Terug
Dagbereik
€ 290,85
€ 295,13
52-Weeksbereik
€ 275,60
€ 352,79
Volume
482.397
50D / 200D Gem.
€ 307,24
/
€ 318,98
Vorige Slotkoers
€ 293,43
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (854 peers)
| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 17,5 | 10,3 |
| P/B | 3,5 | 1,1 |
| ROE % | 20,2 | 11,7 |
| Net Margin % | 16,5 | 16,8 |
| Rev Growth 5Y % | 1,9 | 11,6 |
| D/E | 0,9 | 0,5 |
Koersdoel Analisten
Hold
€ 371,33
+26.6%
Low: € 318,00
High: € 409,00
Forward K/W
14,9
Forward WPA
€ 19,65
WPA Groei (sch.)
+0,0%
Omzet Sch.
11 B
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| 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 |
Belangrijkste Punten
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
Groei
Revenue Growth (5Y)
1,92%
Revenue (1Y)-2,24%
Earnings (1Y)N/A
FCF Growth (3Y)18,39%
Kwaliteit
Return on Equity
20,17%
ROIC11,26%
Net Margin16,53%
Op. Margin23,01%
Veiligheid
Debt / Equity
0,87
Current Ratio1,20
Interest Coverage8,59
Waardering
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 |