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Fourchette du Jour
69,41 €
71,23 €
Fourchette 52 Semaines
57,05 €
97,23 €
Volume
683 187
Moyenne 50J / 200J
84,97 €
/
82,77 €
Clôture Précédente
69,69 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 8,0 | 10,3 |
| P/B | 1,0 | 1,1 |
| ROE % | 13,5 | 11,7 |
| Net Margin % | 18,4 | 16,8 |
| Rev Growth 5Y % | 27,4 | 11,6 |
| D/E | 0,9 | 0,5 |
Objectif de Cours des Analystes
Hold
96,83 €
+36.9%
Low: 85,00 €
High: 105,00 €
P/E Prévisionnel
6,84
BPA Prévisionnel
10,10 €
Croissance BPA (est.)
+0,0%
CA Est.
3,97B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
13,49 €
13,00 € – 14,48 €
|
4,60B | 3 |
| FY2027 |
11,80 €
11,31 € – 12,10 €
|
4,29B | 10 |
| FY2026 |
10,10 €
9,76 € – 10,52 €
|
3,97B | 11 |
No quarterly estimates available
Dividend History
7 yr streakYield
0,02%
Payout Ratio
0,19%
Growth (3Y)
3,18%
Growth (5Y)
9,30%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 20, 2026 | Mar 06, 2026 | 0,42 € | 1,71% |
| Nov 13, 2025 | Nov 28, 2025 | 0,42 € | 2,00% |
| Aug 14, 2025 | Aug 29, 2025 | 0,38 € | 1,81% |
| May 15, 2025 | May 30, 2025 | 0,38 € | 1,93% |
| Feb 14, 2025 | Feb 28, 2025 | 0,38 € | 1,69% |
| Nov 15, 2024 | Nov 29, 2024 | 0,38 € | 1,65% |
| Aug 16, 2024 | Aug 30, 2024 | 0,37 € | 1,88% |
| May 15, 2024 | May 31, 2024 | 0,37 € | 2,27% |
| Feb 15, 2024 | Mar 01, 2024 | 0,37 € | 2,34% |
| Nov 16, 2023 | Dec 01, 2023 | 0,37 € | 3,02% |
| Aug 10, 2023 | Aug 25, 2023 | 0,36 € | 2,79% |
| May 11, 2023 | May 26, 2023 | 0,36 € | 5,35% |
| Feb 16, 2023 | Mar 03, 2023 | 0,36 € | 1,93% |
| Nov 17, 2022 | Dec 02, 2022 | 0,36 € | 2,03% |
| Aug 11, 2022 | Aug 26, 2022 | 0,36 € | 1,68% |
| May 12, 2022 | May 27, 2022 | 0,35 € | 1,89% |
| Feb 17, 2022 | Mar 04, 2022 | 0,35 € | 1,39% |
| Nov 18, 2021 | Dec 03, 2021 | 0,35 € | 1,04% |
| Aug 12, 2021 | Aug 27, 2021 | 0,35 € | 1,09% |
| May 13, 2021 | May 28, 2021 | 0,25 € | 0,97% |
Points Clés
Revenue grew 27,41% annually over 5 years — strong growth
Earnings grew 23,02% over the past year
ROE of 13,50% — decent returns on equity
Net margin of 18,37% shows strong profitability
Negative free cash flow of -2,79B
P/E of 8,03 — trading at a low valuation
Croissance
Revenue Growth (5Y)
27,41%
Revenue (1Y)5,17%
Earnings (1Y)23,02%
FCF Growth (3Y)N/A
Qualité
Return on Equity
13,50%
ROIC6,41%
Net Margin18,37%
Op. Margin22,88%
Sécurité
Debt / Equity
0,85
Current Ratio0,56
Interest Coverage0,66
Valorisation
P/E Ratio
8,03
Forward P/E6,84
P/B Ratio1,02
EV/EBITDA8,83
Dividend Yield0,02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 5,17% | Revenue Growth (3Y) | 11,32% |
| Earnings Growth (1Y) | 23,02% | Earnings Growth (3Y) | 15,82% |
| Revenue Growth (5Y) | 27,41% | Earnings Growth (5Y) | 1,89% |
| Profitability | |||
| Revenue (TTM) | 5,28B | Net Income (TTM) | 969,00M |
| ROE | 13,50% | ROA | 1,04% |
| Gross Margin | 61,10% | Operating Margin | 22,88% |
| Net Margin | 18,37% | Free Cash Flow (TTM) | -2,79B |
| ROIC | 6,41% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0,85 | Current Ratio | 0,56 |
| Interest Coverage | 0,66 | ||
| Dividends | |||
| Dividend Yield | 0,02% | Payout Ratio | 0,19% |
| Dividend Growth (3Y) | 3,18% | Dividend Growth (5Y) | 9,30% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 8,03 | Forward P/E | 6,84 |
| P/B Ratio | 1,02 | P/S Ratio | 1,48 |
| PEG Ratio | 0,41 | Forward PEG | N/A |
| EV/EBITDA | 8,83 | Fwd EV/EBITDA | 7,70 |
| Forward P/S | 1,96 | Fwd Earnings Yield | 14,62% |
| FCF Yield | -35,88% | ||
| Market Cap | 7,79B | Enterprise Value | 10,67B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 5,28B | 5,02B | 4,26B | 2,96B | 2,00B |
| Net Income | 969,00M | 787,70M | 722,40M | 1,06B | 899,20M |
| EPS (Diluted) | 8,73 | 7,09 | 6,54 | 9,70 | 8,67 |
| Gross Profit | 3,22B | 2,95B | 2,50B | 2,42B | 1,92B |
| Operating Income | 1,21B | 991,20M | 933,60M | 1,32B | 1,12B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 92,77B | 80,93B | 70,86B | 67,73B | 55,98B |
| Total Liabilities | 84,83B | 74,23B | 64,78B | 62,38B | 51,02B |
| Shareholders' Equity | 7,65B | 6,71B | 6,08B | 5,36B | 4,96B |
| Total Debt | 6,48B | 6,63B | 8,30B | 7,38B | 2,54B |
| Cash & Equivalents | 3,60B | 4,10B | 1,58B | 1,04B | 516,00M |
| Current Assets | 24,03B | 8,53B | 12,74B | 8,14B | 6,71B |
| Current Liabilities | 42,77B | 69,49B | 62,12B | 58,64B | 48,34B |