Real-time Estimate
Tradegate
10:46:53 2024-07-11 am EDT
|
5-day change
|
1st Jan Change
|
48.1
EUR
|
-1.62%
|
|
+0.46%
|
+15.72%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
12,692
|
11,837
|
14,553
|
19,266
|
18,237
|
20,358
|
-
|
-
|
Enterprise Value (EV)
1 |
12,692
|
11,837
|
14,553
|
19,266
|
18,701
|
20,358
|
20,358
|
20,358
|
P/E ratio
|
19.6
x
|
23.6
x
|
15
x
|
14.7
x
|
14
x
|
13.1
x
|
12.2
x
|
11.1
x
|
Yield
|
0.62%
|
0.71%
|
2.44%
|
1.23%
|
2.73%
|
2.1%
|
2.41%
|
2.21%
|
Capitalization / Revenue
|
1.91
x
|
1.71
x
|
1.8
x
|
2.01
x
|
1.75
x
|
1.79
x
|
1.66
x
|
1.63
x
|
EV / Revenue
|
1.91
x
|
1.71
x
|
1.8
x
|
2.01
x
|
1.75
x
|
1.79
x
|
1.66
x
|
1.63
x
|
EV / EBITDA
|
-
|
-
|
-
|
-
|
9,799,409
x
|
-
|
-
|
-
|
EV / FCF
|
-
|
-
|
-
|
-
|
6,340,650
x
|
-
|
-
|
-
|
FCF Yield
|
-
|
-
|
-
|
-
|
0%
|
-
|
-
|
-
|
Price to Book
|
2.09
x
|
1.87
x
|
2.19
x
|
2.84
x
|
2.43
x
|
2.46
x
|
2.06
x
|
1.89
x
|
Nbr of stocks (in thousands)
|
413,268
|
400,997
|
397,441
|
398,214
|
386,808
|
383,493
|
-
|
-
|
Reference price
2 |
30.71
|
29.52
|
36.62
|
48.38
|
47.15
|
53.09
|
53.09
|
53.09
|
Announcement Date
|
1/28/20
|
1/26/21
|
1/27/22
|
1/26/23
|
1/24/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
6,633
|
6,931
|
8,106
|
9,561
|
10,401
|
11,393
|
12,245
|
12,506
|
EBITDA
|
-
|
-
|
-
|
-
|
1,861
|
-
|
-
|
-
|
EBIT
1 |
1,006
|
852.7
|
1,430
|
1,850
|
1,882
|
2,104
|
2,235
|
2,189
|
Operating Margin
|
15.17%
|
12.3%
|
17.64%
|
19.35%
|
18.09%
|
18.47%
|
18.26%
|
17.5%
|
Earnings before Tax (EBT)
1 |
852.9
|
704.8
|
1,283
|
1,720
|
1,754
|
2,108
|
2,241
|
2,386
|
Net income
1 |
681.9
|
530.7
|
1,022
|
1,381
|
1,381
|
1,650
|
1,760
|
1,934
|
Net margin
|
10.28%
|
7.66%
|
12.61%
|
14.44%
|
13.28%
|
14.48%
|
14.37%
|
15.47%
|
EPS
2 |
1.564
|
1.249
|
2.436
|
3.293
|
3.367
|
4.039
|
4.357
|
4.780
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
2,876
|
-
|
-
|
-
|
FCF margin
|
-
|
-
|
-
|
-
|
27.65%
|
-
|
-
|
-
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
154.55%
|
-
|
-
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
-
|
208.21%
|
-
|
-
|
-
|
Dividend per Share
2 |
0.1911
|
0.2089
|
0.8933
|
0.5933
|
1.287
|
1.115
|
1.281
|
1.171
|
Announcement Date
|
1/28/20
|
1/26/21
|
1/27/22
|
1/26/23
|
1/24/24
|
-
|
-
|
-
|
Fiscal Period: December |
2021 Q4
|
2022 Q1
|
2022 Q2
|
2022 Q3
|
2022 Q4
|
2023 Q1
|
2023 Q2
|
2023 Q3
|
2023 Q4
|
2024 Q1
|
2024 Q2
|
2024 Q3
|
2024 Q4
|
2025 Q1
|
2025 Q2
|
---|
Net sales
1 |
2,203
|
2,249
|
2,357
|
2,442
|
2,513
|
2,491
