Terug
Dagbereik
€ 37,73
€ 38,34
52-Weeksbereik
€ 25,75
€ 49,36
Volume
2.965.475
50D / 200D Gem.
€ 43,17
/
€ 40,01
Vorige Slotkoers
€ 36,99
Quick Summary
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 19,5 | 10,3 |
| P/B | 1,3 | 1,1 |
| ROE % | 7,0 | 11,7 |
| Net Margin % | 10,4 | 16,9 |
| Rev Growth 5Y % | 14,0 | 11,6 |
| D/E | 4,0 | 0,5 |
Koersdoel Analisten
Hold
€ 23,57
-38.1%
Low: € 19,24
High: € 34,00
Forward K/W
11,84
Forward WPA
€ 3,22
WPA Groei (sch.)
+0,0%
Omzet Sch.
51,09B
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2029 |
€ 4,56
€ 4,45 – € 4,68
|
56,61B | 1 |
| FY2028 |
€ 4,50
€ 4,38 – € 4,61
|
54,96B | 1 |
| FY2027 |
€ 3,97
€ 3,88 – € 4,13
|
52,96B | 2 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-04 | € 0,54 | € 0,37 | -31,7% |
| 2025-10-29 | € 0,49 | € 0,76 | +55,9% |
| 2025-07-30 | € 0,70 | € 0,72 | +2,9% |
| 2025-04-30 | € 0,42 | € 0,51 | +21,4% |
| 2025-02-04 | € 0,31 | € 0,23 | -25,8% |
| 2024-10-30 | € 0,35 | € 0,43 | +22,9% |
| 2024-08-14 | € 0,30 | € 0,34 | +13,3% |
| 2024-05-07 | € 0,24 | € 0,52 | +116,7% |
Dividend History
7 yr streakYield
0,02%
Payout Ratio
0,39%
Growth (3Y)
-3,45%
Growth (5Y)
-9,18%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Apr 22, 2026 | Apr 23, 2026 | € 1,10 | 2,89% |
| Apr 16, 2025 | Apr 17, 2025 | € 0,45 | 3,21% |
| Apr 30, 2024 | May 03, 2024 | € 0,35 | 2,58% |
| Apr 12, 2023 | Apr 14, 2023 | € 0,55 | 2,60% |
| Apr 12, 2022 | Apr 14, 2022 | € 0,50 | 2,80% |
| Apr 13, 2021 | Apr 15, 2021 | € 0,37 | 4,70% |
| Nov 24, 2020 | Nov 27, 2020 | € 0,37 | 4,95% |
| May 05, 2020 | May 07, 2020 | € 0,36 | 3,78% |
| May 06, 2019 | May 08, 2019 | € 0,70 | 5,49% |
| May 07, 2018 | May 09, 2018 | € 0,65 | 4,06% |
| May 08, 2017 | May 10, 2017 | € 0,60 | 3,56% |
| May 12, 2016 | May 17, 2016 | € 0,88 | 7,56% |
| Sep 18, 2015 | Sep 22, 2015 | € 0,25 | 4,14% |
| May 11, 2015 | May 13, 2015 | € 0,50 | 2,53% |
| May 12, 2014 | May 15, 2014 | € 0,25 | 1,38% |
| May 06, 2013 | May 10, 2013 | € 0,15 | 0,90% |
| May 07, 2012 | May 10, 2012 | € 0,10 | 0,87% |
| Apr 19, 2007 | Apr 23, 2007 | € 2,20 | 2,94% |
| Apr 20, 2006 | Jul 12, 2006 | € 5,65 | 4,43% |
| Apr 22, 2005 | Apr 26, 2005 | € 3,00 | 4,04% |
Belangrijkste Punten
Revenue grew 13,95% annually over 5 years — strong growth
Earnings grew 33,44% over the past year
Debt/Equity of 3,95 — high leverage
Negative free cash flow of -15,62B
Revenue growth is decelerating — 1Y growth trails 5Y average by 34,38%
Capital efficient — spends only 3,32% of revenue on capex
Groei
Revenue Growth (5Y)
13,95%
Revenue (1Y)-20,43%
Earnings (1Y)33,44%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
7,03%
ROIC1,18%
Net Margin10,43%
Op. Margin11,89%
Veiligheid
Debt / Equity
3,95
Current Ratio0,42
Interest Coverage0,33
Waardering
P/E Ratio
19,54
Forward P/E11,67
P/B Ratio1,33
EV/EBITDA37,97
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -20,43% | Revenue Growth (3Y) | 1,45% |
| Earnings Growth (1Y) | 33,44% | Earnings Growth (3Y) | -48,70% |
| Revenue Growth (5Y) | 13,95% | Earnings Growth (5Y) | -2,50% |
| Profitability | |||
| Revenue (TTM) | 59,05B | Net Income (TTM) | 6,16B |
| ROE | 7,03% | ROA | 0,38% |
| Gross Margin | 63,65% | Operating Margin | 11,89% |
| Net Margin | 10,43% | Free Cash Flow (TTM) | -15,62B |
| ROIC | 1,18% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 3,95 | Current Ratio | 0,42 |
| Interest Coverage | 0,33 | ||
| Dividends | |||
| Dividend Yield | 0,02% | Payout Ratio | 0,39% |
| Dividend Growth (3Y) | -3,45% | Dividend Growth (5Y) | -9,18% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 19,54 | Forward P/E | 11,67 |
| P/B Ratio | 1,33 | P/S Ratio | 2,04 |
| PEG Ratio | 1,06 | Forward PEG | N/A |
| EV/EBITDA | 37,97 | Fwd EV/EBITDA | 19,12 |
| Forward P/S | 2,36 | Fwd Earnings Yield | 8,57% |
| FCF Yield | -12,98% | ||
| Market Cap | 120,35B | Enterprise Value | 266,61B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 59,05B | 74,22B | 57,38B | 36,82B | 35,03B |
| Net Income | 6,16B | 4,62B | 23,41B | 7,05B | 6,82B |
| EPS (Diluted) | 1,87 | 1,52 | 8,86 | 2,25 | 2,06 |
| Gross Profit | 37,59B | 41,09B | 32,36B | 30,73B | 32,18B |
| Operating Income | 7,02B | 6,19B | 24,17B | 8,88B | 8,67B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1,62T | 1,57T | 1,72T | 1,10T | 1,12T |
| Total Liabilities | 1,53T | 1,48T | 1,63T | 1,05T | 1,06T |
| Shareholders' Equity | 90,21B | 85,08B | 86,11B | 56,88B | 60,66B |
| Total Debt | 356,12B | 353,05B | 399,50B | 212,81B | 230,65B |
| Cash & Equivalents | 209,86B | 225,71B | 317,21B | 172,83B | 194,80B |
| Current Assets | 434,00B | 268,45B | 452,33B | 268,89B | 357,35B |
| Current Liabilities | 1,02T | 919,03B | 1,01T | 665,62B | 689,99B |