Real-time Estimate
Tradegate
05:09:41 2024-06-12 am EDT
|
5-day change
|
1st Jan Change
|
2.175
EUR
|
+1.16%
|
|
-1.00%
|
+12.09%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
7,204
|
4,857
|
5,506
|
5,534
|
5,952
|
6,589
|
-
|
-
|
Enterprise Value (EV)
1 |
7,640
|
4,566
|
5,506
|
5,534
|
5,952
|
6,589
|
6,589
|
6,589
|
P/E ratio
|
11.8
x
|
9.37
x
|
7.22
x
|
8.62
x
|
8.83
x
|
7.48
x
|
6.97
x
|
6.72
x
|
Yield
|
6.36%
|
7.85%
|
8.11%
|
8.01%
|
7.72%
|
7.46%
|
7.92%
|
8.15%
|
Capitalization / Revenue
|
0.31
x
|
0.24
x
|
0.25
x
|
0.23
x
|
0.22
x
|
0.23
x
|
0.22
x
|
0.21
x
|
EV / Revenue
|
0.31
x
|
0.24
x
|
0.25
x
|
0.23
x
|
0.22
x
|
0.23
x
|
0.22
x
|
0.21
x
|
EV / EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EV / FCF
|
-
|
-
|
-
|
10.9
x
|
3.84
x
|
9.48
x
|
8.99
x
|
8.56
x
|
FCF Yield
|
-
|
-
|
-
|
9.22%
|
26%
|
10.5%
|
11.1%
|
11.7%
|
Price to Book
|
0.82
x
|
0.57
x
|
0.66
x
|
0.77
x
|
0.71
x
|
0.77
x
|
0.74
x
|
0.71
x
|
Nbr of stocks (in thousands)
|
3,052,650
|
3,049,267
|
3,049,485
|
3,057,260
|
3,063,119
|
3,064,424
|
-
|
-
|
Reference price
2 |
2.360
|
1.593
|
1.806
|
1.810
|
1.943
|
2.150
|
2.150
|
2.150
|
Announcement Date
|
2/12/20
|
2/11/21
|
2/10/22
|
2/9/23
|
2/14/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
23,044
|
20,482
|
22,155
|
24,540
|
26,917
|
29,238
|
30,230
|
31,601
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
1,369
|
1,195
|
1,391
|
1,398
|
1,648
|
2,012
|
2,055
|
2,133
|
Operating Margin
|
5.94%
|
5.83%
|
6.28%
|
5.7%
|
6.12%
|
6.88%
|
6.8%
|
6.75%
|
Earnings before Tax (EBT)
1 |
1,279
|
1,118
|
1,355
|
1,398
|
1,648
|
1,917
|
1,973
|
1,992
|
Net income
1 |
609.2
|
526.5
|
765.2
|
642.1
|
677.2
|
873
|
936.8
|
972.8
|
Net margin
|
2.64%
|
2.57%
|
3.45%
|
2.62%
|
2.52%
|
2.99%
|
3.1%
|
3.08%
|
EPS
2 |
0.2000
|
0.1700
|
0.2500
|
0.2100
|
0.2200
|
0.2875
|
0.3086
|
0.3200
|
Free Cash Flow
1 |
-
|
-
|
-
|
510
|
1,548
|
695
|
733
|
770
|
FCF margin
|
-
|
-
|
-
|
2.08%
|
5.75%
|
2.38%
|
2.42%
|
2.44%
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
79.42%
|
228.64%
|
79.61%
|
78.24%
|
79.15%
|
Dividend per Share
2 |
0.1500
|
0.1250
|
0.1464
|
0.1450
|
0.1500
|
0.1603
|
0.1704
|
0.1753
|
Announcement Date
|
2/12/20
|
2/11/21
|
2/10/22
|
2/9/23
|
2/14/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019 S2
|
2020 S1
|
2021 S1
|
2021 Q3
|
2021 Q4
|
2022 Q1
|
2022 Q2
|
2022 Q3
|
2022 Q4
|
2023 Q2
|
2023 S1
|
2023 Q3
|
2023 Q4
|
2024 Q1
|
2024 Q2
|
2024 Q3
|
2024 Q4
|
---|
Net sales
|
-
|
10,983
|
-
|
4,969
|
5,523
|
6,538
|
5,972
|
6,135
|
5,896
|
6,564
|
14,350
|
6,330
|
6,238
|
-
|
7,166
|
6,764
|
6,047
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
|
-
|
-
|
659.6
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Operating Margin
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Earnings before Tax (EBT)
1 |
530
|
536.5
|
-
|
269.3
|
451.4
|
300.6
|
362.4
|
352.9
|
381.7
|
453
|
-
|
432.2
|
414.3
|
451
|
-
|
-
|
-
|
Net income
1 |
234.7
|
270.7
|
364
|
160.4
|
240.8
|
154.5
|
183.1
|
150.8
|
153.7
|
189.4
|
-
|
153.6
|
206.6
|
191
|
226.4
|
191.5
|
189.4
|
Net margin
|
-
|
2.46%
|
-
|
3.23%
|
4.36%
|
2.36%
|
3.07%
|
2.46%
|
2.61%
|
2.89%
|
-
|
2.43%
|
3.31%
|
-
|
3.16%
|
2.83%
|
3.13%
|
EPS
|
0.0800
|
-
|
-
|
0.0300
|
0.1000
|
0.0500
|
0.0600
|
0.0500
|
0.0500
|
-
|
-
|
-
|
-
|
-
|
0.0735
|
0.0622
|
0.0615
|
Dividend per Share
|
-
|
-
|
-
|
-
|
0.1464
|
-
|
-
|
-
|
0.0846
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
2/12/20
|
7/24/20
|
7/26/21
|
10/29/21
|
2/10/22
|
4/28/22
|
7/28/22
|
10/28/22
|
2/9/23
|
7/28/23
|
7/28/23
|
10/15/23
|
2/14/24
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
|
436
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Net Cash position
|
-
|
292
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Free Cash Flow
1 |
-
|
-
|
-
|
510
|
1,548
|
695
|
733
|
770
|
ROE (net income / shareholders' equity)
|
7.23%
|
6.1%
|
9%
|
8.2%
|
9%
|
10.2%
|
10.8%
|
10.7%
|
ROA (Net income/ Total Assets)
|
0.87%
|
0.74%
|
1.15%
|
1.04%
|
1.26%
|
1.7%
|
1.55%
|
1.65%
|
Assets
1 |
69,867
|
70,831
|
66,504
|
61,740
|
53,573
|
51,351
|
60,441
|
58,960
|
Book Value Per Share
2 |
2.880
|
2.770
|
2.750
|
2.360
|
2.750
|
2.780
|
2.910
|
3.040
|
Cash Flow per Share
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex / Sales
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
2/12/20
|
2/11/21
|
2/10/22
|
2/9/23
|
2/14/24
|
-
|
-
|
-
|
Last Close Price
2.15
EUR Average target price
2.456
EUR Spread / Average Target +14.21% Consensus |
1st Jan change
|
Capi.
|
---|
| +12.09% | 7.07B | | +16.78% | 111B | | +7.17% | 107B | | +7.87% | 75.36B | | +23.70% | 29.41B | | +15.31% | 20.47B | | -2.59% | 11.99B | | +2.07% | 10.26B | | +3.86% | 10.03B | | +16.93% | 9.7B |
Other Multiline Insurance & Brokers
|