Real-time Estimate
Tradegate
07:05:23 2024-05-16 EDT
|
5-day change
|
1st Jan Change
|
6.265
EUR
|
+35.56%
|
|
0.00%
|
0.00%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
8,056
|
6,538
|
8,826
|
9,141
|
8,212
|
10,901
|
-
|
-
|
Enterprise Value (EV)
1 |
7,443
|
-1,834
|
13,792
|
12,080
|
8,212
|
22,573
|
12,852
|
12,852
|
P/E ratio
|
5.28
x
|
162
x
|
5.49
x
|
-3.79
x
|
-43.7
x
|
8.55
x
|
7.45
x
|
7
x
|
Yield
|
7.62%
|
3.71%
|
3.87%
|
4.85%
|
-
|
5.73%
|
6.42%
|
6.9%
|
Capitalization / Revenue
|
0.44
x
|
0.41
x
|
0.57
x
|
0.62
x
|
-
|
0.84
x
|
0.77
x
|
0.76
x
|
EV / Revenue
|
0.41
x
|
-0.11
x
|
0.89
x
|
0.82
x
|
-
|
1.74
x
|
0.91
x
|
0.89
x
|
EV / EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EV / FCF
|
1.03
x
|
-3.8
x
|
18.9
x
|
15.5
x
|
-
|
27.1
x
|
13.9
x
|
10.2
x
|
FCF Yield
|
96.7%
|
-26.3%
|
5.29%
|
6.46%
|
-
|
3.69%
|
7.2%
|
9.83%
|
Price to Book
|
0.36
x
|
0.29
x
|
0.37
x
|
0.83
x
|
-
|
1.13
x
|
1.06
x
|
0.98
x
|
Nbr of stocks (in thousands)
|
1,980,832
|
2,021,164
|
2,009,073
|
1,929,320
|
1,564,872
|
1,751,952
|
-
|
-
|
Reference price
2 |
4.067
|
3.235
|
4.393
|
4.738
|
5.248
|
6.222
|
6.222
|
6.222
|
Announcement Date
|
20-02-13
|
21-02-11
|
22-02-09
|
23-02-09
|
24-03-01
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
18,138
|
16,099
|
15,444
|
14,761
|
-
|
12,937
|
14,148
|
14,369
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
1,973
|
1,729
|
1,906
|
1,918
|
1,498
|
1,636
|
1,676
|
1,755
|
Operating Margin
|
10.88%
|
10.74%
|
12.34%
|
12.99%
|
-
|
12.65%
|
11.84%
|
12.22%
|
Earnings before Tax (EBT)
1 |
1,872
|
-84
|
2,056
|
-2,319
|
-317
|
1,588
|
1,746
|
1,977
|
Net income
1 |
1,528
|
55
|
1,651
|
-2,533
|
-247
|
1,223
|
1,324
|
1,333
|
Net margin
|
8.42%
|
0.34%
|
10.69%
|
-17.16%
|
-
|
9.46%
|
9.36%
|
9.28%
|
EPS
2 |
0.7700
|
0.0200
|
0.8000
|
-1.250
|
-0.1200
|
0.7277
|
0.8352
|
0.8885
|
Free Cash Flow
1 |
7,200
|
482
|
729
|
780
|
-
|
833.2
|
925.3
|
1,263
|
FCF margin
|
39.7%
|
2.99%
|
4.72%
|
5.28%
|
-
|
6.44%
|
6.54%
|
8.79%
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (Net income)
|
471.2%
|
876.36%
|
44.16%
|
-
|
-
|
68.11%
|
69.88%
|
94.73%
|
Dividend per Share
2 |
0.3100
|
0.1200
|
0.1700
|
0.2300
|
-
|
0.3564
|
0.3995
|
0.4295
|
Announcement Date
|
20-02-13
|
21-02-11
|
22-02-09
|
23-02-09
|
24-03-01
|
-
|
-
|
-
|
Fiscal Period: December |
2019 S2
|
2020 S1
