Market Closed -
Nyse
04:00:02 2024-04-26 pm EDT
|
5-day change
|
1st Jan Change
|
208
USD
|
-0.97%
|
|
-3.10%
|
+30.61%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
42,321
|
57,874
|
60,057
|
75,889
|
93,173
|
121,843
|
-
|
-
|
Enterprise Value (EV)
1 |
42,321
|
57,874
|
60,057
|
79,212
|
99,976
|
109,597
|
98,915
|
121,843
|
P/E ratio
|
10.8
x
|
10.2
x
|
18.1
x
|
110
x
|
24.2
x
|
18.4
x
|
18.1
x
|
17.2
x
|
Yield
|
3.66%
|
4.96%
|
1.85%
|
0.31%
|
0.72%
|
1.07%
|
1.54%
|
1.63%
|
Capitalization / Revenue
|
1.13
x
|
1.43
x
|
1.29
x
|
1.49
x
|
1.51
x
|
1.68
x
|
1.47
x
|
1.33
x
|
EV / Revenue
|
1.13
x
|
1.43
x
|
1.29
x
|
1.55
x
|
1.62
x
|
1.51
x
|
1.19
x
|
1.33
x
|
EV / EBITDA
|
-
|
-
|
-
|
-
|
18.3
x
|
16.5
x
|
11.9
x
|
-
|
EV / FCF
|
-
|
-
|
-
|
12.1
x
|
9.62
x
|
13.7
x
|
10.2
x
|
-
|
FCF Yield
|
-
|
-
|
-
|
8.28%
|
10.4%
|
7.33%
|
9.78%
|
-
|
Price to Book
|
3.21
x
|
3.5
x
|
3.38
x
|
4.93
x
|
4.71
x
|
4.94
x
|
4.14
x
|
3.31
x
|
Nbr of stocks (in thousands)
|
584,630
|
585,300
|
585,064
|
585,070
|
584,961
|
585,698
|
-
|
-
|
Reference price
2 |
72.39
|
98.88
|
102.6
|
129.7
|
159.3
|
208.0
|
208.0
|
208.0
|
Announcement Date
|
1/29/20
|
1/27/21
|
1/26/22
|
1/25/23
|
1/24/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
37,578
|
40,569
|
46,405
|
51,081
|
61,550
|
72,721
|
82,958
|
91,784
|
EBITDA
1 |
-
|
-
|
-
|
-
|
5,472
|
6,641
|
8,335
|
-
|
EBIT
1 |
5,350
|
7,390
|
4,429
|
1,166
|
5,172
|
9,818
|
8,957
|
11,009
|
Operating Margin
|
14.24%
|
18.22%
|
9.54%
|
2.28%
|
8.4%
|
13.5%
|
10.8%
|
11.99%
|
Earnings before Tax (EBT)
1 |
5,160
|
7,173
|
4,210
|
922.1
|
4,904
|
8,460
|
8,652
|
9,332
|
Net income
1 |
3,970
|
5,705
|
3,351
|
721.5
|
3,902
|
6,733
|
6,839
|
7,260
|
Net margin
|
10.57%
|
14.06%
|
7.22%
|
1.41%
|
6.34%
|
9.26%
|
8.24%
|
7.91%
|
EPS
2 |
6.720
|
9.660
|
5.660
|
1.180
|
6.580
|
11.28
|
11.49
|
12.06
|
Free Cash Flow
1 |
-
|
-
|
-
|
6,557
|
10,391
|
8,029
|
9,676
|
-
|
FCF margin
|
-
|
-
|
-
|
12.84%
|
16.88%
|
11.04%
|
11.66%
|
-
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
189.91%
|
120.9%
|
116.09%
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
908.77%
|
266.28%
|
119.24%
|
141.49%
|
-
|
Dividend per Share
2 |
2.650
|
4.900
|
1.900
|
0.4000
|
1.150
|
2.217
|
3.207
|
3.390
|
Announcement Date
|
1/29/20
|
1/27/21
|
1/26/22
|
1/25/23
|
1/24/24
|
-
|
-
|
-
|
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 |
12,446
