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Fourchette du Jour
290,85 €
295,13 €
Fourchette 52 Semaines
275,60 €
352,79 €
Volume
482 397
Moyenne 50J / 200J
307,24 €
/
318,98 €
Clôture Précédente
293,43 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 17,5 | 10,3 |
| P/B | 3,5 | 1,1 |
| ROE % | 20,2 | 11,7 |
| Net Margin % | 16,5 | 16,9 |
| Rev Growth 5Y % | 1,9 | 11,6 |
| D/E | 0,9 | 0,5 |
Objectif de Cours des Analystes
Hold
371,33 €
+26.6%
Low: 318,00 €
High: 409,00 €
P/E Prévisionnel
14,9
BPA Prévisionnel
19,65 €
Croissance BPA (est.)
+0,0%
CA Est.
11 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
25,45 €
22,25 € – 28,64 €
|
12 B | 2 |
| FY2027 |
22,35 €
21,72 € – 22,88 €
|
11 B | 11 |
| FY2026 |
19,65 €
19,19 € – 20,07 €
|
11 B | 12 |
Points Clés
Revenue grew 1,92% annually over 5 years — modest growth
ROE of 20,17% indicates high profitability
Net margin of 16,53% shows strong profitability
Generating 1,55B in free cash flow
Revenue growth is decelerating — 1Y growth trails 5Y average by 4,16%
Cash machine — converts 96,32% of earnings into free cash flow
Croissance
Revenue Growth (5Y)
1,92%
Revenue (1Y)-2,24%
Earnings (1Y)N/A
FCF Growth (3Y)18,39%
Qualité
Return on Equity
20,17%
ROIC11,26%
Net Margin16,53%
Op. Margin23,01%
Sécurité
Debt / Equity
0,87
Current Ratio1,20
Interest Coverage8,59
Valorisation
P/E Ratio
17,50
P/B Ratio3,52
EV/EBITDA14,26
Dividend Yield0,01%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -2,24% | Revenue Growth (3Y) | 1,18% |
| Earnings Growth (1Y) | N/A | Earnings Growth (3Y) | 23,34% |
| Revenue Growth (5Y) | 1,92% | Earnings Growth (5Y) | -21,48% |
| Profitability | |||
| Revenue (TTM) | 9,71B | Net Income (TTM) | 1,61B |
| ROE | 20,17% | ROA | 5,44% |
| Gross Margin | 42,06% | Operating Margin | 23,01% |
| Net Margin | 16,53% | Free Cash Flow (TTM) | 1,55B |
| ROIC | 11,26% | FCF Growth (3Y) | 18,39% |
| Safety | |||
| Debt / Equity | 0,87 | Current Ratio | 1,20 |
| Interest Coverage | 8,59 | Dividend Yield | 0,01% |
| Valuation | |||
| P/E Ratio | 17,50 | P/B Ratio | 3,52 |
| P/S Ratio | 2,89 | PEG Ratio | -0,01 |
| EV/EBITDA | 14,26 | Dividend Yield | 0,01% |
| Market Cap | 28,09B | Enterprise Value | 31,86B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 9,71B | 9,93B | 9,48B | 8,87B | 9,00B |
| Net Income | 1,61B | -98,00M | 1,06B | 1,01B | 4,22B |
| EPS (Diluted) | 16,26 | -0,96 | 9,95 | 8,98 | 14,90 |
| Gross Profit | 4,08B | 4,43B | 4,14B | 3,80B | 3,75B |
| Operating Income | 2,23B | 627,00M | 1,37B | 1,18B | 2,20B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 29,53B | 27,68B | 29,09B | 31,77B | 34,97B |
| Total Liabilities | 21,48B | 19,66B | 19,50B | 21,68B | 21,66B |
| Shareholders' Equity | 7,98B | 7,94B | 9,52B | 10,02B | 13,26B |
| Total Debt | 6,90B | 5,93B | 5,94B | 5,48B | 5,49B |
| Cash & Equivalents | 3,13B | 1,89B | 1,42B | 1,26B | 4,49B |
| Current Assets | 16,87B | 15,11B | 13,43B | 15,84B | 18,49B |
| Current Liabilities | 14,00B | 12,60B | 12,63B | 14,78B | 14,72B |