Terug
Dagbereik
€ 35,85
€ 36,53
52-Weeksbereik
€ 24,13
€ 40,21
Volume
232.627
50D / 200D Gem.
€ 36,18
/
€ 31,69
Vorige Slotkoers
€ 35,57
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 17,8 | 10,3 |
| P/B | 1,1 | 1,1 |
| ROE % | 6,3 | 11,7 |
| Net Margin % | 17,3 | 16,8 |
| Rev Growth 5Y % | 22,9 | 11,7 |
| D/E | 0,0 | 0,5 |
Koersdoel Analisten
Hold
€ 32,00
-11.5%
Forward K/W
16,7
Forward WPA
€ 2,16
WPA Groei (sch.)
+0,0%
Omzet Sch.
450 M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 2,38
€ 2,29 – € 2,45
|
470 M | 3 |
| FY2026 |
€ 2,16
€ 2,09 – € 2,22
|
450 M | 2 |
Belangrijkste Punten
Revenue grew 22,85% annually over 5 years — strong growth
Earnings declined -10,55% over the past year
Net margin of 17,25% shows strong profitability
Debt/Equity of 0,02 — conservative balance sheet
Generating 92,61M in free cash flow
Revenue growth is decelerating — 1Y growth trails 5Y average by 27,52%
Groei
Revenue Growth (5Y)
22,85%
Revenue (1Y)-4,67%
Earnings (1Y)-10,55%
FCF Growth (3Y)-24,24%
Kwaliteit
Return on Equity
6,28%
ROIC5,61%
Net Margin17,25%
Op. Margin21,43%
Veiligheid
Debt / Equity
0,02
Current Ratio31,79
Interest Coverage0,74
Waardering
P/E Ratio
17,84
P/B Ratio1,10
EV/EBITDA11,39
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -4,67% | Revenue Growth (3Y) | -1,57% |
| Earnings Growth (1Y) | -10,55% | Earnings Growth (3Y) | -11,21% |
| Revenue Growth (5Y) | 22,85% | Earnings Growth (5Y) | 5,98% |
| Profitability | |||
| Revenue (TTM) | 596,26M | Net Income (TTM) | 102,87M |
| ROE | 6,28% | ROA | 0,95% |
| Gross Margin | 69,31% | Operating Margin | 21,43% |
| Net Margin | 17,25% | Free Cash Flow (TTM) | 92,61M |
| ROIC | 5,61% | FCF Growth (3Y) | -24,24% |
| Safety | |||
| Debt / Equity | 0,02 | Current Ratio | 31,79 |
| Interest Coverage | 0,74 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 17,84 | P/B Ratio | 1,10 |
| P/S Ratio | 3,08 | PEG Ratio | -2,09 |
| EV/EBITDA | 11,39 | Dividend Yield | 0,02% |
| Market Cap | 1,83B | Enterprise Value | 1,46B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 596,26M | 625,45M | 615,38M | 343,35M | 261,75M |
| Net Income | 102,87M | 115,00M | 130,50M | 51,43M | 81,55M |
| EPS (Diluted) | 1,99 | 2,15 | 2,45 | 1,47 | 2,82 |
| Gross Profit | 413,25M | 433,92M | 452,38M | 258,60M | 239,45M |
| Operating Income | 127,78M | 144,96M | 161,88M | 62,52M | 99,89M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 10,81B | 10,91B | 10,65B | 10,90B | 7,10B |
| Total Liabilities | 9,14B | 9,30B | 9,13B | 9,52B | 6,29B |
| Shareholders' Equity | 1,67B | 1,61B | 1,52B | 1,38B | 816,47M |
| Total Debt | 40,23M | 70,11M | 159,77M | 173,29M | 212,95M |
| Cash & Equivalents | 419,45M | 911,22M | 399,24M | 371,71M | 757,51M |
| Current Assets | 130,20M | 2,13B | 1,84B | 2,22B | 2,56B |
| Current Liabilities | 4,09M | 9,15B | 8,88B | 9,27B | 6,05B |