|
10,749
|
13,181
|
12,422
|
13,018
|
12,460
|
16,110
|
14,717
|
15,594
|
15,130
|
18,962
|
17,185
|
18,233
|
17,527
|
21,458
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
2,573
|
-
|
-
|
-
|
-
|
-
|
Operating Margin
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
17.01%
|
-
|
-
|
-
|
-
|
-
|
Earnings before Tax (EBT)
1 |
139
|
1,204
|
390.2
|
-635.9
|
142.5
|
1,025
|
554.4
|
435.7
|
1,410
|
2,503
|
2,940
|
1,828
|
1,595
|
2,024
|
2,316
|
Net income
1 |
118.5
|
962.3
|
313.9
|
-542.9
|
124.1
|
826.4
|
447.9
|
345.4
|
1,121
|
1,988
|
2,331
|
1,520
|
1,314
|
1,622
|
1,897
|
Net margin
|
0.95%
|
8.95%
|
2.38%
|
-4.37%
|
0.95%
|
6.63%
|
2.78%
|
2.35%
|
7.19%
|
13.14%
|
12.29%
|
8.85%
|
7.21%
|
9.26%
|
8.84%
|
EPS
2 |
0.1900
|
1.630
|
0.5200
|
-0.9400
|
0.2000
|
1.400
|
0.7500
|
0.5700
|
1.890
|
3.370
|
3.940
|
2.585
|
2.284
|
2.762
|
3.226
|
Dividend per Share
2 |
0.1000
|
1.600
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.1000
|
0.8500
|
0.1000
|
0.1000
|
0.1000
|
2.100
|
0.1000
|
Announcement Date
|
10/14/21
|
1/26/22
|
4/14/22
|
7/15/22
|
10/13/22
|
1/25/23
|
4/13/23
|
7/13/23
|
10/13/23
|
1/24/24
|
4/12/24
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
1 |
-
|
-
|
-
|
3,323
|
6,804
|
-
|
-
|
-
|
Net Cash position
1 |
-
|
-
|
-
|
-
|
-
|
12,246
|
22,928
|
-
|
Leverage (Debt/EBITDA)
|
-
|
-
|
-
|
-
|
1.243
x
|
-
|
-
|
-
|
Free Cash Flow
1 |
-
|
-
|
-
|
6,557
|
10,391
|
8,029
|
9,676
|
-
|
ROE (net income / shareholders' equity)
|
25.9%
|
28.7%
|
12.2%
|
13%
|
21.6%
|
30%
|
25.6%
|
21.9%
|
ROA (Net income/ Total Assets)
|
6.26%
|
7.41%
|
4.96%
|
0.98%
|
4.75%
|
6%
|
6.1%
|
6.2%
|
Assets
1 |
63,413
|
76,992
|
67,616
|
73,323
|
82,078
|
112,222
|
112,109
|
117,094
|
Book Value Per Share
2 |
22.50
|
28.30
|
30.40
|
26.30
|
33.80
|
42.10
|
50.20
|
62.80
|
Cash Flow per Share
|
-
|
11.80
|
-
|
11.70
|
-
|
-
|
-
|
-
|
Capex
1 |
-
|
3,617
|
244
|
292
|
252
|
302
|
296
|
-
|
Capex / Sales
|
-
|
8.92%
|
0.52%
|
0.57%
|
0.41%
|
0.42%
|
0.36%
|
-
|
Announcement Date
|
1/29/20
|
1/27/21
|
1/26/22
|
1/25/23
|
1/24/24
|
-
|
-
|
-
|
Average target price
220.6
USD Spread / Average Target +6.04% Consensus |
1st Jan change
|
Capi.
|
---|
| +30.61% | 122B | | +8.19% | 28.53B | | -5.99% | 12.17B | | +0.56% | 10.1B | | +28.58% | 5.09B | | +38.46% | 2.86B | | +12.31% | 750M | | -4.91% | 331M | | +11.32% | 196M | | +78.35% | 185M |
Insurance - Automobile
|