Market Closed -
Nasdaq
04:00:00 2024-04-26 pm EDT
|
5-day change
|
1st Jan Change
|
78.73
USD
|
-0.04%
|
|
+1.52%
|
+20.90%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
1,140
|
2,819
|
3,126
|
2,832
|
4,289
|
5,095
|
-
|
-
|
Enterprise Value (EV)
1 |
1,140
|
2,819
|
3,126
|
2,832
|
4,289
|
5,095
|
5,095
|
5,095
|
P/E ratio
|
4.24
x
|
9.7
x
|
2.52
x
|
3.21
x
|
8.92
x
|
7.76
x
|
6.83
x
|
5.26
x
|
Yield
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capitalization / Revenue
|
0.57
x
|
1.03
x
|
0.94
x
|
1.15
x
|
2.39
x
|
2.25
x
|
2.05
x
|
1.78
x
|
EV / Revenue
|
0.57
x
|
1.03
x
|
0.94
x
|
1.15
x
|
2.39
x
|
2.25
x
|
2.05
x
|
1.78
x
|
EV / EBITDA
|
-
|
2.3
x
|
2.39
x
|
4.67
x
|
3.38
x
|
2.85
x
|
2.29
x
|
1.95
x
|
EV / FCF
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Yield
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Price to Book
|
0.51
x
|
1.11
x
|
0.91
x
|
0.69
x
|
0.98
x
|
1.04
x
|
0.89
x
|
0.75
x
|
Nbr of stocks (in thousands)
|
91,087
|
90,854
|
75,123
|
70,565
|
65,860
|
64,721
|
-
|
-
|
Reference price
2 |
12.51
|
31.03
|
41.61
|
40.13
|
65.12
|
78.73
|
78.73
|
78.73
|
Announcement Date
|
2/25/20
|
2/23/21
|
2/11/22
|
2/10/23
|
2/9/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
2,007
|
2,733
|
3,318
|
2,464
|
1,794
|
2,260
|
2,488
|
2,859
|
EBITDA
1 |
-
|
1,228
|
1,310
|
607
|
1,270
|
1,790
|
2,228
|
2,614
|
EBIT
1 |
462
|
902
|
1,656
|
1,190
|
622
|
931.9
|
1,066
|
-
|
Operating Margin
|
23.02%
|
33%
|
49.91%
|
48.3%
|
34.67%
|
41.24%
|
42.86%
|
-
|
Earnings before Tax (EBT)
1 |
-3
|
399
|
1,937
|
1,214
|
654
|
880.4
|
974.6
|
1,220
|
Net income
1 |
272
|
302
|
1,418
|
923
|
500
|
672.1
|
739.5
|
925
|
Net margin
|
13.55%
|
11.05%
|
42.74%
|
37.46%
|
27.87%
|
29.74%
|
29.72%
|
32.35%
|
EPS
2 |
2.950
|
3.200
|
16.53
|
12.50
|
7.300
|
10.14
|
11.52
|
14.98
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF margin
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Dividend per Share
2 |
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
2/25/20
|
2/23/21
|
2/11/22
|
2/10/23
|
2/9/24
|
-
|
-
|
-
|
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 |
625
|
1,052
|
599
|
510
|
303
|
330
|
486
|
574
|
404
|
564
|
554.8
|
573.8
|
576.3
|
597.2
|
615.5
|
EBITDA
1 |
215
|
153
|
148
|
156
|
183
|
229
|
281
|
283
|
235
|
-
|
446.4
|
466
|
498.5
|
510.7
|
533.8
|
EBIT
1 |
244
|
714
|
271
|
194
|
11
|
69
|
208
|
273
|
72
|
247
|
222.7
|
235.7
|
226.5
|
-
|
-
|
Operating Margin
|
39.04%
|
67.87%
|
45.24%
|
38.04%
|
3.63%
|
20.91%
|
42.8%
|
47.56%
|
17.82%
|
43.79%
|
40.14%
|
41.08%
|
39.31%
|
-
|
-
|
Earnings before Tax (EBT)
1 |
231
|
866
|
205
|
153
|
-10
|
35
|
198
|
352
|
69
|
232
|
216.8
|
215.3
|
216.5
|
240
|
231.5
|
Net income
1 |
155
|
658
|
151
|
113
|
1
|
37
|
142
|
275
|
46
|
181
|
164.4
|
162.9
|
163.7
|
181.5
|
174.6
|
Net margin
|
24.8%
|
62.55%
|
25.21%
|
22.16%
|
0.33%
|
11.21%
|
29.22%
|
47.91%
|
11.39%
|
32.09%
|
29.63%
|
28.39%
|
28.41%
|
30.39%
|
28.37%
|
EPS
2 |
2.010
|
8.590
|
2.030
|
1.550
|
0.0100
|
0.5200
|
2.070
|
4.060
|
0.6900
|
2.730
|
2.445
|
2.472
|
2.497
|
2.687
|
2.785
|
Dividend per Share
2 |
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
2/11/22
|
4/28/22
|
7/27/22
|
10/26/22
|
2/10/23
|
4/26/23
|
7/26/23
|
10/25/23
|
2/9/24
|
4/24/24
|
-
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Net Cash position
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
ROE (net income / shareholders' equity)
|
16.8%
|
37%
|
26%
|
5.12%
|
12%
|
14%
|
15.2%
|
16%
|
ROA (Net income/ Total Assets)
|
1.98%
|
4.12%
|
-
|
1.48%
|
-
|
-
|
-
|
-
|
Assets
1 |
13,708
|
7,329
|
-
|
62,159
|
-
|
-
|
-
|
-
|
Book Value Per Share
2 |
24.50
|
28.00
|
45.60
|
58.60
|
66.30
|
76.00
|
88.80
|
105.0
|
Cash Flow per Share
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex / Sales
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
2/25/20
|
2/23/21
|
2/11/22
|
2/10/23
|
2/9/24
|
-
|
-
|
-
|
Last Close Price
78.73
USD Average target price
93.25
USD Spread / Average Target +18.44% Consensus |
1st Jan change
|
Capi.
|
---|
| +20.90% | 5.1B | | -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
|