Market Closed -
Nyse
04:00:02 2024-04-26 pm EDT
|
5-day change
|
1st Jan Change
|
26.42
USD
|
+0.61%
|
|
+4.84%
|
+5.34%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
---|
Capitalization
1 |
331.1
|
338.5
|
569.5
|
269.2
|
246.7
|
260.7
|
-
|
Enterprise Value (EV)
1 |
331.1
|
338.5
|
569.5
|
269.2
|
246.7
|
260.7
|
260.7
|
P/E ratio
|
7.9
x
|
12.4
x
|
6.9
x
|
5.3
x
|
15.1
x
|
6.75
x
|
4.25
x
|
Yield
|
-
|
0.67%
|
1.65%
|
4.27%
|
4.78%
|
4.54%
|
4.54%
|
Capitalization / Revenue
|
0.93
x
|
0.91
x
|
1.33
x
|
0.53
x
|
0.45
x
|
0.45
x
|
0.42
x
|
EV / Revenue
|
0.93
x
|
0.91
x
|
1.33
x
|
0.53
x
|
0.45
x
|
0.45
x
|
0.42
x
|
EV / EBITDA
|
-
|
-
|
3,663,168
x
|
2,359,432
x
|
-
|
-
|
-
|
EV / FCF
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Yield
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Price to Book
|
1.09
x
|
1.2
x
|
1.99
x
|
0.87
x
|
0.76
x
|
0.73
x
|
0.65
x
|
Nbr of stocks (in thousands)
|
11,027
|
11,336
|
9,912
|
9,586
|
9,835
|
9,868
|
-
|
Reference price
2 |
30.03
|
29.86
|
57.46
|
28.08
|
25.08
|
26.42
|
26.42
|
Announcement Date
|
2/25/20
|
2/10/21
|
2/9/22
|
2/8/23
|
2/7/24
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
---|
Net sales
1 |
355.7
|
373.9
|
428.4
|
507.2
|
551.4
|
583.3
|
627.8
|
EBITDA
|
-
|
-
|
155.5
|
114.1
|
-
|
-
|
-
|
EBIT
1 |
99.12
|
73.78
|
143.8
|
101.4
|
88.25
|
129.6
|
156.5
|
Operating Margin
|
27.86%
|
19.73%
|
33.58%
|
19.99%
|
16%
|
22.22%
|
24.93%
|
Earnings before Tax (EBT)
1 |
58.99
|
35.93
|
112.5
|
65.32
|
20.78
|
49.6
|
78.2
|
Net income
1 |
44.73
|
26.73
|
88.69
|
51.22
|
15.96
|
37.43
|
59.45
|
Net margin
|
12.58%
|
7.15%
|
20.7%
|
10.1%
|
2.89%
|
6.42%
|
9.47%
|
EPS
2 |
3.800
|
2.400
|
8.330
|
5.300
|
1.660
|
3.915
|
6.213
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF margin
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Dividend per Share
2 |
-
|
0.2000
|
0.9500
|
1.200
|
1.200
|
1.200
|
1.200
|
Announcement Date
|
2/25/20
|
2/10/21
|
2/9/22
|
2/8/23
|
2/7/24
|
-
|
-
|
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 |
111.5
|
119.5
|
120.8
|
122.9
|
131.5
|
132
|
135.4
|
133.5
|
140.9
|
141.7
|
140
|
142.5
|
147.9
|
152.8
|
153
|
EBITDA
|
-
|
36.13
|
38.13
|
26.35
|
-
|
-
|
-
|
27.6
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
37.61
|
32.94
|
34.89
|
23.35
|
25.22
|
17.94
|
28.39
|
24.04
|
27.84
|
7.978
|
29.59
|
31.25
|
34.13
|
34.61
|
39.92
|
Operating Margin
|
33.75%
|
27.57%
|
28.87%
|
19%
|
19.18%
|
13.59%
|
20.97%
|
18.01%
|
19.76%
|
5.63%
|
21.13%
|
21.93%
|
23.08%
|
22.64%
|
26.1%
|
Earnings before Tax (EBT)
1 |
28.8
|
25.35
|
34.95
|
15.79
|
13.35
|
1.232
|
11.6
|
7.813
|
10.9
|
-9.532
|
11.05
|
13.5
|
13.87
|
11.18
|
18.8
|
Net income
1 |
22.22
|
20.78
|
26.78
|
11.98
|
10.07
|
2.391
|
8.689
|
6.023
|
8.82
|
-7.574
|
8.372
|
10.15
|
10.15
|
8.775
|
14.29
|
Net margin
|
19.94%
|
17.39%
|
22.16%
|
9.75%
|
7.66%
|
1.81%
|
6.42%
|
4.51%
|
6.26%
|
-5.35%
|
5.98%
|
7.12%
|
6.87%
|
5.74%
|
9.34%
|
EPS
2 |
2.110
|
2.040
|
2.670
|
1.240
|
1.060
|
0.2500
|
0.9000
|
0.6300
|
0.9100
|
-0.8000
|
0.8750
|
1.060
|
1.062
|
0.9175
|
1.520
|
Dividend per Share
2 |
0.2500
|
0.2500
|
0.3000
|
0.3000
|
0.3000
|
0.3000
|
0.3000
|
0.3000
|
-
|
0.3000
|
0.3000
|
0.3000
|
0.3000
|
0.3000
|
0.3000
|
Announcement Date
|
11/2/21
|
2/9/22
|
5/4/22
|
8/3/22
|
11/1/22
|
2/8/23
|
5/3/23
|
8/2/23
|
11/1/23
|
2/7/24
|
-
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
---|
Net Debt
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Net Cash position
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
ROE (net income / shareholders' equity)
|
15.4%
|
10%
|
31.6%
|
17.3%
|
5%
|
11%
|
15.6%
|
ROA (Net income/ Total Assets)
|
4.3%
|
2.5%
|
7.2%
|
3.22%
|
0.9%
|
1.93%
|
2.85%
|
Assets
1 |
1,040
|
1,069
|
1,232
|
1,592
|
1,773
|
1,936
|
2,086
|
Book Value Per Share
2 |
27.50
|
24.90
|
28.90
|
32.40
|
33.00
|
36.10
|
40.70
|
Cash Flow per Share
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex / Sales
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
2/25/20
|
2/10/21
|
2/9/22
|
2/8/23
|
2/7/24
|
-
|
-
|
Last Close Price
26.42
USD Average target price
28.67
USD Spread / Average Target +8.50% Consensus |
1st Jan change
|
Capi.
|
---|
| +5.34% | 261M | | -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
|