Terug
Dagbereik
€ 66,25
€ 69,92
52-Weeksbereik
€ 57,05
€ 97,23
Volume
2.421.035
50D / 200D Gem.
€ 84,97
/
€ 82,77
Vorige Slotkoers
€ 67,05
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 7,9 | 10,3 |
| P/B | 1,0 | 1,1 |
| ROE % | 13,5 | 11,7 |
| Net Margin % | 18,4 | 16,8 |
| Rev Growth 5Y % | 27,4 | 11,7 |
| D/E | 0,9 | 0,5 |
Koersdoel Analisten
Hold
€ 96,83
+40.0%
Low: € 85,00
High: € 105,00
Forward K/W
6,8
Forward WPA
€ 10,10
WPA Groei (sch.)
+0,0%
Omzet Sch.
4 B
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2028 |
€ 13,49
€ 13,00 – € 14,48
|
4,6 B | 3 |
| FY2027 |
€ 11,80
€ 11,31 – € 12,10
|
4,3 B | 10 |
| FY2026 |
€ 10,10
€ 9,76 – € 10,52
|
4 B | 11 |
Belangrijkste Punten
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 7,85 — trading at a low valuation
Groei
Revenue Growth (5Y)
27,41%
Revenue (1Y)5,17%
Earnings (1Y)23,02%
FCF Growth (3Y)N/A
Kwaliteit
Return on Equity
13,50%
ROIC6,41%
Net Margin18,37%
Op. Margin22,88%
Veiligheid
Debt / Equity
0,85
Current Ratio0,56
Interest Coverage0,66
Waardering
P/E Ratio
7,85
P/B Ratio0,99
EV/EBITDA8,69
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 | Dividend Yield | 0,02% |
| Valuation | |||
| P/E Ratio | 7,85 | P/B Ratio | 0,99 |
| P/S Ratio | 1,44 | PEG Ratio | 0,41 |
| EV/EBITDA | 8,69 | Dividend Yield | 0,02% |
| Market Cap | 7,61B | Enterprise Value | 10,49B |
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 |