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Fourchette du Jour
51,44 €
52,95 €
Fourchette 52 Semaines
35,18 €
61,19 €
Volume
8 987 015
Moyenne 50J / 200J
55,41 €
/
49,81 €
Clôture Précédente
51,25 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 10,6 | 10,3 |
| P/B | 1,2 | 1,1 |
| ROE % | 12,2 | 11,7 |
| Net Margin % | 17,7 | 16,8 |
| Rev Growth 5Y % | 16,0 | 11,7 |
| D/E | 1,2 | 0,5 |
Objectif de Cours des Analystes
Hold
59,79 €
+16.1%
Low: 52,00 €
High: 66,00 €
P/E Prévisionnel
10,2
BPA Prévisionnel
5,04 €
Croissance BPA (est.)
+0,0%
CA Est.
30 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
6,15 €
5,54 € – 6,57 €
|
34 B | 5 |
| FY2027 |
5,61 €
5,27 € – 5,89 €
|
32 B | 12 |
| FY2026 |
5,04 €
4,84 € – 5,16 €
|
30 B | 13 |
Points Clés
Revenue grew 15,95% annually over 5 years — strong growth
Earnings grew 20,27% over the past year
ROE of 12,24% — decent returns on equity
Net margin of 17,68% shows strong profitability
Generating 7,97B in free cash flow
P/E of 10,57 — trading at a low valuation
Croissance
Revenue Growth (5Y)
15,95%
Revenue (1Y)0,35%
Earnings (1Y)20,27%
FCF Growth (3Y)-2,86%
Qualité
Return on Equity
12,24%
ROIC4,99%
Net Margin17,68%
Op. Margin22,20%
Sécurité
Debt / Equity
1,20
Current Ratio0,26
Interest Coverage0,66
Valorisation
P/E Ratio
10,57
P/B Ratio1,23
EV/EBITDA11,67
Dividend Yield0,04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 0,35% | Revenue Growth (3Y) | 2,72% |
| Earnings Growth (1Y) | 20,27% | Earnings Growth (3Y) | 18,13% |
| Revenue Growth (5Y) | 15,95% | Earnings Growth (5Y) | -1,24% |
| Profitability | |||
| Revenue (TTM) | 42,86B | Net Income (TTM) | 7,58B |
| ROE | 12,24% | ROA | 1,09% |
| Gross Margin | 62,83% | Operating Margin | 22,20% |
| Net Margin | 17,68% | Free Cash Flow (TTM) | 7,97B |
| ROIC | 4,99% | FCF Growth (3Y) | -2,86% |
| Safety | |||
| Debt / Equity | 1,20 | Current Ratio | 0,26 |
| Interest Coverage | 0,66 | Dividend Yield | 0,04% |
| Valuation | |||
| P/E Ratio | 10,57 | P/B Ratio | 1,23 |
| P/S Ratio | 1,87 | PEG Ratio | 0,50 |
| EV/EBITDA | 11,67 | Dividend Yield | 0,04% |
| Market Cap | 80,05B | Enterprise Value | 111,08B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 42,86B | 42,71B | 40,62B | 27,40B | 23,71B |
| Net Income | 7,58B | 6,30B | 5,43B | 5,83B | 7,96B |
| EPS (Diluted) | 4,61 | 3,79 | 3,27 | 3,69 | 5,10 |
| Gross Profit | 26,93B | 25,10B | 25,74B | 22,21B | 23,89B |
| Operating Income | 9,52B | 7,91B | 6,87B | 7,30B | 10,17B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 692,35B | 678,32B | 663,49B | 674,81B | 573,28B |
| Total Liabilities | 626,69B | 619,28B | 607,72B | 623,57B | 517,90B |
| Shareholders' Equity | 65,19B | 58,58B | 55,31B | 50,77B | 54,92B |
| Total Debt | 77,93B | 73,52B | 66,76B | 71,05B | 43,92B |
| Cash & Equivalents | 46,89B | 56,50B | 61,19B | 53,54B | 28,91B |
| Current Assets | 137,73B | 151,14B | 138,90B | 135,68B | 173,68B |
| Current Liabilities | 539,38B | 533,83B | 527,59B | 556,19B | 467,88B |