Market Closed -
Nyse
04:00:02 2024-04-26 pm EDT
|
5-day change
|
1st Jan Change
|
285
USD
|
-6.85%
|
|
-8.11%
|
-2.06%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
48,768
|
47,782
|
66,223
|
62,085
|
58,267
|
56,566
|
-
|
-
|
Enterprise Value (EV)
1 |
55,317
|
54,319
|
74,779
|
71,713
|
68,319
|
67,017
|
66,811
|
66,454
|
P/E ratio
|
32.7
x
|
25
x
|
54.2
x
|
24.7
x
|
23.3
x
|
20.3
x
|
18
x
|
15.1
x
|
Yield
|
0.83%
|
0.84%
|
0.66%
|
0.73%
|
0.83%
|
0.93%
|
0.97%
|
1.03%
|
Capitalization / Revenue
|
4.43
x
|
4.32
x
|
5.43
x
|
4.98
x
|
4.36
x
|
3.61
x
|
3.64
x
|
3.53
x
|
EV / Revenue
|
5.02
x
|
4.91
x
|
6.13
x
|
5.75
x
|
5.11
x
|
4.28
x
|
4.3
x
|
4.14
x
|
EV / EBITDA
|
17,302,934
x
|
16,316,812
x
|
19,413,060
x
|
17,968,639
x
|
15,734,445
x
|
-
|
13,317,703
x
|
12,765,935
x
|
EV / FCF
|
34.4
x
|
20.6
x
|
36.6
x
|
23.7
x
|
21.5
x
|
22.1
x
|
18.8
x
|
17.4
x
|
FCF Yield
|
2.91%
|
4.86%
|
2.73%
|
4.22%
|
4.66%
|
4.53%
|
5.31%
|
5.76%
|
Price to Book
|
14.3
x
|
13.6
x
|
60.8
x
|
-117
x
|
-70
x
|
-51.1
x
|
-91.5
x
|
211
x
|
Nbr of stocks (in thousands)
|
234,137
|
226,164
|
220,332
|
206,853
|
200,216
|
198,455
|
-
|
-
|
Reference price
2 |
208.3
|
211.3
|
300.6
|
300.1
|
291.0
|
285.0
|
285.0
|
285.0
|
Announcement Date
|
1/31/20
|
2/5/21
|
2/4/22
|
2/3/23
|
2/2/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
11,013
|
11,066
|
12,193
|
12,479
|
13,376
|
15,673
|
15,541
|
16,042
|
EBITDA
|
3,197
|
3,329
|
3,852
|
3,991
|
4,342
|
-
|
5,017
|
5,206
|
EBIT
1 |
3,025
|
3,150
|
3,673
|
3,840
|
4,223
|
4,877
|
5,002
|
5,299
|
Operating Margin
|
27.47%
|
28.47%
|
30.12%
|
30.77%
|
31.57%
|
31.12%
|
32.19%
|
33.03%
|
Earnings before Tax (EBT)
1 |
1,871
|
2,465
|
1,931
|
3,156
|
3,169
|
3,655
|
3,756
|
4,395
|
Net income
1 |
1,532
|
1,969
|
1,255
|
2,589
|
2,564
|
2,831
|
3,032
|
3,512
|
Net margin
|
13.91%
|
17.79%
|
10.29%
|
20.75%
|
19.17%
|
18.06%
|
19.51%
|
21.89%
|
EPS
2 |
6.370
|
8.450
|
5.550
|
12.14
|
12.51
|
14.01
|
15.84
|
18.86
|
Free Cash Flow
1 |
1,610
|
2,642
|
2,045
|
3,023
|
3,183
|
3,033
|
3,549
|
3,825
|
FCF margin
|
14.62%
|
23.87%
|
16.77%
|
24.22%
|
23.8%
|
19.35%
|
22.83%
|
23.85%
|
FCF Conversion (EBITDA)
|
50.36%
|
79.36%
|
53.09%
|
75.75%
|
73.31%
|
-
|
70.74%
|
73.48%
|
FCF Conversion (Net income)
|
105.09%
|
134.18%
|
162.95%
|
116.76%
|
124.14%
|
107.14%
|
117.03%
|
108.91%
|
Dividend per Share
2 |
1.720
|
1.780
|
1.990
|
2.190
|
2.410
|
2.640
|
2.771
|
2.945
|
Announcement Date
|
1/31/20
|
2/5/21
|
2/4/22
|
2/3/23
|
2/2/24
|
-
|
-
|
-
|
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 |
2,702
|
3,080
|
3,670
|
2,983
|
2,696
|
3,130
