Real-time Estimate
Cboe BZX
11:16:33 2024-04-29 am EDT
|
5-day change
|
1st Jan Change
|
43.73
USD
|
+2.05%
|
|
-0.87%
|
-5.25%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
---|
Capitalization
1 |
2,294
|
2,262
|
2,384
|
2,792
|
2,789
|
2,575
|
-
|
Enterprise Value (EV)
1 |
2,294
|
2,262
|
2,384
|
2,792
|
2,789
|
2,575
|
2,575
|
P/E ratio
|
14.7
x
|
19.8
x
|
8.81
x
|
13
x
|
10.4
x
|
10.1
x
|
10
x
|
Yield
|
1.07%
|
1.07%
|
1.04%
|
1.24%
|
1.31%
|
1.45%
|
1.49%
|
Capitalization / Revenue
|
5.16
x
|
4.85
x
|
5.5
x
|
4.21
x
|
2.75
x
|
2.5
x
|
2.49
x
|
EV / Revenue
|
5.16
x
|
4.85
x
|
5.5
x
|
4.21
x
|
2.75
x
|
2.5
x
|
2.49
x
|
EV / EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EV / FCF
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Yield
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Price to Book
|
1.23
x
|
1.2
x
|
1.23
x
|
1.27
x
|
1.12
x
|
0.97
x
|
0.85
x
|
Nbr of stocks (in thousands)
|
52,149
|
50,402
|
47,568
|
61,587
|
60,732
|
60,084
|
-
|
Reference price
2 |
43.99
|
44.88
|
50.12
|
45.34
|
45.93
|
42.85
|
42.85
|
Announcement Date
|
1/21/20
|
1/25/21
|
1/24/22
|
1/26/23
|
1/25/24
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
---|
Net sales
1 |
444.9
|
466
|
433.6
|
662.9
|
1,015
|
1,030
|
1,033
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
266
|
276.4
|
236
|
410.8
|
456.7
|
421.5
|
406
|
Operating Margin
|
59.78%
|
59.31%
|
54.41%
|
61.97%
|
45%
|
40.92%
|
39.31%
|
Earnings before Tax (EBT)
1 |
194.4
|
145
|
357.7
|
300.6
|
365.3
|
344.4
|
335
|
Net income
1 |
148.8
|
114.8
|
271.4
|
222.4
|
269.2
|
257.6
|
252.3
|
Net margin
|
33.44%
|
24.63%
|
62.59%
|
33.55%
|
26.52%
|
25.01%
|
24.43%
|
EPS
2 |
3.000
|
2.270
|
5.690
|
3.490
|
4.400
|
4.230
|
4.278
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF margin
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Dividend per Share
2 |
0.4700
|
0.4800
|
0.5200
|
0.5600
|
0.6000
|
0.6200
|
0.6400
|
Announcement Date
|
1/21/20
|
1/25/21
|
1/24/22
|
1/26/23
|
1/25/24
|
-
|
-
|
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 |
104.5
|
108.2
|
138.6
|
153.6
|
176.8
|
193.9
|
245.7
|
248.7
|
255.3
|
265.3
|
251.1
|
251.3
|
253.8
|
255
|
250.6
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
53.53
|
55.58
|
76.23
|
95.93
|
111.4
|
127.2
|
113.2
|
110.8
|
116.4
|
116.4
|
102.1
|
103.9
|
106.5
|
107
|
98.78
|
Operating Margin
|
51.23%
|
51.35%
|
55.02%
|
62.45%
|
63.02%
|
65.61%
|
46.06%
|
44.54%
|
45.62%
|
43.86%
|
40.64%
|
41.32%
|
41.96%
|
41.96%
|
39.42%
|
Earnings before Tax (EBT)
1 |
71.97
|
71.89
|
5.704
|
83.33
|
99.11
|
112.5
|
83.6
|
91.63
|
97.17
|
92.87
|
86.92
|
84.66
|
83.76
|
82.58
|
79.97
|
Net income
1 |
54.41
|
56.29
|
3.804
|
60.74
|
73.38
|
84.45
|
62.4
|
68.68
|
74.17
|
63.91
|
65.76
|
63.48
|
62.81
|
61.92
|
60.24
|
Net margin
|
52.07%
|
52.01%
|
2.75%
|
39.54%
|
41.5%
|
43.56%
|
25.4%
|
27.61%
|
29.05%
|
24.09%
|
26.19%
|
25.26%
|
24.75%
|
24.28%
|
24.04%
|
EPS
2 |
1.140
|
1.180
|
0.0600
|
0.9400
|
1.160
|
1.370
|
1.010
|
1.120
|
1.220
|
1.050
|
1.090
|
1.055
|
1.050
|
1.035
|
1.012
|
Dividend per Share
2 |
0.1300
|
0.1300
|
0.1300
|
0.1500
|
0.1500
|
0.1500
|
0.1500
|
0.1500
|
0.1500
|
0.1500
|
0.1500
|
0.1500
|
0.1600
|
0.1600
|
0.1600
|
Announcement Date
|
10/21/21
|
1/24/22
|
4/21/22
|
7/25/22
|
10/24/22
|
1/26/23
|
4/24/23
|
7/24/23
|
10/23/23
|
1/25/24
|
4/25/24
|
-
|
-
|
-
|
-
|
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)
|
8.91%
|
6.25%
|
14.7%
|
9.3%
|
11.7%
|
10.3%
|
8.98%
|
ROA (Net income/ Total Assets)
|
1.3%
|
0.87%
|
1.82%
|
1.09%
|
1.33%
|
1.22%
|
1.19%
|
Assets
1 |
11,447
|
13,192
|
14,914
|
20,401
|
20,237
|
21,185
|
21,167
|
Book Value Per Share
2 |
35.90
|
37.50
|
40.70
|
35.80
|
40.90
|
44.00
|
50.20
|
Cash Flow per Share
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex / Sales
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
1/21/20
|
1/25/21
|
1/24/22
|
1/26/23
|
1/25/24
|
-
|
-
|
Last Close Price
42.85
USD Average target price
52.1
USD Spread / Average Target +21.59% Consensus |
1st Jan change
|
Capi.
|
---|
| -5.25% | 2.57B | | -9.13% | 83.84B | | -13.56% | 18.91B | | +10.53% | 13.78B | | +42.99% | 8.38B | | -13.66% | 6.22B | | -1.93% | 4.43B | | +24.39% | 4.36B | | -15.36% | 3.13B | | -21.49% | 2.55B |
Retail & Mortgage Banks
|