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Fourchette du Jour
46,83 €
47,93 €
Fourchette 52 Semaines
35,20 €
53,18 €
Volume
130 904
Moyenne 50J / 200J
49,20 €
/
45,46 €
Clôture Précédente
47,21 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (855 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 12,7 | 10,3 |
| P/B | 1,2 | 1,1 |
| ROE % | 9,5 | 11,6 |
| Net Margin % | 22,8 | 16,8 |
| Rev Growth 5Y % | 12,3 | 11,6 |
| D/E | 0,1 | 0,5 |
Objectif de Cours des Analystes
Hold
53,50 €
+12.8%
Low: 46,00 €
High: 59,00 €
P/E Prévisionnel
11,75
BPA Prévisionnel
4,04 €
Croissance BPA (est.)
+0,0%
CA Est.
447,67M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
4,21 €
4,15 € – 4,26 €
|
467,30M | 5 |
| FY2026 |
4,04 €
3,87 € – 4,15 €
|
447,67M | 5 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-03-02 | N/A | 1,03 € | — |
| 2025-10-23 | 0,92 € | 1,04 € | +13,0% |
| 2025-07-24 | 0,82 € | 0,84 € | +2,4% |
| 2025-04-24 | 0,78 € | 0,80 € | +2,6% |
| 2025-03-03 | N/A | 0,88 € | — |
| 2024-10-24 | 0,81 € | 0,88 € | +8,6% |
| 2024-07-25 | 0,79 € | 0,87 € | +10,1% |
| 2024-04-25 | 0,79 € | 0,83 € | +5,1% |
Dividend History
7 yr streakYield
0,03%
Payout Ratio
0,37%
Growth (3Y)
7,85%
Growth (5Y)
9,42%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 06, 2026 | Mar 20, 2026 | 0,36 € | 2,98% |
| Dec 05, 2025 | Dec 19, 2025 | 0,36 € | 2,89% |
| Sep 05, 2025 | Sep 19, 2025 | 0,36 € | 2,99% |
| Jun 06, 2025 | Jun 20, 2025 | 0,33 € | 3,28% |
| Mar 07, 2025 | Mar 21, 2025 | 0,33 € | 3,16% |
| Dec 06, 2024 | Dec 20, 2024 | 0,33 € | 2,73% |
| Sep 06, 2024 | Sep 20, 2024 | 0,33 € | 3,03% |
| Jun 07, 2024 | Jun 21, 2024 | 0,33 € | 3,44% |
| Mar 07, 2024 | Mar 22, 2024 | 0,33 € | 3,49% |
| Dec 07, 2023 | Dec 22, 2023 | 0,30 € | 3,07% |
| Sep 07, 2023 | Sep 22, 2023 | 0,30 € | 3,73% |
| Jun 08, 2023 | Jun 23, 2023 | 0,30 € | 3,12% |
| Mar 16, 2023 | Mar 24, 2023 | 0,30 € | 2,51% |
| Dec 08, 2022 | Dec 23, 2022 | 0,30 € | 2,15% |
| Sep 08, 2022 | Sep 23, 2022 | 0,30 € | 2,25% |
| Jun 09, 2022 | Jun 24, 2022 | 0,25 € | 2,25% |
| Mar 10, 2022 | Mar 25, 2022 | 0,25 € | 2,42% |
| Dec 16, 2021 | Dec 31, 2021 | 0,25 € | 2,36% |
| Sep 09, 2021 | Sep 24, 2021 | 0,25 € | 2,42% |
| Jun 10, 2021 | Jun 25, 2021 | 0,25 € | 2,05% |
Points Clés
Revenue grew 12,33% annually over 5 years — strong growth
Net margin of 22,79% shows strong profitability
Debt/Equity of 0,06 — conservative balance sheet
Generating 127,93M in free cash flow
P/E of 12,68 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 10,55%
Croissance
Revenue Growth (5Y)
12,33%
Revenue (1Y)1,78%
Earnings (1Y)5,82%
FCF Growth (3Y)-2,29%
Qualité
Return on Equity
9,54%
ROIC9,01%
Net Margin22,79%
Op. Margin31,73%
Sécurité
Debt / Equity
0,06
Current Ratio0,02
Interest Coverage1,41
Valorisation
P/E Ratio
12,68
Forward P/E11,75
P/B Ratio1,16
EV/EBITDA8,65
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 1,78% | Revenue Growth (3Y) | 4,03% |
| Earnings Growth (1Y) | 5,82% | Earnings Growth (3Y) | 1,76% |
| Revenue Growth (5Y) | 12,33% | Earnings Growth (5Y) | 0,82% |
| Profitability | |||
| Revenue (TTM) | 533,31M | Net Income (TTM) | 121,56M |
| ROE | 9,54% | ROA | 1,24% |
| Gross Margin | 75,85% | Operating Margin | 31,73% |
| Net Margin | 22,79% | Free Cash Flow (TTM) | 127,93M |
| ROIC | 9,01% | FCF Growth (3Y) | -2,29% |
| Safety | |||
| Debt / Equity | 0,06 | Current Ratio | 0,02 |
| Interest Coverage | 1,41 | ||
| Dividends | |||
| Dividend Yield | 0,03% | Payout Ratio | 0,37% |
| Dividend Growth (3Y) | 7,85% | Dividend Growth (5Y) | 9,42% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 12,68 | Forward P/E | 11,75 |
| P/B Ratio | 1,16 | P/S Ratio | 2,89 |
| PEG Ratio | 1,76 | Forward PEG | N/A |
| EV/EBITDA | 8,65 | Fwd EV/EBITDA | 8,01 |
| Forward P/S | 3,44 | Fwd Earnings Yield | 8,51% |
| FCF Yield | 8,30% | ||
| Market Cap | 1,54B | Enterprise Value | 1,46B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 533,31M | 523,97M | 492,81M | 412,05M | 334,90M |
| Net Income | 121,56M | 114,87M | 117,39M | 125,42M | 117,66M |
| EPS (Diluted) | 3,71 | 3,47 | 3,52 | 3,83 | 3,94 |
| Gross Profit | 404,52M | 382,13M | 387,14M | 384,05M | 336,17M |
| Operating Income | 169,24M | 155,12M | 160,93M | 173,91M | 163,70M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 9,82B | 9,67B | 9,91B | 9,93B | 8,61B |
| Total Liabilities | 8,49B | 8,45B | 8,75B | 8,88B | 7,61B |
| Shareholders' Equity | 1,33B | 1,22B | 1,16B | 1,05B | 1,00B |
| Total Debt | 80,23M | 216,24M | 794,52M | 442,55M | 184,53M |
| Cash & Equivalents | 157,01M | 144,96M | 98,70M | 107,23M | 768,42M |
| Current Assets | 190,67M | 194,41M | 2,30B | 2,60B | 3,00B |
| Current Liabilities | 8,27B | 8,10B | 7,88B | 8,38B | 7,42B |