|
2020 S2
|
2021 S1
|
2021 Q3
|
2021 Q4
|
2022 Q1
|
2022 Q2
|
2022 Q3
|
2022 Q4
|
2023 Q2
|
2023 S1
|
2024 S1
|
2024 S2
|
---|
Net sales
|
-
|
-
|
-
|
-
|
3,662
|
3,915
|
-
|
6,188
|
3,651
|
3,577
|
-
|
-
|
-
|
-
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
|
-
|
710
|
-
|
-
|
443
|
470
|
463
|
538
|
429
|
488
|
-
|
-
|
-
|
-
|
Operating Margin
|
-
|
-
|
-
|
-
|
12.1%
|
12.01%
|
-
|
8.69%
|
11.75%
|
13.64%
|
-
|
-
|
-
|
-
|
Earnings before Tax (EBT)
|
1,105
|
111
|
-195
|
-
|
-107
|
627
|
394
|
-454
|
-300
|
-1,978
|
-
|
-
|
-
|
-
|
Net income
|
910
|
202
|
-
|
-
|
-60
|
504
|
385
|
-365
|
-200
|
-2,352
|
-
|
-
|
-
|
-
|
Net margin
|
-
|
-
|
-
|
-
|
-1.64%
|
12.87%
|
-
|
-5.9%
|
-5.48%
|
-65.75%
|
-
|
-
|
-
|
-
|
EPS
|
0.4500
|
0.0800
|
-
|
-
|
-0.0400
|
0.2500
|
0.1900
|
-0.1900
|
-0.1000
|
-1.180
|
-
|
-
|
0.2500
|
0.2600
|
Dividend per Share
1 |
0.1600
|
0.0600
|
0.0600
|
0.0800
|
-
|
0.0900
|
-
|
0.1100
|
-
|
0.1200
|
0.1400
|
0.1400
|
0.1600
|
0.2100
|
Announcement Date
|
20-02-13
|
20-08-13
|
21-02-11
|
21-08-12
|
21-11-11
|
22-02-09
|
22-05-12
|
22-08-11
|
22-11-10
|
23-02-09
|
23-09-01
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
1 |
-
|
-
|
4,966
|
2,939
|
-
|
11,672
|
1,951
|
1,951
|
Net Cash position
1 |
613
|
8,372
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Free Cash Flow
1 |
7,200
|
482
|
729
|
780
|
-
|
833
|
925
|
1,263
|
ROE (net income / shareholders' equity)
|
9.6%
|
8.5%
|
6.35%
|
-14.2%
|
-
|
11.3%
|
12.2%
|
12.6%
|
ROA (Net income/ Total Assets)
|
0.37%
|
0.32%
|
0.34%
|
0.34%
|
-
|
0.31%
|
0.32%
|
0.38%
|
Assets
1 |
417,065
|
17,405
|
492,395
|
-736,337
|
-
|
391,486
|
413,784
|
350,857
|
Book Value Per Share
2 |
11.20
|
11.10
|
11.90
|
5.740
|
-
|
5.480
|
5.890
|
6.380
|
Cash Flow per Share
|
3.580
|
-1.390
|
-0.8700
|
-
|
-
|
-
|
-
|
-
|
Capex
1 |
-
|
80
|
-
|
-
|
-
|
180
|
177
|
175
|
Capex / Sales
|
-
|
0.5%
|
-
|
-
|
-
|
1.39%
|
1.25%
|
1.22%
|
Announcement Date
|
20-02-13
|
21-02-11
|
22-02-09
|
23-02-09
|
24-03-01
|
-
|
-
|
-
|
Last Close Price
6.222
EUR Average target price
5.937
EUR Spread / Average Target -4.58% Consensus |
1st Jan change
|
Capi.
|
---|
| +14.21% | 79.8B | | +10.59% | 52B | | +6.04% | 49.71B | | +21.41% | 46.93B | | +15.32% | 42.95B | | +0.65% | 29.55B | | -3.35% | 29.07B | | -8.05% | 27.91B | | +23.72% | 25.84B |
Other Life & Health Insurance
|