|
2,553
|
2,642
|
2,715
|
2,764
|
2,842
|
2,909
|
2,969
|
3,025
|
3,083
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
392
|
767.4
|
425.8
|
385.5
|
510.3
|
407.9
|
489
|
494.3
|
533.1
|
605.8
|
541.7
|
539.8
|
554.2
|
579.7
|
587.9
|
Operating Margin
|
17.79%
|
34.12%
|
18.07%
|
15.78%
|
20.31%
|
16.37%
|
19.16%
|
18.71%
|
19.64%
|
21.91%
|
19.06%
|
18.56%
|
18.67%
|
19.16%
|
19.07%
|
Earnings before Tax (EBT)
1 |
354.6
|
732.4
|
222.6
|
286.3
|
478.4
|
376.1
|
457.2
|
419.9
|
501.2
|
574.1
|
509.1
|
514.2
|
538.1
|
559.4
|
550.2
|
Net income
1 |
294.4
|
590.6
|
179.3
|
228.9
|
382.2
|
294.1
|
356.3
|
333.6
|
397.3
|
442.5
|
395.1
|
396.6
|
427.7
|
435.9
|
431.9
|
Net margin
|
13.36%
|
26.26%
|
7.61%
|
9.37%
|
15.21%
|
11.81%
|
13.96%
|
12.63%
|
14.64%
|
16.01%
|
13.9%
|
13.63%
|
14.4%
|
14.41%
|
14.01%
|
EPS
2 |
0.7067
|
1.413
|
0.4267
|
0.5467
|
0.9133
|
0.7067
|
0.8667
|
0.8200
|
0.9800
|
1.093
|
0.9650
|
0.9800
|
1.045
|
1.077
|
1.061
|
Dividend per Share
2 |
0.2800
|
0.0600
|
0.4000
|
0.0667
|
0.0667
|
0.0667
|
0.0733
|
-
|
0.4067
|
0.0733
|
0.3700
|
0.0733
|
0.5400
|
0.0800
|
0.3800
|
Announcement Date
|
1/27/22
|
4/25/22
|
7/21/22
|
10/24/22
|
1/26/23
|
4/20/23
|
7/20/23
|
10/23/23
|
1/24/24
|
4/23/24
|
-
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
|
-
|
-
|
-
|
-
|
465
|
-
|
-
|
-
|
Net Cash position
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
-
|
-
|
-
|
-
|
0.2497
x
|
-
|
-
|
-
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
2,876
|
-
|
-
|
-
|
ROE (net income / shareholders' equity)
|
12.5%
|
8.7%
|
16.2%
|
20.8%
|
20.5%
|
20%
|
18.4%
|
17.7%
|
ROA (Net income/ Total Assets)
|
2.65%
|
1.92%
|
3.37%
|
4.19%
|
3.89%
|
4.1%
|
4.1%
|
4.1%
|
Assets
1 |
25,770
|
27,639
|
30,347
|
32,973
|
35,532
|
40,249
|
42,929
|
47,175
|
Book Value Per Share
2 |
14.70
|
15.80
|
16.70
|
17.00
|
19.40
|
21.50
|
25.80
|
28.10
|
Cash Flow per Share
2 |
-
|
3.810
|
5.200
|
6.130
|
7.150
|
4.350
|
4.040
|
-
|
Capex
|
-
|
38.2
|
-
|
52.7
|
53.1
|
-
|
-
|
-
|
Capex / Sales
|
-
|
0.55%
|
-
|
0.55%
|
0.51%
|
-
|
-
|
-
|
Announcement Date
|
1/28/20
|
1/26/21
|
1/27/22
|
1/26/23
|
1/24/24
|
-
|
-
|
-
|
Last Close Price
53.09
USD Average target price
59.33
USD Spread / Average Target +11.77% Consensus |
1st Jan change
|
Capi.
|
---|
| +83.51% | 79.97B | | +12.66% | 50.41B | | +8.89% | 47.45B | | +14.75% | 42.22B | | +108.91% | 38.64B | | +29.59% | 36.46B | | +16.12% | 31.05B | | +27.28% | 25.43B | | +0.45% | 21.39B |
Other Property & Casualty Insurance
|