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Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 12,4 | 10,3 |
| P/B | 1,1 | 1,1 |
| ROE % | 9,2 | 11,7 |
| Net Margin % | 21,4 | 16,9 |
| Rev Growth 5Y % | 21,2 | 11,6 |
| D/E | 0,6 | 0,5 |
Objectif de Cours des Analystes
Aucune couverture d'analyste disponible
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2029 |
0,28 €
0,24 € – 0,29 €
|
2,34B | 1 |
| FY2028 |
0,26 €
0,23 € – 0,27 €
|
2,26B | 1 |
| FY2027 |
0,26 €
0,22 € – 0,27 €
|
2,19B | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-02 | 0,06 € | 0,05 € | -16,0% |
| 2025-10-28 | 0,07 € | 0,06 € | -13,6% |
| 2025-07-28 | 0,08 € | 0,08 € | +6,7% |
| 2025-04-28 | 0,04 € | 0,07 € | +50,2% |
| 2025-02-04 | 0,05 € | 0,05 € | -9,6% |
| 2024-10-30 | 0,07 € | 0,07 € | +4,2% |
| 2024-07-30 | 0,08 € | 0,07 € | -3,0% |
| 2024-04-29 | 0,04 € | 0,05 € | +28,7% |
Dividend History
Yield
0,05%
Payout Ratio
N/A
Growth (3Y)
N/A
Growth (5Y)
N/A
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Apr 22, 2026 | Apr 23, 2026 | 0,10 € | 5,36% |
| Sep 24, 2025 | Sep 25, 2025 | 0,06 € | 9,85% |
| Apr 23, 2025 | Apr 24, 2025 | 0,08 € | 9,20% |
| Dec 18, 2024 | Dec 19, 2024 | 0,06 € | 10,12% |
| Apr 17, 2024 | Apr 19, 2024 | 0,05 € | 4,90% |
| Apr 12, 2023 | Apr 14, 2023 | 0,05 € | 6,43% |
| Apr 06, 2022 | Apr 08, 2022 | 0,03 € | 3,59% |
| Sep 15, 2021 | Sep 17, 2021 | 0,00 € | 1,33% |
| Apr 14, 2021 | Apr 16, 2021 | 0,01 € | 1,04% |
| May 08, 2019 | May 10, 2019 | 0,04 € | 1,76% |
| May 08, 2018 | May 10, 2018 | 0,03 € | 1,00% |
Points Clés
Revenue grew 21,24% annually over 5 years — strong growth
Net margin of 21,35% shows strong profitability
Generating 167,13M in free cash flow
P/E of 12,40 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 31,11%
Capital efficient — spends only 1,93% of revenue on capex
Croissance
Revenue Growth (5Y)
21,24%
Revenue (1Y)-9,87%
Earnings (1Y)10,19%
FCF Growth (3Y)-75,42%
Qualité
Return on Equity
9,15%
ROIC6,14%
Net Margin21,35%
Op. Margin30,48%
Sécurité
Debt / Equity
0,56
Current Ratio0,21
Interest Coverage1,08
Valorisation
P/E Ratio
12,40
Forward P/EN/A
P/B Ratio1,11
EV/EBITDA-0,04
Dividend Yield0,05%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -9,87% | Revenue Growth (3Y) | -0,17% |
| Earnings Growth (1Y) | 10,19% | Earnings Growth (3Y) | 53,91% |
| Revenue Growth (5Y) | 21,24% | Earnings Growth (5Y) | -13,20% |
| Profitability | |||
| Revenue (TTM) | 2,96B | Net Income (TTM) | 631,76M |
| ROE | 9,15% | ROA | 0,64% |
| Gross Margin | 71,65% | Operating Margin | 30,48% |
| Net Margin | 21,35% | Free Cash Flow (TTM) | 167,13M |
| ROIC | 6,14% | FCF Growth (3Y) | -75,42% |
| Safety | |||
| Debt / Equity | 0,56 | Current Ratio | 0,21 |
| Interest Coverage | 1,08 | ||
| Dividends | |||
| Dividend Yield | 0,05% | Payout Ratio | N/A |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 12,40 | Forward P/E | N/A |
| P/B Ratio | 1,11 | P/S Ratio | 2,65 |
| PEG Ratio | 2,85 | Forward PEG | N/A |
| EV/EBITDA | -0,04 | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | 2,13% | ||
| Market Cap | 7,83B | Enterprise Value | -32,35M |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 2,96B | 3,28B | 2,97B | 1,94B | 1,37B |
| Net Income | 631,76M | 573,33M | 266,70M | 277,58M | 1,11B |
| EPS (Diluted) | 0,24 | 0,23 | 0,10 | 0,10 | 0,54 |
| Gross Profit | 2,12B | 2,13B | 1,98B | 1,74B | 1,25B |
| Operating Income | 902,00M | 816,29M | 370,57M | 382,85M | 1,02B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 98,39B | 97,37B | 97,15B | 99,00B | 115,55B |
| Total Liabilities | 91,30B | 90,63B | 90,51B | 92,54B | 109,22B |
| Shareholders' Equity | 7,07B | 6,74B | 6,64B | 6,46B | 6,33B |
| Total Debt | 3,95B | 4,81B | 5,09B | 4,48B | 3,08B |
| Cash & Equivalents | 11,82B | 7,50B | 8,04B | 4,66B | 21,30B |
| Current Assets | 17,11B | 7,50B | 8,04B | 4,66B | 21,30B |
| Current Liabilities | 82,44B | 75,91B | 73,52B | 75,64B | 206,27M |