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Fourchette du Jour
51,14 €
52,04 €
Fourchette 52 Semaines
42,00 €
53,48 €
Volume
184 669
Moyenne 50J / 200J
50,81 €
/
49,16 €
Clôture Précédente
51,27 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (855 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 10,8 | 10,4 |
| P/B | 1,3 | 1,1 |
| ROE % | 12,7 | 11,6 |
| Net Margin % | 42,7 | 16,8 |
| Rev Growth 5Y % | 5,8 | 11,6 |
| D/E | 0,2 | 0,5 |
Objectif de Cours des Analystes
Hold
57,00 €
+10.7%
P/E Prévisionnel
12,11
BPA Prévisionnel
4,25 €
Croissance BPA (est.)
+0,0%
CA Est.
240,50M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
4,20 €
4,20 € – 4,20 €
|
234,00M | 1 |
| FY2026 |
4,25 €
4,25 € – 4,25 €
|
240,50M | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-27 | N/A | 1,12 € | — |
| 2025-10-16 | 1,08 € | 1,12 € | +3,7% |
| 2025-07-17 | 1,07 € | 1,12 € | +4,7% |
| 2025-04-17 | 1,11 € | 1,16 € | +4,5% |
| 2025-02-28 | N/A | 1,19 € | — |
| 2024-10-17 | 1,24 € | 1,27 € | +2,4% |
| 2024-07-18 | 1,30 € | 1,33 € | +2,3% |
| 2024-04-18 | 1,37 € | 1,37 € | 0,0% |
Dividend History
7 yr streakYield
0,04%
Payout Ratio
0,40%
Growth (3Y)
2,70%
Growth (5Y)
2,10%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 02, 2026 | Feb 13, 2026 | 0,46 € | 3,60% |
| Nov 03, 2025 | Nov 14, 2025 | 0,46 € | 3,86% |
| Aug 04, 2025 | Aug 15, 2025 | 0,46 € | 3,77% |
| May 05, 2025 | May 16, 2025 | 0,46 € | 3,65% |
| Feb 03, 2025 | Feb 14, 2025 | 0,44 € | 3,50% |
| Nov 04, 2024 | Nov 15, 2024 | 0,44 € | 3,48% |
| Aug 05, 2024 | Aug 16, 2024 | 0,44 € | 3,62% |
| May 03, 2024 | May 17, 2024 | 0,44 € | 3,57% |
| Feb 02, 2024 | Feb 16, 2024 | 0,44 € | 3,76% |
| Nov 03, 2023 | Nov 17, 2023 | 0,44 € | 3,48% |
| Aug 04, 2023 | Aug 18, 2023 | 0,44 € | 3,45% |
| May 05, 2023 | May 19, 2023 | 0,42 € | 4,35% |
| Feb 03, 2023 | Feb 17, 2023 | 0,42 € | 2,97% |
| Nov 04, 2022 | Nov 18, 2022 | 0,42 € | 2,74% |
| Aug 05, 2022 | Aug 19, 2022 | 0,42 € | 2,85% |
| May 06, 2022 | May 20, 2022 | 0,42 € | 2,88% |
| Feb 04, 2022 | Feb 18, 2022 | 0,42 € | 2,87% |
| Nov 05, 2021 | Nov 19, 2021 | 0,42 € | 2,89% |
| Jul 30, 2021 | Aug 13, 2021 | 0,41 € | 2,95% |
| Apr 30, 2021 | May 14, 2021 | 0,41 € | 2,59% |
Points Clés
Revenue grew 5,82% annually over 5 years — modest growth
Earnings declined -16,20% over the past year
ROE of 12,74% — decent returns on equity
Net margin of 42,74% shows strong profitability
Debt/Equity of 0,17 — conservative balance sheet
Generating 119,59M in free cash flow
Croissance
Revenue Growth (5Y)
5,82%
Revenue (1Y)-12,64%
Earnings (1Y)-16,20%
FCF Growth (3Y)-12,74%
Qualité
Return on Equity
12,74%
ROIC10,75%
Net Margin42,74%
Op. Margin57,64%
Sécurité
Debt / Equity
0,17
Current Ratio33,06
Interest Coverage11,43
Valorisation
P/E Ratio
10,79
Forward P/E12,11
P/B Ratio1,34
EV/EBITDA5,39
Dividend Yield0,04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -12,64% | Revenue Growth (3Y) | -8,90% |
| Earnings Growth (1Y) | -16,20% | Earnings Growth (3Y) | -15,26% |
| Revenue Growth (5Y) | 5,82% | Earnings Growth (5Y) | 7,65% |
| Profitability | |||
| Revenue (TTM) | 271,84M | Net Income (TTM) | 116,17M |
| ROE | 12,74% | ROA | 1,95% |
| Gross Margin | 95,16% | Operating Margin | 57,64% |
| Net Margin | 42,74% | Free Cash Flow (TTM) | 119,59M |
| ROIC | 10,75% | FCF Growth (3Y) | -12,74% |
| Safety | |||
| Debt / Equity | 0,17 | Current Ratio | 33,06 |
| Interest Coverage | 11,43 | ||
| Dividends | |||
| Dividend Yield | 0,04% | Payout Ratio | 0,40% |
| Dividend Growth (3Y) | 2,70% | Dividend Growth (5Y) | 2,10% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 10,79 | Forward P/E | 12,11 |
| P/B Ratio | 1,34 | P/S Ratio | 4,61 |
| PEG Ratio | -0,79 | Forward PEG | N/A |
| EV/EBITDA | 5,39 | Fwd EV/EBITDA | 5,40 |
| Forward P/S | 5,21 | Fwd Earnings Yield | 8,26% |
| FCF Yield | 9,54% | ||
| Market Cap | 1,25B | Enterprise Value | 845,00M |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 271,84M | 311,17M | 327,54M | 266,88M | 216,79M |
| Net Income | 116,17M | 138,64M | 161,77M | 122,03M | 86,51M |
| EPS (Diluted) | 4,53 | 5,20 | 6,06 | 4,54 | 3,22 |
| Gross Profit | 258,70M | 293,45M | 324,80M | 264,95M | 214,83M |
| Operating Income | 156,69M | 189,06M | 221,58M | 165,59M | 117,03M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 5,96B | 6,08B | 6,36B | 6,95B | 7,46B |
| Total Liabilities | 5,03B | 5,19B | 5,59B | 6,35B | 6,63B |
| Shareholders' Equity | 933,51M | 889,96M | 772,89M | 602,11M | 827,10M |
| Total Debt | 159,50M | 138,31M | 76,98M | 73,54M | 164,23M |
| Cash & Equivalents | 567,80M | 601,49M | 190,31M | 294,24M | 1,13B |
| Current Assets | 4,75B | 1,99B | 4,25B | 4,68B | 5,81B |
| Current Liabilities | 143,72M | 5,13B | 5,53B | 6,28B | 6,56B |