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Fourchette du Jour
67,19 €
68,47 €
Fourchette 52 Semaines
52,43 €
79,99 €
Volume
640 074
Moyenne 50J / 200J
72,75 €
/
72,73 €
Clôture Précédente
68,15 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 9,9 | 10,3 |
| P/B | 1,3 | 1,1 |
| ROE % | 14,6 | 11,6 |
| Net Margin % | 8,7 | 16,8 |
| Rev Growth 5Y % | 15,4 | 11,6 |
| D/E | 0,4 | 0,5 |
Objectif de Cours des Analystes
Hold
89,50 €
+31.9%
Low: 86,00 €
High: 93,00 €
P/E Prévisionnel
7,0
BPA Prévisionnel
9,73 €
Croissance BPA (est.)
+0,0%
CA Est.
8,2 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2029 |
12,80 €
12,14 € – 13,77 €
|
8,6 B | 2 |
| FY2028 |
12,70 €
12,05 € – 13,37 €
|
7,4 B | 4 |
| FY2027 |
11,22 €
10,95 € – 11,63 €
|
8,5 B | 6 |
Points Clés
Revenue grew 15,38% annually over 5 years — strong growth
ROE of 14,60% — decent returns on equity
Debt/Equity of 0,42 — conservative balance sheet
Generating 1,29B in free cash flow
P/E of 9,87 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 22,26%
Croissance
Revenue Growth (5Y)
15,38%
Revenue (1Y)-6,88%
Earnings (1Y)-1,95%
FCF Growth (3Y)-11,33%
Qualité
Return on Equity
14,60%
ROIC2,77%
Net Margin8,72%
Op. Margin3,48%
Sécurité
Debt / Equity
0,42
Current Ratio20,38
Interest Coverage2,23
Valorisation
P/E Ratio
9,87
P/B Ratio1,30
EV/EBITDA28,10
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -6,88% | Revenue Growth (3Y) | 1,00% |
| Earnings Growth (1Y) | -1,95% | Earnings Growth (3Y) | 2,29% |
| Revenue Growth (5Y) | 15,38% | Earnings Growth (5Y) | -25,42% |
| Profitability | |||
| Revenue (TTM) | 7,50B | Net Income (TTM) | 654,00M |
| ROE | 14,60% | ROA | 0,37% |
| Gross Margin | 51,84% | Operating Margin | 3,48% |
| Net Margin | 8,72% | Free Cash Flow (TTM) | 1,29B |
| ROIC | 2,77% | FCF Growth (3Y) | -11,33% |
| Safety | |||
| Debt / Equity | 0,42 | Current Ratio | 20,38 |
| Interest Coverage | 2,23 | Dividend Yield | 0,03% |
| Valuation | |||
| P/E Ratio | 9,87 | P/B Ratio | 1,30 |
| P/S Ratio | 0,86 | PEG Ratio | 8,62 |
| EV/EBITDA | 28,10 | Dividend Yield | 0,03% |
| Market Cap | 6,46B | Enterprise Value | 7,33B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 7,50B | 8,05B | 7,35B | 5,93B | 4,23B |
| Net Income | 654,00M | 667,00M | 625,00M | 510,00M | 2,11B |
| EPS (Diluted) | 6,32 | 6,17 | 5,41 | 4,30 | 16,52 |
| Gross Profit | 3,89B | 3,88B | 3,69B | 2,97B | 7,36B |
| Operating Income | 261,00M | 799,00M | 678,00M | 428,00M | 2,78B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 178,86B | 163,89B | 157,09B | 146,61B | 171,26B |
| Total Liabilities | 171,82B | 157,88B | 151,03B | 141,61B | 161,44B |
| Shareholders' Equity | 4,95B | 4,01B | 4,19B | 3,35B | 8,25B |
| Total Debt | 2,10B | 3,60B | 3,43B | 3,47B | 3,48B |
| Cash & Equivalents | 1,23B | 1,51B | 1,12B | 1,01B | 1,57B |
| Current Assets | 11,94B | 36,98B | 38,69B | 40,83B | 49,00B |
| Current Liabilities | 586,00M | 399,00M | 1,00M | 141,00M | 1,00M |