Market Closed -
Nyse
01:30:01 27/04/2024 am IST
|
5-day change
|
1st Jan Change
|
36.97
USD
|
+0.87%
|
|
+7.22%
|
+12.23%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
5,168
|
3,677
|
3,314
|
1,877
|
1,625
|
1,832
|
-
|
-
|
Enterprise Value (EV)
1 |
11,427
|
9,111
|
3,314
|
5,993
|
1,625
|
16,139
|
15,850
|
15,832
|
P/E ratio
|
18.4
x
|
16.6
x
|
4.16
x
|
8.44
x
|
2.3
x
|
8.01
x
|
5.56
x
|
4.23
x
|
Yield
|
2.25%
|
1.7%
|
1.26%
|
2.23%
|
2.55%
|
2.27%
|
2.33%
|
2.56%
|
Capitalization / Revenue
|
0.93
x
|
0.81
x
|
0.91
x
|
0.49
x
|
0.38
x
|
0.49
x
|
0.47
x
|
0.46
x
|
EV / Revenue
|
2.05
x
|
2.02
x
|
0.91
x
|
1.57
x
|
0.38
x
|
4.31
x
|
4.11
x
|
3.98
x
|
EV / EBITDA
|
8.99
x
|
7.88
x
|
2.18
x
|
-
|
1.5
x
|
42.5
x
|
33.5
x
|
27
x
|
EV / FCF
|
10.6
x
|
4.98
x
|
2.27
x
|
3.37
x
|
-
|
-197
x
|
1,219
x
|
74.3
x
|
FCF Yield
|
9.41%
|
20.1%
|
44%
|
29.7%
|
-
|
-0.51%
|
0.08%
|
1.35%
|
Price to Book
|
3.36
x
|
2.42
x
|
1.59
x
|
0.83
x
|
0.56
x
|
0.57
x
|
0.52
x
|
0.47
x
|
Nbr of stocks (in thousands)
|
46,056
|
49,623
|
49,785
|
49,853
|
49,331
|
49,560
|
-
|
-
|
Reference price
2 |
112.2
|
74.10
|
66.57
|
37.66
|
32.94
|
36.97
|
36.97
|
36.97
|
Announcement Date
|
30/01/20
|
28/01/21
|
27/01/22
|
26/01/23
|
25/01/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
5,581
|
4,521
|
3,655
|
3,826
|
4,289
|
3,745
|
3,859
|
3,982
|
EBITDA
1 |
1,271
|
1,157
|
1,519
|
-
|
1,084
|
380
|
473.2
|
586.9
|
EBIT
1 |
1,307
|
888.4
|
1,427
|
1,894
|
2,197
|
1,766
|
1,843
|
2,073
|
Operating Margin
|
23.42%
|
19.65%
|
39.04%
|
49.5%
|
51.22%
|
47.15%
|
47.75%
|
52.05%
|
Earnings before Tax (EBT)
1 |
738.4
|
394.5
|
1,044
|
300
|
968
|
276.5
|
436.5
|
602.4
|
Net income
1 |
310.9
|
213.7
|
801
|
223
|
718
|
196.2
|
314.8
|
432.4
|
Net margin
|
5.57%
|
4.73%
|
21.92%
|
5.83%
|
16.74%
|
5.24%
|
8.16%
|
10.86%
|
EPS
2 |
6.100
|
4.460
|
16.02
|
4.460
|
14.34
|
4.613
|
6.647
|
8.730
|
Free Cash Flow
1 |
1,075
|
1,829
|
1,459
|
1,780
|
-
|
-82
|
13
|
213
|
FCF margin
|
19.27%
|
40.45%
|
39.92%
|
46.52%
|
-
|
-2.19%
|
0.34%
|
5.35%
|
FCF Conversion (EBITDA)
|
84.59%
|
158.07%
|
96.05%
|
-
|
-
|
-
|
2.75%
|
36.29%
|
FCF Conversion (Net income)
|
345.9%
|
855.73%
|
182.15%
|
798.21%
|
-
|
-
|
4.13%
|
49.26%
|
Dividend per Share
2 |
2.520
|
1.260
|
0.8400
|
0.8400
|
0.8400
|
0.8400
|
0.8611
|
0.9475
|
Announcement Date
|
30/01/20
|
28/01/21
|
27/01/22
|
26/01/23
|
25/01/24
|
-
|
-
|
-
|
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 |
