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Fourchette du Jour
28,70 €
29,75 €
Fourchette 52 Semaines
16,30 €
30,71 €
Volume
600
Moyenne 50J / 200J
27,31 €
/
24,51 €
Clôture Précédente
28,70 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 14,2 | 10,3 |
| P/B | 1,4 | 1,1 |
| ROE % | 9,6 | 11,7 |
| Net Margin % | 11,9 | 16,8 |
| Rev Growth 5Y % | 27,6 | 11,7 |
| D/E | 3,2 | 0,5 |
Objectif de Cours des Analystes
Hold
37,63 €
+31.1%
P/E Prévisionnel
12,7
BPA Prévisionnel
2,26 €
Croissance BPA (est.)
+0,0%
CA Est.
25 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2029 |
2,47 €
2,42 € – 2,52 €
|
27 B | 1 |
| FY2028 |
2,44 €
2,39 € – 2,49 €
|
26 B | 1 |
| FY2027 |
2,33 €
2,28 € – 2,38 €
|
26 B | 1 |
Points Clés
Revenue grew 27,64% annually over 5 years — strong growth
Debt/Equity of 3,19 — high leverage
Generating 13,56B in free cash flow
P/E of 14,18 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 26,38%
Cash machine — converts 196,16% of earnings into free cash flow
Croissance
Revenue Growth (5Y)
27,64%
Revenue (1Y)1,26%
Earnings (1Y)-1,14%
FCF Growth (3Y)N/A
Qualité
Return on Equity
9,57%
ROIC2,53%
Net Margin11,93%
Op. Margin17,81%
Sécurité
Debt / Equity
3,19
Current Ratio0,29
Interest Coverage0,29
Valorisation
P/E Ratio
14,18
P/B Ratio1,35
EV/EBITDA32,05
Dividend Yield0,06%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 1,26% | Revenue Growth (3Y) | 66,06% |
| Earnings Growth (1Y) | -1,14% | Earnings Growth (3Y) | -2,00% |
| Revenue Growth (5Y) | 27,64% | Earnings Growth (5Y) | 6,07% |
| Profitability | |||
| Revenue (TTM) | 57,90B | Net Income (TTM) | 6,91B |
| ROE | 9,57% | ROA | 0,61% |
| Gross Margin | 37,67% | Operating Margin | 17,81% |
| Net Margin | 11,93% | Free Cash Flow (TTM) | 13,56B |
| ROIC | 2,53% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 3,19 | Current Ratio | 0,29 |
| Interest Coverage | 0,29 | Dividend Yield | 0,06% |
| Valuation | |||
| P/E Ratio | 14,18 | P/B Ratio | 1,35 |
| P/S Ratio | 1,69 | PEG Ratio | -24,85 |
| EV/EBITDA | 32,05 | Dividend Yield | 0,06% |
| Market Cap | 98,00B | Enterprise Value | 330,45B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 57,90B | 57,18B | 21,00B | 19,27B | 21,81B |
| Net Income | 6,91B | 6,99B | 7,20B | 5,69B | 5,46B |
| EPS (Diluted) | 2,00 | 1,92 | 1,95 | 1,52 | 1,38 |
| Gross Profit | 21,81B | 21,05B | 21,38B | 19,27B | 21,81B |
| Operating Income | 10,31B | 11,59B | 11,54B | 9,84B | 11,29B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1,13T | 1,08T | 1,03T | 1,01T | 935,87B |
| Total Liabilities | 1,05T | 1,01T | 957,24B | 943,69B | 863,78B |
| Shareholders' Equity | 72,77B | 71,71B | 72,50B | 70,45B | 72,04B |
| Total Debt | 232,46B | 207,17B | 189,75B | 176,12B | 157,85B |
| Cash & Equivalents | 0,0 | 66,27B | 102,98B | 105,73B | 71,92B |
| Current Assets | 133,12B | 171,84B | 179,49B | 183,29B | 155,99B |
| Current Liabilities | 452,30B | 31,44B | 29,02B | 32,04B | 21,93B |