Market Closed -
Nyse
04:00:02 2024-05-31 pm EDT
|
5-day change
|
1st Jan Change
|
7.37
USD
|
-0.54%
|
|
+1.52%
|
+3.08%
|
Fiscal Period: December |
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
594.2
|
306.4
|
669.6
|
704.4
|
-
|
-
|
Enterprise Value (EV)
1 |
594.2
|
306.4
|
669.6
|
704.4
|
704.4
|
704.4
|
P/E ratio
|
8.97
x
|
7.36
x
|
-51.1
x
|
20.6
x
|
17.4
x
|
13.9
x
|
Yield
|
6.76%
|
12.1%
|
5.59%
|
5.43%
|
5.43%
|
5.43%
|
Capitalization / Revenue
|
0.2
x
|
0.13
x
|
0.51
x
|
0.32
x
|
0.28
x
|
0.29
x
|
EV / Revenue
|
0.2
x
|
0.13
x
|
0.51
x
|
0.32
x
|
0.28
x
|
0.29
x
|
EV / EBITDA
|
0.42
x
|
1.09
x
|
1.4
x
|
1.02
x
|
0.66
x
|
-
|
EV / FCF
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Yield
|
-
|
-
|
-
|
-
|
-
|
-
|
Price to Book
|
2.99
x
|
1.66
x
|
4.61
x
|
5.19
x
|
4.82
x
|
4.1
x
|
Nbr of stocks (in thousands)
|
100,367
|
92,576
|
93,654
|
95,578
|
-
|
-
|
Reference price
2 |
5.920
|
3.310
|
7.150
|
7.370
|
7.370
|
7.370
|
Announcement Date
|
3/1/22
|
3/1/23
|
2/28/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
1,278
|
2,970
|
2,373
|
1,311
|
2,198
|
2,547
|
2,455
|
EBITDA
1 |
-
|
1,418
|
282.4
|
478.3
|
693.9
|
1,059
|
-
|
EBIT
1 |
-
|
1,883
|
1,241
|
244
|
705.4
|
1,028
|
1,572
|
Operating Margin
|
-
|
63.39%
|
52.29%
|
18.6%
|
32.09%
|
40.37%
|
64.04%
|
Earnings before Tax (EBT)
1 |
-
|
1,578
|
934.7
|
-76.29
|
640.4
|
859.7
|
-
|
Net income
1 |
415.1
|
98.44
|
41.72
|
-13.23
|
33.27
|
44.33
|
-
|
Net margin
|
32.47%
|
3.31%
|
1.76%
|
-1.01%
|
1.51%
|
1.74%
|
-
|
EPS
2 |
-
|
0.6600
|
0.4500
|
-0.1400
|
0.3577
|
0.4226
|
0.5300
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF margin
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Dividend per Share
2 |
-
|
0.4000
|
0.4000
|
0.4000
|
0.4000
|
0.4000
|
0.4000
|
Announcement Date
|
10/2/20
|
3/1/22
|
3/1/23
|
2/28/24
|
-
|
-
|
-
|
Fiscal Period: December |
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
|
2025 Q2
|
---|
Net sales
1 |
605.5
|
821.8
|
564.2
|
684.2
|
302.4
|
161.3
|
587.5
|
677.1
|
-114.6
|
570
|
539.7
|
605.6
|
592.3
|
508.9
|
556.7
|
EBITDA
1 |
206.9
|
128.4
|
94.99
|
-1.392
|
60.39
|
141
|
125.4
|
112.1
|
99.57
|
101.5
|
177.7
|
226.4
|
188.6
|
237.3
|
273.3
|
EBIT
1 |
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
129
|
139
|
147
|
135
|
176
|
Operating Margin
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
23.9%
|
22.95%
|
24.82%
|
26.53%
|
31.62%
|
Earnings before Tax (EBT)
1 |
231.8
|
457.3
|
216.2
|
330.4
|
-69.26
|
-139.6
|
230
|
301.7
|
-468.4
|
184.3
|
139.9
|
178.2
|
164.3
|
181.2
|
226.7
|
Net income
1 |
16.95
|
21.93
|
8.366
|
11.7
|
-0.277
|
-11.94
|
7.558
|
18.23
|
-27.08
|
8.73
|
7.4
|
9.333
|
7.967
|
9.4
|
12.25
|
Net margin
|
2.8%
|
2.67%
|
1.48%
|
1.71%
|
-0.09%
|
-7.4%
|
1.29%
|
2.69%
|
23.63%
|
1.53%
|
1.37%
|
1.54%
|
1.35%
|
1.85%
|
2.2%
|
EPS
2 |
0.1100
|
0.2200
|
0.0900
|
0.1300
|
-
|
-0.1300
|
0.0800
|
0.1500
|
-0.2900
|
0.0900
|
0.0780
|
0.0842
|
0.0717
|
0.0820
|
0.1112
|
Dividend per Share
2 |
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
Announcement Date
|
3/1/22
|
5/10/22
|
8/9/22
|
11/4/22
|
3/1/23
|
5/10/23
|
8/9/23
|
11/8/23
|
2/28/24
|
5/9/24
|
-
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Net Cash position
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
ROE (net income / shareholders' equity)
|
-
|
43.5%
|
22.7%
|
-2.02%
|
12.8%
|
22.7%
|
32.9%
|
ROA (Net income/ Total Assets)
|
-
|
7.09%
|
3.98%
|
-
|
-
|
-
|
-
|
Assets
1 |
-
|
1,389
|
1,047
|
-
|
-
|
-
|
-
|
Book Value Per Share
2 |
-
|
1.980
|
1.990
|
1.550
|
1.420
|
1.530
|
1.800
|
Cash Flow per Share
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex / Sales
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
10/2/20
|
3/1/22
|
3/1/23
|
2/28/24
|
-
|
-
|
-
|
Last Close Price
7.37
USD Average target price
6.6
USD Spread / Average Target -10.45% Consensus |
1st Jan change
|
Capi.
|
---|
| +3.08% | 704M | | -5.56% | 49.6B | | -6.36% | 29.44B | | +47.82% | 26.21B | | +31.10% | 25.04B | | +14.69% | 17.59B | | +2.21% | 12.48B | | +22.38% | 10.59B | | +15.77% | 8.1B | | -30.65% | 7.29B |
Other Consumer Lending
|