Market Closed -
Nyse
04:00:02 2024-04-30 pm EDT
|
5-day change
|
1st Jan Change
|
43.98
USD
|
-1.61%
|
|
+2.61%
|
+15.16%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
23,269
|
20,263
|
25,387
|
14,805
|
15,803
|
17,660
|
-
|
-
|
Enterprise Value (EV)
1 |
30,988
|
24,514
|
31,557
|
18,702
|
17,526
|
21,059
|
16,079
|
17,660
|
P/E ratio
|
6.48
x
|
15.3
x
|
6.32
x
|
5.34
x
|
7.36
x
|
6.09
x
|
7.32
x
|
6.22
x
|
Yield
|
2.39%
|
2.54%
|
1.9%
|
2.74%
|
2.51%
|
2.32%
|
2.42%
|
2.73%
|
Capitalization / Revenue
|
1.75
x
|
1.82
x
|
2.49
x
|
1.27
x
|
1.16
x
|
1.14
x
|
1.17
x
|
1.1
x
|
EV / Revenue
|
2.33
x
|
2.2
x
|
3.1
x
|
1.6
x
|
1.29
x
|
1.36
x
|
1.06
x
|
1.1
x
|
EV / EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EV / FCF
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Yield
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Price to Book
|
1.54
x
|
1.69
x
|
1.89
x
|
1.19
x
|
1.18
x
|
1.13
x
|
1.03
x
|
0.95
x
|
Nbr of stocks (in thousands)
|
646,193
|
583,792
|
547,259
|
450,541
|
413,804
|
401,544
|
-
|
-
|
Reference price
2 |
36.01
|
34.71
|
46.39
|
32.86
|
38.19
|
43.98
|
43.98
|
43.98
|
Announcement Date
|
1/24/20
|
1/29/21
|
1/28/22
|
1/23/23
|
1/23/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
13,312
|
11,162
|
10,192
|
11,674
|
13,627
|
15,431
|
15,137
|
16,086
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
9,067
|
7,107
|
6,229
|
7,337
|
8,869
|
10,677
|
9,993
|
10,563
|
Operating Margin
|
68.11%
|
63.67%
|
61.12%
|
62.85%
|
65.08%
|
69.19%
|
66.02%
|
65.67%
|
Earnings before Tax (EBT)
1 |
4,887
|
1,797
|
5,503
|
3,962
|
2,904
|
3,992
|
3,118
|
3,348
|
Net income
1 |
3,747
|
1,343
|
4,179
|
2,974
|
2,196
|
2,996
|
2,340
|
2,578
|
Net margin
|
28.15%
|
12.03%
|
41%
|
25.48%
|
16.12%
|
19.41%
|
15.46%
|
16.03%
|
EPS
2 |
5.560
|
2.270
|
7.340
|
6.150
|
5.190
|
7.221
|
6.010
|
7.071
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF margin
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Dividend per Share
2 |
0.8600
|
0.8800
|
0.8800
|
0.9000
|
0.9600
|
1.021
|
1.064
|
1.201
|
Announcement Date
|
1/24/20
|
1/29/21
|
1/28/22
|
1/23/23
|
1/23/24
|
-
|
-
|
-
|
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 |
2,730
|
2,793
|
2,873
|
2,915
|
3,093
|
3,163
|
3,294
|
3,475
|
3,659
|
4,798
|
3,695
|
3,793
|
3,612
|
3,667
|
3,678
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
1,608
|
1,754
|
1,790
|
1,851
|
1,942
|
2,044
|
2,125
|
2,321
|
2,343
|
3,592
|
2,499
|
2,552
|
2,292
|
2,422
|
2,504
|
Operating Margin
|
58.9%
|
62.8%
|
62.3%
|
63.5%
|
62.79%
|
64.62%
|
64.51%
|
66.79%
|
64.03%
|
74.86%
|
67.64%
|
67.29%
|
63.45%
|
66.04%
|
68.09%
|
Earnings before Tax (EBT)
1 |
1,047
|
1,233
|
1,066
|
922
|
741
|
790
|
742
|
833
|
539
|
1,708
|
761.1
|
939
|
526.4
|
506.3
|
792
|
Net income
1 |
803
|
922
|
793
|
692
|
567
|
590
|
559
|
618
|
429
|
1,282
|
563.3
|
688.1
|
397
|
463.1
|
538.8
|
Net margin
|
29.41%
|
33.01%
|
27.6%
|
23.74%
|
18.33%
|
18.65%
|
16.97%
|
17.78%
|
11.72%
|
26.72%
|
15.25%
|
18.14%
|
10.99%
|
12.63%
|
14.65%
|
EPS
2 |
1.480
|
1.770
|
1.600
|
1.470
|
1.260
|
1.350
|
1.320
|
1.480
|
1.030
|
3.140
|
1.461
|
1.807
|
0.9956
|
1.352
|
1.465
|
Dividend per Share
2 |
0.2200
|
0.2200
|
0.2200
|
0.2300
|
0.2300
|
0.2300
|
0.2300
|
0.2500
|
0.2500
|
-
|
0.2500
|
0.2650
|
0.2650
|
0.2200
|
0.2200
|
Announcement Date
|
1/28/22
|
4/18/22
|
7/18/22
|
10/25/22
|
1/23/23
|
4/19/23
|
7/18/23
|
10/24/23
|
1/23/24
|
4/24/24
|
-
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
1 |
7,719
|
4,251
|
6,170
|
3,897
|
1,723
|
3,399
|
-
|
-
|
Net Cash position
1 |
-
|
-
|
-
|
-
|
-
|
-
|
1,581
|
-
|
Leverage (Debt/EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
ROE (net income / shareholders' equity)
|
25.1%
|
11.2%
|
30.8%
|
22.6%
|
16.4%
|
17.3%
|
14.4%
|
15.7%
|
ROA (Net income/ Total Assets)
|
3.5%
|
1.4%
|
4.5%
|
3.1%
|
2%
|
2.15%
|
1.81%
|
1.87%
|
Assets
1 |
107,057
|
95,929
|
92,867
|
95,935
|
109,800
|
139,631
|
129,688
|
138,121
|
Book Value Per Share
2 |
23.30
|
20.50
|
24.50
|
27.70
|
32.40
|
39.00
|
42.80
|
46.10
|
Cash Flow per Share
|
13.30
|
2.550
|
12.50
|
13.80
|
-
|
-
|
-
|
-
|
Capex
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex / Sales
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
1/24/20
|
1/29/21
|
1/28/22
|
1/23/23
|
1/23/24
|
-
|
-
|
-
|
Last Close Price
44.7
USD Average target price
46.32
USD Spread / Average Target +3.61% Consensus |
1st Jan change
|
Capi.
|
---|
| +15.16% | 17.95B | | -5.52% | 50.55B | | -4.20% | 30.74B | | +61.84% | 28.97B | | +19.65% | 23.48B | | -5.26% | 11.79B | | +24.19% | 11.22B | | +16.55% | 8.17B | | -31.86% | 7.44B | | +35.28% | 6.37B |
Other Consumer Lending
|