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Fourchette du Jour
72,84 €
74,56 €
Fourchette 52 Semaines
66,81 €
84,48 €
Volume
1 166 002
Moyenne 50J / 200J
74,51 €
/
75,80 €
Clôture Précédente
72,52 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 16,6 | 10,3 |
| P/B | 1,1 | 1,1 |
| ROE % | 6,7 | 11,7 |
| Net Margin % | 5,7 | 16,8 |
| Rev Growth 5Y % | 2,5 | 11,7 |
| D/E | 0,4 | 0,5 |
Objectif de Cours des Analystes
Hold
97,17 €
+32.7%
Low: 81,00 €
High: 115,00 €
P/E Prévisionnel
8,4
BPA Prévisionnel
8,75 €
Croissance BPA (est.)
+0,0%
CA Est.
12 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2029 |
11,95 €
11,16 € – 13,55 €
|
14 B | 1 |
| FY2028 |
10,86 €
10,43 € – 11,25 €
|
13 B | 3 |
| FY2027 |
9,75 €
9,44 € – 9,89 €
|
13 B | 7 |
Points Clés
Revenue grew 2,48% annually over 5 years — modest growth
Earnings declined -58,49% over the past year
Debt/Equity of 0,35 — conservative balance sheet
Generating 555,40M in free cash flow
Capital efficient — spends only 1,01% of revenue on capex
ROIC of 4,66% — low return on invested capital
Croissance
Revenue Growth (5Y)
2,48%
Revenue (1Y)2,07%
Earnings (1Y)-58,49%
FCF Growth (3Y)-27,89%
Qualité
Return on Equity
6,69%
ROIC4,66%
Net Margin5,66%
Op. Margin7,15%
Sécurité
Debt / Equity
0,35
Current RatioN/A
Interest Coverage4,47
Valorisation
P/E Ratio
16,60
P/B Ratio1,10
EV/EBITDA17,14
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 2,07% | Revenue Growth (3Y) | 2,98% |
| Earnings Growth (1Y) | -58,49% | Earnings Growth (3Y) | -24,16% |
| Revenue Growth (5Y) | 2,48% | Earnings Growth (5Y) | -6,85% |
| Profitability | |||
| Revenue (TTM) | 13,05B | Net Income (TTM) | 738,50M |
| ROE | 6,69% | ROA | 1,15% |
| Gross Margin | 38,22% | Operating Margin | 7,15% |
| Net Margin | 5,66% | Free Cash Flow (TTM) | 555,40M |
| ROIC | 4,66% | FCF Growth (3Y) | -27,89% |
| Safety | |||
| Debt / Equity | 0,35 | Current Ratio | N/A |
| Interest Coverage | 4,47 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 16,60 | P/B Ratio | 1,10 |
| P/S Ratio | 0,94 | PEG Ratio | -0,33 |
| EV/EBITDA | 17,14 | Dividend Yield | 0,02% |
| Market Cap | 12,26B | Enterprise Value | 16,00B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 13,05B | 12,79B | 12,31B | 11,88B | 11,84B |
| Net Income | 738,50M | 1,78B | 1,28B | 1,41B | 981,00M |
| EPS (Diluted) | 4,28 | 9,46 | 6,50 | 6,96 | 4,02 |
| Gross Profit | 4,99B | 4,74B | 4,03B | 3,93B | 3,32B |
| Operating Income | 933,50M | 2,25B | 1,64B | 1,75B | 1,26B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 64,09B | 62,35B | 63,61B | 61,53B | 71,23B |
| Total Liabilities | 52,98B | 51,39B | 53,96B | 52,79B | 59,81B |
| Shareholders' Equity | 11,12B | 10,96B | 9,65B | 8,74B | 11,42B |
| Total Debt | 3,90B | 3,86B | 3,54B | 3,43B | 3,58B |
| Cash & Equivalents | 158,20M | 162,80M | 146,00M | 119,20M | 75,00M |
| Current Assets | 1,59B | 1,62B | 1,69B | 1,60B | 1,59B |
| Current Liabilities | 0,0 | 676,00M | 399,40M | 367,50M | 370,10M |