Market Closed -
Nyse
04:00:02 2024-04-26 pm EDT
|
5-day change
|
1st Jan Change
|
95.3
USD
|
-3.82%
|
|
-3.69%
|
+18.56%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
21,903
|
17,551
|
23,498
|
24,121
|
24,176
|
28,185
|
-
|
-
|
Enterprise Value (EV)
1 |
26,566
|
21,752
|
28,237
|
24,121
|
28,412
|
32,882
|
32,881
|
32,882
|
P/E ratio
|
10.7
x
|
10.3
x
|
10.4
x
|
13.9
x
|
10.1
x
|
9.27
x
|
8.27
x
|
7.21
x
|
Yield
|
2.02%
|
2.65%
|
2.08%
|
2.08%
|
2.18%
|
2.02%
|
2.1%
|
2.19%
|
Capitalization / Revenue
|
1.06
x
|
0.86
x
|
1.05
x
|
1.08
x
|
0.99
x
|
1.06
x
|
1
x
|
0.96
x
|
EV / Revenue
|
1.28
x
|
1.06
x
|
1.26
x
|
1.08
x
|
1.16
x
|
1.24
x
|
1.17
x
|
1.12
x
|
EV / EBITDA
|
-
|
-
|
-
|
-
|
6.83
x
|
7.09
x
|
6.64
x
|
-
|
EV / FCF
|
-
|
-
|
-
|
-
|
7.09
x
|
5.86
x
|
5.75
x
|
-
|
FCF Yield
|
-
|
-
|
-
|
-
|
14.1%
|
17.1%
|
17.4%
|
-
|
Price to Book
|
1.39
x
|
0.97
x
|
1.34
x
|
1.83
x
|
1.63
x
|
1.73
x
|
1.51
x
|
1.32
x
|
Nbr of stocks (in thousands)
|
360,421
|
358,330
|
340,353
|
318,099
|
300,770
|
295,755
|
-
|
-
|
Reference price
2 |
60.77
|
48.98
|
69.04
|
75.83
|
80.38
|
95.30
|
95.30
|
95.30
|
Announcement Date
|
2/3/20
|
2/4/21
|
2/3/22
|
2/2/23
|
2/1/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
20,740
|
20,523
|
22,390
|
22,362
|
24,527
|
26,615
|
28,142
|
29,336
|
EBITDA
1 |
-
|
-
|
-
|
-
|
4,157
|
4,636
|
4,954
|
-
|
EBIT
1 |
2,815
|
2,356
|
2,930
|
3,369
|
3,647
|
4,042
|
4,328
|
4,672
|
Operating Margin
|
13.57%
|
11.48%
|
13.09%
|
15.07%
|
14.87%
|
15.19%
|
15.38%
|
15.93%
|
Earnings before Tax (EBT)
1 |
2,560
|
2,120
|
2,896
|
2,258
|
3,088
|
3,479
|
3,720
|
4,379
|
Net income
1 |
2,064
|
1,716
|
2,344
|
1,794
|
2,483
|
3,044
|
3,229
|
3,439
|
Net margin
|
9.95%
|
8.36%
|
10.47%
|
8.02%
|
10.12%
|
11.44%
|
11.47%
|
11.72%
|
EPS
2 |
5.660
|
4.760
|
6.620
|
5.440
|
7.970
|
10.28
|
11.52
|
13.21
|
Free Cash Flow
1 |
-
|
-
|
-
|
-
|
4,005
|
5,616
|
5,715
|
-
|
FCF margin
|
-
|
-
|
-
|
-
|
16.33%
|
21.1%
|
20.31%
|
-
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
96.34%
|
121.14%
|
115.35%
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
-
|
161.3%
|
184.48%
|
176.98%
|
-
|
Dividend per Share
2 |
1.225
|
1.300
|
1.435
|
1.580
|
1.750
|
1.923
|
1.999
|
2.084
|
Announcement Date
|
2/3/20
|
2/4/21
|
2/3/22
|
2/2/23
|
2/1/24
|
-
|
-
|
-
|
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 |
5,816
|
5,393
|
5,373
|
5,580
|
6,016
|
5,910
