |
| Valuation | |||
| P/E Ratio | 8,34 | P/B Ratio | 0,78 |
| P/S Ratio | 3,51 | PEG Ratio | -2,67 |
| EV/EBITDA | 11,86 | Dividend Yield | 0,11% |
| Market Cap | 771,95M | Enterprise Value | 1,90B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 220,14M | 176,45M | 159,05M | 74,40M | 99,41M |
| Net Income | 92,54M | 95,76M | 76,39M | 18,34M | 59,57M |
| EPS (Diluted) | 1,70 | 1,76 | 1,40 | 0,35 | 1,41 |
| Gross Profit | 161,44M | 104,99M | 86,54M | 28,32M | 69,53M |
| Operating Income | 160,44M | 95,76M | 76,39M | 18,34M | 59,57M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 2,57B | 2,45B | 2,52B | 2,54B | 2,01B |
| Total Liabilities | 1,58B | 1,46B | 1,54B | 1,54B | 1,17B |
| Shareholders' Equity | 995,99M | 992,93M | 986,64M | 999,73M | 842,28M |
| Total Debt | 1,15B | 1,03B | 1,18B | 1,09B | 812,04M |
| Cash & Equivalents | 15,72M | 414,27M | 344,15M | 428,33M | 322,94M |
| Current Assets | 27,58M | 443,78M | 369,10M | 451,02M | 340,43M |
| Current Liabilities | 88,10M | 405,35M | 339,83M | 433,04M | 341,86M |