Market Closed -
Nyse
16:00:02 2024-04-26 EDT
|
5-day change
|
1st Jan Change
|
50.89
USD
|
+0.73%
|
|
+4.50%
|
+3.43%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
5,737
|
6,469
|
6,479
|
4,071
|
5,899
|
6,095
|
-
|
-
|
Enterprise Value (EV)
1 |
21,722
|
22,036
|
23,688
|
21,854
|
24,698
|
26,298
|
27,099
|
6,095
|
P/E ratio
|
6.72
x
|
8.9
x
|
5.07
x
|
4.72
x
|
9.25
x
|
9.17
x
|
6.38
x
|
-
|
Yield
|
7.12%
|
12.3%
|
19.1%
|
11.4%
|
8.13%
|
7.86%
|
8.02%
|
8.65%
|
Capitalization / Revenue
|
1.52
x
|
1.67
x
|
1.64
x
|
0.97
x
|
1.38
x
|
1.34
x
|
1.27
x
|
1.15
x
|
EV / Revenue
|
5.75
x
|
5.7
x
|
5.98
x
|
5.22
x
|
5.77
x
|
5.8
x
|
5.65
x
|
1.15
x
|
EV / EBITDA
|
10,089,019
x
|
10,498,396
x
|
8,297,194
x
|
10,406,609
x
|
-
|
-
|
-
|
-
|
EV / FCF
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Yield
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Price to Book
|
1.32
x
|
1.88
x
|
2.09
x
|
1.33
x
|
1.85
x
|
1.84
x
|
1.67
x
|
1.47
x
|
Nbr of stocks (in thousands)
|
136,101
|
134,326
|
129,486
|
122,212
|
119,904
|
119,766
|
-
|
-
|
Reference price
2 |
42.15
|
48.16
|
50.04
|
33.31
|
49.20
|
50.89
|
50.89
|
50.89
|
Announcement Date
|
20-02-10
|
21-02-08
|
22-02-02
|
23-02-07
|
24-02-07
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
3,779
|
3,867
|
3,958
|
4,187
|
4,280
|
4,537
|
4,798
|
5,292
|
EBITDA
|
2,153
|
2,099
|
2,855
|
2,100
|
-
|
-
|
-
|
-
|
EBIT
1 |
2,262
|
2,405
|
2,334
|
2,613
|
2,561
|
1,445
|
1,828
|
-
|
Operating Margin
|
59.86%
|
62.19%
|
58.97%
|
62.41%
|
59.84%
|
31.85%
|
38.09%
|
-
|
Earnings before Tax (EBT)
1 |
1,098
|
977
|
1,741
|
1,163
|
840
|
884.2
|
1,279
|
-
|
Net income
1 |
855
|
730
|
1,314
|
878
|
641
|
655.9
|
936.3
|
-
|
Net margin
|
22.63%
|
18.88%
|
33.2%
|
20.97%
|
14.98%
|
14.46%
|
19.51%
|
-
|
EPS
2 |
6.270
|
5.410
|
9.870
|
7.060
|
5.320
|
5.551
|
7.971
|
-
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF margin
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Dividend per Share
2 |
3.000
|
5.940
|
9.550
|
3.800
|
4.000
|
4.000
|
4.080
|
4.400
|
Announcement Date
|
20-02-10
|
21-02-08
|
22-02-02
|
23-02-07
|
24-02-07
|
-
|
-
|
-
|
Fiscal Period: December |
2021 Q3
|
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
|
---|
Net sales
1 |
1,031
|
1,021
|
1,032
|
1,039
|
1,065
|
1,059
|
1,032
|
1,058
|
1,085
|
1,103
|
1,147
|
1,121
|
1,166
|
1,184
|
1,157
|
EBITDA
1 |
656
|
648
|
617
|
530
|
473
|
484
|
475
|
-
|
519
|
-
|
487.6
|
-
|
-
|
-
|
-
|
EBIT
1 |
602
|
592
|
635
|
528
|
671
|
658
|
620
|
641
|
662
|
666
|
443.8
|
118.5
|
259.4
|
218.9
|
-
|
Operating Margin
|
58.39%
|
57.98%
|
61.53%
|
50.82%
|
63%
|
62.13%
|
60.08%
|
60.59%
|
61.01%
|
60.38%
|
38.68%
|
10.57%
|
22.25%
|
18.48%
|
-
|
Earnings before Tax (EBT)
1 |
376
|
355
|
396
|
280
|
250
|
238
|
235
|
138
|
246
|
220
|
205.8
|
182
|
235
|
261.4
|
346
|
Net income
1 |
288
|
262
|
301
|
209
|
188
|
180
|
179
|
103
|
194
|
165
|
155.7
|
129.2
|
187.9
|
183.1
|
222.5
|
Net margin
|
27.93%
|
25.66%
|
29.17%
|
20.12%
|
17.65%
|
17%
|
17.34%
|
9.74%
|
17.88%
|
14.96%
|
13.57%
|
11.53%
|
16.12%
|
15.46%
|
19.24%
|
EPS
2 |
2.170
|
2.020
|
2.360
|
1.680
|
1.520
|
1.480
|
1.480
|
0.8500
|
1.610
|
1.380
|
1.317
|
1.088
|
1.585
|
1.553
|
1.890
|
Dividend per Share
2 |
4.200
|
0.7000
|
0.9500
|
0.9500
|
0.9500
|
0.9500
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.000
|
1.030
|
Announcement Date
|
21-10-20
|
22-02-02
|
22-04-28
|
22-07-27
|
22-10-26
|
23-02-07
|
23-04-25
|
23-07-26
|
23-10-25
|
24-02-07
|
-
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
1 |
15,985
|
15,567
|
17,209
|
17,783
|
18,799
|
20,203
|
21,004
|
-
|
Net Cash position
1 |
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
7.425
x
|
7.416
x
|
6.028
x
|
8.468
x
|
-
|
-
|
-
|
-
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
ROE (net income / shareholders' equity)
|
22.5%
|
18.8%
|
40.2%
|
28.7%
|
20.7%
|
27.7%
|
37.3%
|
45.9%
|
ROA (Net income/ Total Assets)
|
3.9%
|
3.2%
|
6.46%
|
3.94%
|
2.7%
|
2.81%
|
3.51%
|
-
|
Assets
1 |
21,923
|
22,812
|
20,354
|
22,306
|
23,741
|
23,350
|
26,646
|
-
|
Book Value Per Share
2 |
31.80
|
25.60
|
23.90
|
25.00
|
26.60
|
27.70
|
30.50
|
34.60
|
Cash Flow per Share
|
17.30
|
16.40
|
16.90
|
-
|
-
|
-
|
-
|
-
|
Capex
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex / Sales
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
20-02-10
|
21-02-08
|
22-02-02
|
23-02-07
|
24-02-07
|
-
|
-
|
-
|
Last Close Price
50.89
USD Average target price
54.46
USD Spread / Average Target +7.02% Consensus |
1st Jan change
|
Capi.
|
---|
| +3.43% | 6.09B | | -8.14% | 49.88B | | -5.25% | 30.53B | | +63.88% | 29.08B | | +20.03% | 23.38B | | +16.97% | 17.94B | | -6.99% | 11.81B | | +21.92% | 11.27B | | -20.90% | 8.31B | | +14.34% | 8.13B |
Other Consumer Lending
|