|
3,871
|
3,177
|
2,953
|
3,375
|
4,070
|
3,668
|
3,661
|
4,161
|
4,352
|
EBITDA
1 |
654
|
1,050
|
1,433
|
823
|
661
|
1,074
|
1,536
|
906
|
759
|
1,189
|
1,659
|
968.6
|
804.4
|
1,259
|
1,744
|
EBIT
1 |
598
|
1,009
|
1,395
|
783
|
624
|
1,038
|
1,498
|
867
|
717
|
1,141
|
1,615
|
1,015
|
891.8
|
1,355
|
1,736
|
Operating Margin
|
22.13%
|
32.76%
|
38.01%
|
26.25%
|
23.15%
|
33.16%
|
38.7%
|
27.29%
|
24.28%
|
33.81%
|
39.68%
|
27.66%
|
24.36%
|
32.57%
|
39.89%
|
Earnings before Tax (EBT)
1 |
-868
|
1,036
|
1,304
|
633
|
510
|
709
|
1,342
|
658
|
560
|
609
|
1,424
|
715.1
|
537.2
|
972.9
|
1,490
|
Net income
1 |
-900
|
863
|
1,023
|
501
|
408
|
657
|
1,050
|
560
|
456
|
498
|
1,071
|
515.9
|
397.9
|
754.3
|
1,162
|
Net margin
|
-33.31%
|
28.02%
|
27.87%
|
16.8%
|
15.13%
|
20.99%
|
27.12%
|
17.63%
|
15.44%
|
14.76%
|
26.31%
|
14.06%
|
10.87%
|
18.13%
|
26.7%
|
EPS
2 |
-3.990
|
3.900
|
4.730
|
2.330
|
1.920
|
3.140
|
5.070
|
2.710
|
2.230
|
2.470
|
5.350
|
2.665
|
1.838
|
3.896
|
6.029
|
Dividend per Share
2 |
0.5100
|
0.5100
|
0.5100
|
0.5600
|
0.5600
|
-
|
0.5600
|
0.6150
|
0.6150
|
0.6150
|
0.6183
|
0.6800
|
0.6800
|
0.6800
|
0.6950
|
Announcement Date
|
10/29/21
|
2/4/22
|
4/29/22
|
7/29/22
|
10/28/22
|
2/3/23
|
4/28/23
|
7/28/23
|
10/27/23
|
2/2/24
|
4/26/24
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
1 |
6,549
|
6,537
|
8,556
|
9,628
|
10,052
|
10,451
|
10,245
|
9,889
|
Net Cash position
1 |
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
2.048
x
|
1.964
x
|
2.221
x
|
2.412
x
|
2.315
x
|
-
|
2.042
x
|
1.9
x
|
Free Cash Flow
1 |
1,610
|
2,642
|
2,045
|
3,023
|
3,183
|
3,033
|
3,549
|
3,825
|
ROE (net income / shareholders' equity)
|
72.5%
|
66.6%
|
119%
|
1,073%
|
-
|
90.3%
|
51.8%
|
-
|
ROA (Net income/ Total Assets)
|
6.7%
|
-
|
3.92%
|
8.01%
|
8.7%
|
8.6%
|
8.9%
|
9%
|
Assets
1 |
22,856
|
-
|
32,015
|
32,310
|
29,467
|
32,917
|
34,072
|
39,024
|
Book Value Per Share
2 |
14.50
|
15.50
|
4.940
|
-2.580
|
-4.160
|
-5.570
|
-3.120
|
1.350
|
Cash Flow per Share
2 |
-
|
-
|
9.650
|
15.10
|
16.80
|
16.10
|
17.50
|
-
|
Capex
1 |
225
|
141
|
137
|
196
|
252
|
224
|
244
|
262
|
Capex / Sales
|
2.04%
|
1.27%
|
1.12%
|
1.57%
|
1.88%
|
1.43%
|
1.57%
|
1.63%
|
Announcement Date
|
1/31/20
|
2/5/21
|
2/4/22
|
2/3/23
|
2/2/24
|
-
|
-
|
-
|
Average target price
336.7
USD Spread / Average Target +18.14% Consensus |
1st Jan change
|
Capi.
|
---|
| -2.06% | 56.57B | | +4.10% | 51.16B | | +4.04% | 25.66B | | +14.55% | 23.24B | | +26.59% | 9.56B | | +13.76% | 5.81B | | -4.12% | 4.02B | | +1.30% | 1.99B | | +11.16% | 1.76B | | -26.78% | 1.4B |
Insurance Brokers
|