Terug
Dagbereik
€ 13,50
€ 13,79
52-Weeksbereik
€ 11,29
€ 15,42
Volume
658.546
50D / 200D Gem.
€ 14,24
/
€ 13,61
Vorige Slotkoers
€ 13,39
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 41,9 | 10,3 |
| P/B | 2,0 | 1,1 |
| ROE % | 4,8 | 11,7 |
| Net Margin % | 11,5 | 16,8 |
| Rev Growth 5Y % | 15,5 | 11,7 |
| D/E | 2,6 | 0,5 |
Koersdoel Analisten
Hold
€ 15,00
+10.5%
Forward K/W
41,1
Forward WPA
€ 0,33
WPA Groei (sch.)
+0,0%
Omzet Sch.
340 M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 0,36
€ 0,35 – € 0,36
|
360 M | 1 |
| FY2026 |
€ 0,33
€ 0,33 – € 0,33
|
340 M | 1 |
Belangrijkste Punten
Revenue grew 15,52% annually over 5 years — strong growth
ROE of 4,84% is below average
Debt/Equity of 2,59 — high leverage
Generating 70,97M in free cash flow
P/E of 41,86 — premium valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 11,15%
Groei
Revenue Growth (5Y)
15,52%
Revenue (1Y)4,37%
Earnings (1Y)14,29%
FCF Growth (3Y)-8,96%
Kwaliteit
Return on Equity
4,84%
ROIC1,27%
Net Margin11,49%
Op. Margin14,48%
Veiligheid
Debt / Equity
2,59
Current Ratio0,05
Interest Coverage0,24
Waardering
P/E Ratio
41,86
P/B Ratio2,01
EV/EBITDA72,17
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 4,37% | Revenue Growth (3Y) | 11,82% |
| Earnings Growth (1Y) | 14,29% | Earnings Growth (3Y) | 9,94% |
| Revenue Growth (5Y) | 15,52% | Earnings Growth (5Y) | 2,94% |
| Profitability | |||
| Revenue (TTM) | 791,96M | Net Income (TTM) | 90,96M |
| ROE | 4,84% | ROA | 0,52% |
| Gross Margin | 40,28% | Operating Margin | 14,48% |
| Net Margin | 11,49% | Free Cash Flow (TTM) | 70,97M |
| ROIC | 1,27% | FCF Growth (3Y) | -8,96% |
| Safety | |||
| Debt / Equity | 2,59 | Current Ratio | 0,05 |
| Interest Coverage | 0,24 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 41,86 | P/B Ratio | 2,01 |
| P/S Ratio | 4,81 | PEG Ratio | 2,83 |
| EV/EBITDA | 72,17 | Dividend Yield | 0,02% |
| Market Cap | 3,81B | Enterprise Value | 8,28B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 791,96M | 758,78M | 633,35M | 433,14M | 444,65M |
| Net Income | 90,96M | 79,59M | 75,25M | 74,57M | 81,01M |
| EPS (Diluted) | 0,32 | 0,28 | 0,26 | 0,26 | 0,29 |
| Gross Profit | 318,97M | 304,66M | 306,50M | 290,20M | 295,93M |
| Operating Income | 114,72M | 100,31M | 93,37M | 92,05M | 100,09M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 17,46B | 17,09B | 16,92B | 15,79B | 14,06B |
| Total Liabilities | 15,56B | 15,23B | 14,99B | 13,95B | 12,33B |
| Shareholders' Equity | 1,89B | 1,86B | 1,93B | 1,84B | 1,73B |
| Total Debt | 4,90B | 4,82B | 5,30B | 4,82B | 3,13B |
| Cash & Equivalents | 429,44M | 463,72M | 466,75M | 369,56M | 488,33M |
| Current Assets | 546,04M | 1,05B | 1,03B | 867,73M | 941,22M |
| Current Liabilities | 10,45B | 10,20B | 9,45B | 9,01B | 9,08B |