1,099
|
939
|
921
|
893
|
979
|
1,033
|
1,289
|
952
|
1,031
|
1,017
|
991
|
902.9
|
913.3
|
905.9
|
947.7
|
EBITDA
1 |
423.1
|
171
|
523
|
-
|
-
|
-
|
779
|
-
|
-
|
42
|
532
|
76
|
21
|
-117
|
-
|
EBIT
1 |
382.8
|
149
|
495
|
420
|
493
|
485
|
745
|
422
|
529
|
501
|
509
|
402.3
|
434.8
|
384.4
|
447.6
|
Operating Margin
|
34.82%
|
15.87%
|
53.75%
|
47.03%
|
50.36%
|
46.95%
|
57.8%
|
44.33%
|
51.31%
|
49.26%
|
51.36%
|
44.56%
|
47.61%
|
42.43%
|
47.23%
|
Earnings before Tax (EBT)
1 |
290.7
|
65
|
302
|
16
|
189
|
-207
|
638
|
86
|
225
|
19
|
188
|
54.74
|
67.94
|
-25.1
|
78.2
|
Net income
1 |
223.7
|
70
|
210
|
12
|
134
|
-134
|
455
|
48
|
171
|
43
|
134
|
41.44
|
45.27
|
-29.08
|
58.12
|
Net margin
|
20.35%
|
7.45%
|
22.8%
|
1.34%
|
13.69%
|
-12.97%
|
35.3%
|
5.04%
|
16.59%
|
4.23%
|
13.52%
|
4.59%
|
4.96%
|
-3.21%
|
6.13%
|
EPS
2 |
4.470
|
0.3400
|
4.200
|
0.2500
|
2.690
|
-2.680
|
9.080
|
0.9500
|
3.420
|
0.8700
|
2.700
|
0.9044
|
1.104
|
-0.4944
|
1.457
|
Dividend per Share
2 |
0.2100
|
0.2100
|
0.2100
|
0.2100
|
0.2100
|
0.2100
|
0.2100
|
0.2100
|
0.2100
|
0.2100
|
0.2100
|
0.2100
|
0.2100
|
0.2100
|
0.2100
|
Announcement Date
|
28/10/21
|
27/01/22
|
28/04/22
|
28/07/22
|
27/10/22
|
26/01/23
|
27/04/23
|
27/07/23
|
26/10/23
|
25/01/24
|
25/04/24
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
1 |
6,260
|
5,434
|
-
|
4,116
|
-
|
14,307
|
14,018
|
14,000
|
Net Cash position
1 |
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
4.924
x
|
4.697
x
|
-
|
-
|
-
|
37.65
x
|
29.62
x
|
23.85
x
|
Free Cash Flow
1 |
1,075
|
1,829
|
1,459
|
1,780
|
-
|
-82
|
13
|
213
|
ROE (net income / shareholders' equity)
|
15.7%
|
28.9%
|
40.7%
|
9.8%
|
27.1%
|
7.17%
|
10.3%
|
11.1%
|
ROA (Net income/ Total Assets)
|
1.09%
|
0.87%
|
3.6%
|
1%
|
3.3%
|
0.86%
|
1.42%
|
1.56%
|
Assets
1 |
28,442
|
24,521
|
22,250
|
22,300
|
21,758
|
22,714
|
22,128
|
27,659
|
Book Value Per Share
2 |
33.40
|
30.60
|
41.80
|
45.40
|
58.60
|
65.30
|
71.20
|
77.80
|
Cash Flow per Share
|
23.90
|
39.30
|
-
|
37.00
|
-
|
-
|
-
|
-
|
Capex
1 |
142
|
54
|
84
|
68
|
-
|
100
|
98
|
98
|
Capex / Sales
|
2.55%
|
1.19%
|
2.3%
|
1.78%
|
-
|
2.67%
|
2.54%
|
2.46%
|
Announcement Date
|
30/01/20
|
28/01/21
|
27/01/22
|
26/01/23
|
25/01/24
|
-
|
-
|
-
|
Last Close Price
36.97
USD Average target price
37.21
USD Spread / Average Target +0.66% Consensus |
1st Jan change
|
Capi.
|
---|
| +12.23% | 1.83B | | -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
|