Market Closed -
Nyse
04:00:01 2024-05-10 pm EDT
|
5-day change
|
1st Jan Change
|
23.16
USD
|
0.00%
|
|
+3.58%
|
-6.73%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
---|
Capitalization
1 |
1,627
|
861.1
|
1,363
|
1,325
|
1,065
|
985.2
|
-
|
Enterprise Value (EV)
1 |
1,627
|
861.1
|
1,363
|
1,325
|
1,065
|
985.2
|
985.2
|
P/E ratio
|
16.6
x
|
-1.62
x
|
11.9
x
|
14.8
x
|
15.5
x
|
18.5
x
|
9.53
x
|
Yield
|
2.8%
|
4.21%
|
1.69%
|
1.81%
|
2.9%
|
3.15%
|
3.17%
|
Capitalization / Revenue
|
3.62
x
|
2.25
x
|
3.14
x
|
3.19
x
|
2.44
x
|
2.44
x
|
2.21
x
|
EV / Revenue
|
3.62
x
|
2.25
x
|
3.14
x
|
3.19
x
|
2.44
x
|
2.44
x
|
2.21
x
|
EV / EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EV / FCF
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Yield
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Price to Book
|
0.95
x
|
0.73
x
|
1.17
x
|
1.39
x
|
1.07
x
|
0.94
x
|
0.87
x
|
Nbr of stocks (in thousands)
|
49,472
|
50,296
|
47,947
|
44,299
|
42,874
|
42,539
|
-
|
Reference price
2 |
32.88
|
17.12
|
28.43
|
29.90
|
24.83
|
23.16
|
23.16
|
Announcement Date
|
1/27/20
|
1/25/21
|
1/20/22
|
1/26/23
|
1/25/24
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
---|
Net sales
1 |
449.3
|
383.1
|
434.4
|
415.6
|
436.4
|
403
|
445.9
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
159.4
|
-
|
102.1
|
135.8
|
141.6
|
145.3
|
160.6
|
Operating Margin
|
35.48%
|
-
|
23.51%
|
32.67%
|
32.46%
|
36.06%
|
36.01%
|
Earnings before Tax (EBT)
1 |
124
|
-533
|
149
|
113.8
|
78.32
|
69.24
|
129.3
|
Net income
1 |
96.49
|
-533.3
|
118.7
|
92.53
|
69.6
|
52.77
|
100.2
|
Net margin
|
21.48%
|
-139.22%
|
27.32%
|
22.27%
|
15.95%
|
13.1%
|
22.48%
|
EPS
2 |
1.980
|
-10.60
|
2.390
|
2.020
|
1.600
|
1.254
|
2.430
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF margin
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Dividend per Share
2 |
0.9200
|
0.7200
|
0.4800
|
0.5400
|
0.7200
|
0.7300
|
0.7340
|
Announcement Date
|
1/27/20
|
1/25/21
|
1/20/22
|
1/26/23
|
1/25/24
|
-
|
-
|
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 |
90.72
|
89.74
|
97.71
|
108.3
|
117.6
|
114.1
|
109.9
|
107.8
|
104.3
|
105.4
|
103.5
|
110.4
|
105.5
|
105.8
|
108.2
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
21.23
|
-
|
-
|
38.61
|
44.95
|
42.15
|
35.83
|
-
|
29.77
|
33.05
|
37.6
|
38
|
39.8
|
40.4
|
42.4
|
Operating Margin
|
23.4%
|
-
|
-
|
35.64%
|
38.23%
|
36.93%
|
32.61%
|
-
|
28.54%
|
31.34%
|
36.33%
|
34.44%
|
37.74%
|
38.17%
|
39.18%
|
Earnings before Tax (EBT)
1 |
24.31
|
25.19
|
29.23
|
23.66
|
35.73
|
33.18
|
27.8
|
23.29
|
-5.954
|
-26.48
|
28.59
|
36.94
|
29.66
|
30.09
|
31.8
|
Net income
1 |
20.25
|
20.2
|
23.12
|
18.72
|
30.5
|
27.64
|
23.86
|
19.54
|
-1.445
|
-20.19
|
21.84
|
27.72
|
23.21
|
23.15
|
24.46
|
Net margin
|
22.32%
|
22.5%
|
23.66%
|
17.28%
|
25.94%
|
24.21%
|
21.72%
|
18.13%
|
-1.39%
|
-19.14%
|
21.11%
|
25.12%
|
22.01%
|
21.88%
|
22.6%
|
EPS
2 |
0.4200
|
0.4200
|
0.5000
|
0.4200
|
0.6900
|
0.6300
|
0.5500
|
0.4500
|
-0.0300
|
-0.4700
|
0.5117
|
0.6550
|
0.5550
|
0.5520
|
0.5880
|
Dividend per Share
2 |
0.1200
|
0.1200
|
0.1200
|
0.1200
|
0.1800
|
0.1800
|
0.1800
|
0.1800
|
0.1800
|
-
|
0.1800
|
0.1840
|
0.1860
|
0.1800
|
0.1800
|
Announcement Date
|
1/20/22
|
4/20/22
|
7/20/22
|
10/20/22
|
1/26/23
|
4/20/23
|
7/20/23
|
10/20/23
|
1/25/24
|
4/18/24
|
-
|
-
|
-
|
-
|
-
|
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)
|
5.75%
|
-37.5%
|
10.2%
|
7.76%
|
7.07%
|
5.32%
|
9.45%
|
ROA (Net income/ Total Assets)
|
0.75%
|
-4.15%
|
0.98%
|
0.82%
|
0.59%
|
0.55%
|
0.8%
|
Assets
1 |
12,865
|
12,851
|
12,109
|
11,285
|
11,796
|
9,630
|
12,530
|
Book Value Per Share
2 |
34.70
|
23.40
|
24.30
|
21.50
|
23.30
|
24.80
|
26.60
|
Cash Flow per Share
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex / Sales
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
1/27/20
|
1/25/21
|
1/20/22
|
1/26/23
|
1/25/24
|
-
|
-
|
Last Close Price
23.16
USD Average target price
25.25
USD Spread / Average Target +9.02% Consensus |
1st Jan change
|
Capi.
|
---|
| -6.73% | 985M | | -8.67% | 84.26B | | -10.23% | 20.39B | | +12.85% | 14.41B | | +37.94% | 8.47B | | -9.28% | 6.84B | | +5.59% | 4.75B | | +16.26% | 4.13B | | -11.86% | 3.3B | | +0.54% | 2.78B |
Retail & Mortgage Banks
|