|
6,049
|
6,168
|
6,400
|
6,419
|
6,621
|
6,704
|
6,847
|
6,901
|
6,983
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
930
|
761
|
956
|
655
|
997
|
712
|
780
|
942
|
1,213
|
910
|
996.1
|
1,040
|
1,032
|
-
|
-
|
Operating Margin
|
15.99%
|
14.11%
|
17.79%
|
11.74%
|
16.57%
|
12.05%
|
12.89%
|
15.27%
|
18.95%
|
14.18%
|
15.04%
|
15.51%
|
15.08%
|
-
|
-
|
Earnings before Tax (EBT)
1 |
900
|
543
|
552
|
431
|
732
|
653
|
672
|
813
|
950
|
911
|
687
|
742
|
835
|
876
|
803.5
|
Net income
1 |
724
|
440
|
437
|
333
|
584
|
530
|
542
|
645
|
766
|
748
|
751.6
|
752.2
|
758.6
|
776.2
|
791.3
|
Net margin
|
12.45%
|
8.16%
|
8.13%
|
5.97%
|
9.71%
|
8.97%
|
8.96%
|
10.46%
|
11.97%
|
11.65%
|
11.35%
|
11.22%
|
11.08%
|
11.25%
|
11.33%
|
EPS
2 |
2.100
|
1.300
|
1.320
|
1.020
|
1.810
|
1.660
|
1.730
|
2.090
|
2.510
|
2.470
|
2.511
|
2.564
|
2.667
|
2.743
|
2.859
|
Dividend per Share
2 |
0.3850
|
0.3850
|
0.3850
|
0.3850
|
0.4250
|
0.4250
|
0.4250
|
0.4250
|
0.4750
|
-
|
0.4596
|
0.4638
|
0.4902
|
0.4800
|
0.4800
|
Announcement Date
|
2/3/22
|
4/28/22
|
7/28/22
|
10/27/22
|
2/2/23
|
4/27/23
|
7/27/23
|
10/26/23
|
2/1/24
|
4/25/24
|
-
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
1 |
4,663
|
4,201
|
4,739
|
-
|
4,236
|
4,697
|
4,696
|
4,697
|
Net Cash position
1 |
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
-
|
-
|
-
|
-
|
1.019
x
|
1.013
x
|
0.9479
x
|
-
|
Free Cash Flow
1 |
-
|
-
|
-
|
-
|
4,005
|
5,616
|
5,715
|
-
|
ROE (net income / shareholders' equity)
|
13.6%
|
12%
|
12%
|
14.4%
|
15.8%
|
16.9%
|
16.7%
|
16.6%
|
ROA (Net income/ Total Assets)
|
-
|
-
|
2.89%
|
13.3%
|
13%
|
-
|
20.2%
|
-
|
Assets
1 |
-
|
-
|
81,088
|
13,489
|
19,100
|
-
|
15,986
|
-
|
Book Value Per Share
2 |
43.90
|
50.40
|
51.40
|
41.50
|
49.40
|
55.10
|
63.10
|
72.20
|
Cash Flow per Share
|
-
|
10.70
|
11.60
|
12.20
|
-
|
-
|
-
|
-
|
Capex
1 |
-
|
-
|
-
|
-
|
215
|
207
|
216
|
-
|
Capex / Sales
|
-
|
-
|
-
|
-
|
0.88%
|
0.78%
|
0.77%
|
-
|
Announcement Date
|
2/3/20
|
2/4/21
|
2/3/22
|
2/2/23
|
2/1/24
|
-
|
-
|
-
|
Last Close Price
95.3
USD Average target price
108.7
USD Spread / Average Target +14.07% Consensus |
1st Jan change
|
Capi.
|
---|
| +18.56% | 28.19B | | +9.73% | 110B | | +8.61% | 99.66B | | +4.48% | 97.53B | | +0.07% | 69.25B | | +10.29% | 19.64B | | -4.64% | 12.38B | | +8.95% | 10.98B | | +8.55% | 10.43B | | +19.19% | 10B |
Other Multiline Insurance & Brokers
|