Delayed
Nyse
10:00:25 2024-05-10 am EDT
|
5-day change
|
1st Jan Change
|
14.5
USD
|
+0.42%
|
|
+3.72%
|
+2.91%
|
Fiscal Period: December |
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
---|
Capitalization
1 |
1,016
|
856.6
|
616.2
|
860.9
|
882.3
|
-
|
Enterprise Value (EV)
1 |
1,016
|
856.6
|
616.2
|
860.9
|
882.3
|
882.3
|
P/E ratio
|
2.75
x
|
3
x
|
1.89
x
|
-22
x
|
12.5
x
|
10.7
x
|
Yield
|
-
|
14.3%
|
-
|
-
|
-
|
-
|
Capitalization / Revenue
|
0.63
x
|
0.54
x
|
0.53
x
|
1.31
x
|
0.95
x
|
0.79
x
|
EV / Revenue
|
0.63
x
|
0.54
x
|
0.53
x
|
1.31
x
|
0.95
x
|
0.79
x
|
EV / EBITDA
|
1.42
x
|
-
|
5.95
x
|
11.5
x
|
6.12
x
|
5.38
x
|
EV / FCF
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Yield
|
-
|
-
|
-
|
-
|
-
|
-
|
Price to Book
|
1.38
x
|
0.92
x
|
0.49
x
|
-
|
0.72
x
|
0.67
x
|
Nbr of stocks (in thousands)
|
60,000
|
61,057
|
61,067
|
61,097
|
61,103
|
-
|
Reference price
2 |
16.94
|
14.03
|
10.09
|
14.09
|
14.44
|
14.44
|
Announcement Date
|
3/22/21
|
3/10/22
|
3/9/23
|
3/12/24
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
---|
Net sales
1 |
712.9
|
1,622
|
1,576
|
1,165
|
655.2
|
927.7
|
1,123
|
EBITDA
1 |
-
|
714.3
|
-
|
103.5
|
74.8
|
144.2
|
163.9
|
EBIT
1 |
-
|
706.8
|
354.7
|
88
|
60.2
|
92.58
|
111.5
|
Operating Margin
|
-
|
43.57%
|
22.5%
|
7.55%
|
9.19%
|
9.98%
|
9.93%
|
Earnings before Tax (EBT)
1 |
-
|
494.1
|
386.9
|
420
|
-46.13
|
93.89
|
114.4
|
Net income
1 |
5.577
|
370.6
|
283.8
|
328.6
|
-39.01
|
70.58
|
83.25
|
Net margin
|
0.78%
|
22.85%
|
18%
|
28.21%
|
-5.95%
|
7.61%
|
7.42%
|
EPS
2 |
-
|
6.170
|
4.670
|
5.350
|
-0.6400
|
1.153
|
1.348
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF margin
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Dividend per Share
2 |
-
|
-
|
2.000
|
-
|
-
|
-
|
-
|
Announcement Date
|
10/1/20
|
3/22/21
|
3/10/22
|
3/9/23
|
3/12/24
|
-
|
-
|
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 |
413
|
343.1
|
481.8
|
287.5
|
261.2
|
134.3
|
103.9
|
236.8
|
257.3
|
57.23
|
178.4
|
224.9
|
263.8
|
260.9
|
242.2
|
EBITDA
1 |
108.4
|
38.6
|
46.7
|
22
|
32.9
|
1.9
|
1.1
|
16.5
|
43.9
|
13.2
|
17.46
|
29.6
|
48.5
|
53.7
|
39.2
|
EBIT
1 |
104.3
|
34.5
|
42.79
|
18.2
|
29
|
-2
|
-2.6
|
12.84
|
40.2
|
9.7
|
14.05
|
20.18
|
28.6
|
29.75
|
-
|
Operating Margin
|
25.26%
|
10.06%
|
8.88%
|
6.33%
|
11.1%
|
-1.49%
|
-2.5%
|
5.42%
|
15.63%
|
16.95%
|
7.88%
|
8.97%
|
10.84%
|
11.4%
|
-
|
Earnings before Tax (EBT)
1 |
97.46
|
61.96
|
278.2
|
78.4
|
86.69
|
-23.22
|
-50.8
|
50.44
|
73.53
|
-119.3
|
11.22
|
19.4
|
30.12
|
33.65
|
30.5
|
Net income
1 |
72.1
|
42.16
|
208
|
58.27
|
77.37
|
-15.01
|
-37.19
|
36.94
|
54.25
|
-93
|
9.395
|
16.71
|
23.39
|
25.12
|
22.5
|
Net margin
|
17.46%
|
12.29%
|
43.17%
|
20.27%
|
29.62%
|
-11.17%
|
-35.8%
|
15.6%
|
21.09%
|
-162.5%
|
5.27%
|
7.43%
|
8.87%
|
9.63%
|
9.29%
|
EPS
2 |
1.170
|
0.6900
|
3.380
|
0.9500
|
1.260
|
-0.2500
|
-0.6100
|
0.6000
|
0.8800
|
-1.520
|
0.1520
|
0.2761
|
0.3820
|
0.4122
|
0.3700
|
Dividend per Share
2 |
-
|
1.000
|
-
|
-
|
-
|
-
|
-
|
-
|
0.5000
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
11/10/21
|
3/10/22
|
5/6/22
|
8/4/22
|
11/3/22
|
3/9/23
|
5/8/23
|
8/3/23
|
11/8/23
|
3/12/24
|
-
|
-
|
-
|
-
|
-
|
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)
|
-
|
64.9%
|
31.2%
|
6.4%
|
-
|
6.56%
|
6.69%
|
ROA (Net income/ Total Assets)
|
-
|
14.1%
|
-
|
-
|
-
|
1.85%
|
1.9%
|
Assets
1 |
-
|
2,628
|
-
|
-
|
-
|
3,825
|
4,377
|
Book Value Per Share
2 |
-
|
12.30
|
15.20
|
20.50
|
-
|
20.10
|
21.40
|
Cash Flow per Share
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex / Sales
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
10/1/20
|
3/22/21
|
3/10/22
|
3/9/23
|
3/12/24
|
-
|
-
|
Last Close Price
14.44
USD Average target price
15.58
USD Spread / Average Target +7.92% Consensus |
1st Jan change
|
Capi.
|
---|
| +2.48% | 882M | | -9.07% | 48.91B | | -6.80% | 30.13B | | +48.27% | 26.29B | | +26.81% | 25.41B | | +20.71% | 18.51B | | +0.38% | 12.3B | | +14.37% | 10.63B | | +11.77% | 7.69B | | -29.05% | 7.46B |
Other Consumer Lending
|