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Fourchette du Jour
33,06 €
33,64 €
Fourchette 52 Semaines
29,43 €
37,86 €
Volume
679 607
Moyenne 50J / 200J
34,99 €
/
34,71 €
Clôture Précédente
32,50 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 15,0 | 10,3 |
| P/B | 1,1 | 1,1 |
| ROE % | 7,4 | 11,7 |
| Net Margin % | 16,8 | 16,8 |
| Rev Growth 5Y % | 8,8 | 11,7 |
| D/E | 0,2 | 0,5 |
Objectif de Cours des Analystes
Aucune couverture d'analyste disponible
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
3,89 €
3,85 € – 3,92 €
|
1,1 B | 3 |
| FY2026 |
3,51 €
3,47 € – 3,53 €
|
1,1 B | 3 |
Points Clés
Revenue grew 8,77% annually over 5 years — modest growth
Net margin of 16,82% shows strong profitability
Debt/Equity of 0,15 — conservative balance sheet
Generating 211,67M in free cash flow
P/E of 14,96 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 10,38%
Croissance
Revenue Growth (5Y)
8,77%
Revenue (1Y)-1,61%
Earnings (1Y)4,80%
FCF Growth (3Y)34,41%
Qualité
Return on Equity
7,43%
ROIC5,64%
Net Margin16,82%
Op. Margin20,86%
Sécurité
Debt / Equity
0,15
Current Ratio0,10
Interest Coverage0,74
Valorisation
P/E Ratio
14,96
P/B Ratio1,05
EV/EBITDA12,62
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -1,61% | Revenue Growth (3Y) | 3,41% |
| Earnings Growth (1Y) | 4,80% | Earnings Growth (3Y) | 5,02% |
| Revenue Growth (5Y) | 8,77% | Earnings Growth (5Y) | -5,81% |
| Profitability | |||
| Revenue (TTM) | 1,01B | Net Income (TTM) | 169,53M |
| ROE | 7,43% | ROA | 0,86% |
| Gross Margin | 69,58% | Operating Margin | 20,86% |
| Net Margin | 16,82% | Free Cash Flow (TTM) | 211,67M |
| ROIC | 5,64% | FCF Growth (3Y) | 34,41% |
| Safety | |||
| Debt / Equity | 0,15 | Current Ratio | 0,10 |
| Interest Coverage | 0,74 | Dividend Yield | 0,03% |
| Valuation | |||
| P/E Ratio | 14,96 | P/B Ratio | 1,05 |
| P/S Ratio | 2,52 | PEG Ratio | 5,44 |
| EV/EBITDA | 12,62 | Dividend Yield | 0,03% |
| Market Cap | 2,54B | Enterprise Value | 2,65B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,01B | 1,02B | 942,55M | 742,95M | 720,08M |
| Net Income | 169,53M | 161,76M | 153,72M | 188,99M | 215,38M |
| EPS (Diluted) | 2,21 | 2,15 | 2,06 | 2,60 | 2,97 |
| Gross Profit | 701,33M | 692,51M | 676,41M | 677,77M | 695,77M |
| Operating Income | 210,22M | 190,38M | 186,22M | 237,05M | 279,83M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 19,69B | 17,25B | 16,84B | 15,85B | 16,36B |
| Total Liabilities | 17,26B | 15,09B | 14,78B | 13,96B | 14,45B |
| Shareholders' Equity | 2,42B | 2,14B | 2,04B | 1,87B | 1,90B |
| Total Debt | 371,14M | 296,90M | 492,58M | 318,01M | 481,82M |
| Cash & Equivalents | 253,49M | 1,34B | 1,13B | 1,15B | 3,30B |
| Current Assets | 1,35B | 1,40B | 3,26B | 2,99B | 5,10B |
| Current Liabilities | 13,50B | 14,47B | 13,93B | 13,34B | 13,65B |