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Fourchette du Jour
14,39 €
14,58 €
Fourchette 52 Semaines
12,50 €
17,20 €
Volume
913 773
Moyenne 50J / 200J
15,59 €
/
15,22 €
Clôture Précédente
14,62 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 7,4 | 10,3 |
| P/B | 0,9 | 1,1 |
| ROE % | 14,2 | 11,6 |
| Net Margin % | 58,4 | 16,8 |
| Rev Growth 5Y % | 7,3 | 11,6 |
| D/E | 1,2 | 0,5 |
Objectif de Cours des Analystes
Hold
17,13 €
+18.4%
Low: 17,00 €
High: 17,50 €
P/E Prévisionnel
7,1
BPA Prévisionnel
2,07 €
Croissance BPA (est.)
+0,0%
CA Est.
360 M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
1,87 €
1,70 € – 2,04 €
|
320 M | 1 |
| FY2027 |
2,09 €
2,06 € – 2,12 €
|
410 M | 5 |
| FY2026 |
2,07 €
2,04 € – 2,09 €
|
360 M | 7 |
Points Clés
Revenue grew 7,26% annually over 5 years — modest growth
Earnings grew 17,31% over the past year
ROE of 14,15% — decent returns on equity
Net margin of 58,39% shows strong profitability
Negative free cash flow of -535,50M
P/E of 7,39 — trading at a low valuation
Croissance
Revenue Growth (5Y)
7,26%
Revenue (1Y)-2,18%
Earnings (1Y)17,31%
FCF Growth (3Y)N/A
Qualité
Return on Equity
14,15%
ROIC6,74%
Net Margin58,39%
Op. Margin93,07%
Sécurité
Debt / Equity
1,20
Current Ratio22,79
Interest Coverage2,68
Valorisation
P/E Ratio
7,39
P/B Ratio0,92
EV/EBITDA10,62
Dividend Yield0,14%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -2,18% | Revenue Growth (3Y) | 15,26% |
| Earnings Growth (1Y) | 17,31% | Earnings Growth (3Y) | 32,80% |
| Revenue Growth (5Y) | 7,26% | Earnings Growth (5Y) | 0,61% |
| Profitability | |||
| Revenue (TTM) | 232,25M | Net Income (TTM) | 135,60M |
| ROE | 14,15% | ROA | 5,46% |
| Gross Margin | 100,00% | Operating Margin | 93,07% |
| Net Margin | 58,39% | Free Cash Flow (TTM) | -535,50M |
| ROIC | 6,74% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1,20 | Current Ratio | 22,79 |
| Interest Coverage | 2,68 | Dividend Yield | 0,14% |
| Valuation | |||
| P/E Ratio | 7,39 | P/B Ratio | 0,92 |
| P/S Ratio | 4,32 | PEG Ratio | -0,71 |
| EV/EBITDA | 10,62 | Dividend Yield | 0,14% |
| Market Cap | 1,00B | Enterprise Value | 2,30B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 232,25M | 237,44M | 174,84M | 43,54M | 175,48M |
| Net Income | 135,60M | 115,60M | 76,89M | -30,38M | 132,32M |
| EPS (Diluted) | 1,96 | 2,10 | 1,89 | -0,96 | 4,86 |
| Gross Profit | 232,25M | 175,49M | 141,75M | 9,39M | 155,09M |
| Operating Income | 216,17M | 118,27M | 129,74M | -27,99M | 132,58M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 2,48B | 1,77B | 1,31B | 1,13B | 937,12M |
| Total Liabilities | 1,39B | 951,26M | 699,82M | 666,79M | 490,59M |
| Shareholders' Equity | 1,09B | 822,98M | 611,16M | 459,65M | 446,53M |
| Total Debt | 1,31B | 877,67M | 646,89M | 610,59M | 455,35M |
| Cash & Equivalents | 19,11M | 9,63M | 4,76M | 10,61M | 31,69M |
| Current Assets | 39,24M | 26,17M | 15,97M | 20,58M | 37,93M |
| Current Liabilities | 1,72M | 31,45M | 43,41M | 21,33M | 9,80M |