Retour
Fourchette du Jour
55,94 €
57,29 €
Fourchette 52 Semaines
39,32 €
66,18 €
Volume
2 346 619
Moyenne 50J / 200J
59,19 €
/
55,66 €
Clôture Précédente
56,22 €
Quick Summary
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (855 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 9,4 | 10,3 |
| P/B | 1,2 | 1,1 |
| ROE % | 13,5 | 11,6 |
| Net Margin % | 18,2 | 16,8 |
| Rev Growth 5Y % | 13,6 | 11,6 |
| D/E | 0,6 | 0,5 |
Objectif de Cours des Analystes
Hold
67,00 €
+17.1%
Low: 60,00 €
High: 75,00 €
P/E Prévisionnel
9,18
BPA Prévisionnel
6,23 €
Croissance BPA (est.)
+0,0%
CA Est.
3,53B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
6,79 €
6,08 € – 7,40 €
|
3,83B | 5 |
| FY2027 |
6,57 €
6,34 € – 6,88 €
|
3,69B | 19 |
| FY2026 |
6,23 €
6,02 € – 6,36 €
|
3,53B | 20 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-20 | 1,57 € | 1,75 € | +11,5% |
| 2025-10-20 | 1,46 € | 1,54 € | +5,5% |
| 2025-07-21 | 1,31 € | 1,58 € | +20,6% |
| 2025-04-21 | 1,19 € | 1,24 € | +4,2% |
| 2025-01-21 | 1,25 € | 1,34 € | +7,2% |
| 2024-10-21 | 1,17 € | 1,37 € | +17,1% |
| 2024-07-22 | 1,10 € | 1,29 € | +17,3% |
| 2024-04-22 | 0,98 € | 0,96 € | -2,0% |
Dividend History
7 yr streakYield
0,03%
Payout Ratio
0,30%
Growth (3Y)
3,66%
Growth (5Y)
5,29%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 12, 2026 | Feb 19, 2026 | 0,45 € | 2,96% |
| Nov 13, 2025 | Nov 20, 2025 | 0,45 € | 3,46% |
| Aug 14, 2025 | Aug 21, 2025 | 0,45 € | 3,24% |
| May 15, 2025 | May 22, 2025 | 0,43 € | 3,47% |
| Feb 13, 2025 | Feb 20, 2025 | 0,43 € | 3,03% |
| Nov 14, 2024 | Nov 21, 2024 | 0,43 € | 2,79% |
| Aug 15, 2024 | Aug 22, 2024 | 0,41 € | 3,56% |
| May 15, 2024 | May 23, 2024 | 0,41 € | 3,64% |
| Feb 14, 2024 | Feb 22, 2024 | 0,41 € | 4,06% |
| Nov 08, 2023 | Nov 16, 2023 | 0,41 € | 4,86% |
| Aug 16, 2023 | Aug 24, 2023 | 0,41 € | 4,71% |
| May 17, 2023 | May 25, 2023 | 0,41 € | 6,27% |
| Feb 15, 2023 | Feb 23, 2023 | 0,41 € | 3,09% |
| Nov 09, 2022 | Nov 17, 2022 | 0,41 € | 3,18% |
| Aug 17, 2022 | Aug 25, 2022 | 0,41 € | 2,64% |
| May 18, 2022 | May 26, 2022 | 0,38 € | 2,87% |
| Feb 16, 2022 | Feb 24, 2022 | 0,38 € | 2,00% |
| Nov 09, 2021 | Nov 18, 2021 | 0,38 € | 2,21% |
| Aug 11, 2021 | Aug 19, 2021 | 0,38 € | 2,50% |
| May 12, 2021 | May 20, 2021 | 0,34 € | 2,38% |
Points Clés
Revenue grew 13,59% annually over 5 years — strong growth
ROE of 13,51% — decent returns on equity
Net margin of 18,18% shows strong profitability
Generating 981,00M in free cash flow
P/E of 9,41 — trading at a low valuation
PEG of 0,42 suggests growth is underpriced
Croissance
Revenue Growth (5Y)
13,59%
Revenue (1Y)-0,98%
Earnings (1Y)14,67%
FCF Growth (3Y)12,73%
Qualité
Return on Equity
13,51%
ROIC7,65%
Net Margin18,18%
Op. Margin23,77%
Sécurité
Debt / Equity
0,61
Current Ratio0,16
Interest Coverage0,75
Valorisation
P/E Ratio
9,41
Forward P/E9,18
P/B Ratio1,18
EV/EBITDA8,44
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -0,98% | Revenue Growth (3Y) | 3,40% |
| Earnings Growth (1Y) | 14,67% | Earnings Growth (3Y) | 14,98% |
| Revenue Growth (5Y) | 13,59% | Earnings Growth (5Y) | -5,54% |
| Profitability | |||
| Revenue (TTM) | 4,94B | Net Income (TTM) | 899,00M |
| ROE | 13,51% | ROA | 1,01% |
| Gross Margin | 67,05% | Operating Margin | 23,77% |
| Net Margin | 18,18% | Free Cash Flow (TTM) | 981,00M |
| ROIC | 7,65% | FCF Growth (3Y) | 12,73% |
| Safety | |||
| Debt / Equity | 0,61 | Current Ratio | 0,16 |
| Interest Coverage | 0,75 | ||
| Dividends | |||
| Dividend Yield | 0,03% | Payout Ratio | 0,30% |
| Dividend Growth (3Y) | 3,66% | Dividend Growth (5Y) | 5,29% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 9,41 | Forward P/E | 9,18 |
| P/B Ratio | 1,18 | P/S Ratio | 1,71 |
| PEG Ratio | 0,42 | Forward PEG | N/A |
| EV/EBITDA | 8,44 | Fwd EV/EBITDA | 8,95 |
| Forward P/S | 2,40 | Fwd Earnings Yield | 10,89% |
| FCF Yield | 11,60% | ||
| Market Cap | 8,46B | Enterprise Value | 9,92B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 4,94B | 4,99B | 4,62B | 3,34B | 2,97B |
| Net Income | 899,00M | 784,00M | 680,00M | 907,00M | 1,13B |
| EPS (Diluted) | 6,01 | 4,95 | 4,35 | 5,79 | 6,79 |
| Gross Profit | 3,32B | 3,06B | 2,98B | 3,03B | 3,19B |
| Operating Income | 1,18B | 1,01B | 886,00M | 1,15B | 1,45B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 88,99B | 88,78B | 87,20B | 89,55B | 93,20B |
| Total Liabilities | 81,81B | 82,65B | 81,51B | 84,65B | 85,74B |
| Shareholders' Equity | 7,18B | 6,12B | 5,69B | 4,89B | 7,46B |
| Total Debt | 4,34B | 4,37B | 4,54B | 11,07B | 1,92B |
| Cash & Equivalents | 2,89B | 3,50B | 2,20B | 2,00B | 10,88B |
| Current Assets | 12,18B | 13,01B | 12,89B | 14,30B | 35,25B |
| Current Liabilities | 78,52B | 79,64B | 78,96B | 82,07B | 83,69B |