Terug
Dagbereik
€ 31,41
€ 32,30
52-Weeksbereik
€ 23,75
€ 34,30
Volume
703.031
50D / 200D Gem.
€ 32,23
/
€ 30,98
Vorige Slotkoers
€ 31,08
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 10,7 | 10,3 |
| P/B | 0,8 | 1,1 |
| ROE % | 7,5 | 11,7 |
| Net Margin % | 16,0 | 16,8 |
| Rev Growth 5Y % | 21,2 | 11,7 |
| D/E | 0,6 | 0,5 |
Koersdoel Analisten
Hold
€ 32,25
+1.9%
Low: € 30,50
High: € 34,00
Forward K/W
10,3
Forward WPA
€ 3,09
WPA Groei (sch.)
+0,0%
Omzet Sch.
770 M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
€ 3,24
€ 3,20 – € 3,27
|
800 M | 3 |
| FY2026 |
€ 3,09
€ 3,03 – € 3,14
|
770 M | 3 |
Belangrijkste Punten
Revenue grew 21,24% annually over 5 years — strong growth
Net margin of 16,03% shows strong profitability
Generating 208,25M in free cash flow
P/E of 10,70 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 22,82%
Cash machine — converts 92,12% of earnings into free cash flow
Groei
Revenue Growth (5Y)
21,24%
Revenue (1Y)-1,58%
Earnings (1Y)13,01%
FCF Growth (3Y)2,32%
Kwaliteit
Return on Equity
7,49%
ROIC4,47%
Net Margin16,03%
Op. Margin20,54%
Veiligheid
Debt / Equity
0,60
Current Ratio0,15
Interest Coverage0,42
Waardering
P/E Ratio
10,70
P/B Ratio0,80
EV/EBITDA12,36
Dividend Yield0,04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -1,58% | Revenue Growth (3Y) | 13,46% |
| Earnings Growth (1Y) | 13,01% | Earnings Growth (3Y) | -6,29% |
| Revenue Growth (5Y) | 21,24% | Earnings Growth (5Y) | 5,34% |
| Profitability | |||
| Revenue (TTM) | 1,41B | Net Income (TTM) | 226,07M |
| ROE | 7,49% | ROA | 0,85% |
| Gross Margin | 50,90% | Operating Margin | 20,54% |
| Net Margin | 16,03% | Free Cash Flow (TTM) | 208,25M |
| ROIC | 4,47% | FCF Growth (3Y) | 2,32% |
| Safety | |||
| Debt / Equity | 0,60 | Current Ratio | 0,15 |
| Interest Coverage | 0,42 | Dividend Yield | 0,04% |
| Valuation | |||
| P/E Ratio | 10,70 | P/B Ratio | 0,80 |
| P/S Ratio | 1,72 | PEG Ratio | 1,92 |
| EV/EBITDA | 12,36 | Dividend Yield | 0,04% |
| Market Cap | 2,42B | Enterprise Value | 3,58B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1,41B | 1,43B | 1,10B | 733,38M | 652,60M |
| Net Income | 226,07M | 200,04M | 257,43M | 236,33M | 183,62M |
| EPS (Diluted) | 2,63 | 2,50 | 3,72 | 3,39 | 2,39 |
| Gross Profit | 717,73M | 704,33M | 701,11M | 658,61M | 565,60M |
| Operating Income | 289,64M | 256,06M | 325,08M | 300,04M | 233,14M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 26,70B | 28,06B | 22,47B | 20,77B | 19,65B |
| Total Liabilities | 23,66B | 25,06B | 20,05B | 18,50B | 17,52B |
| Shareholders' Equity | 3,04B | 3,00B | 2,43B | 2,27B | 2,13B |
| Total Debt | 1,82B | 3,32B | 3,65B | 2,13B | 1,72B |
| Cash & Equivalents | 657,31M | 2,38B | 980,65M | 683,97M | 2,09B |
| Current Assets | 3,48B | 5,18B | 3,07B | 2,80B | 4,28B |
| Current Liabilities | 23,18B | 21,37B | 16,35B | 16,32B | 15,76B |