Market Closed -
Nasdaq
02:00:01 04/05/2024 am IST
|
5-day change
|
1st Jan Change
|
116.4
USD
|
+1.30%
|
|
+0.61%
|
+58.23%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
---|
Capitalization
1 |
3,441
|
2,902
|
3,025
|
4,026
|
4,889
|
5,291
|
-
|
Enterprise Value (EV)
1 |
4,026
|
3,736
|
4,491
|
5,579
|
4,889
|
5,291
|
5,291
|
P/E ratio
|
21.2
x
|
27.4
x
|
24.6
x
|
16.2
x
|
22.6
x
|
19.6
x
|
16.2
x
|
Yield
|
1.27%
|
1.54%
|
1.56%
|
1.45%
|
-
|
1.2%
|
1.2%
|
Capitalization / Revenue
|
1.85
x
|
1.78
x
|
1.78
x
|
1.48
x
|
1.55
x
|
1.54
x
|
1.43
x
|
EV / Revenue
|
1.85
x
|
1.78
x
|
1.78
x
|
1.48
x
|
1.55
x
|
1.54
x
|
1.43
x
|
EV / EBITDA
|
11.3
x
|
12.2
x
|
10.4
x
|
9.2
x
|
9.55
x
|
9.29
x
|
8.1
x
|
EV / FCF
|
18.4
x
|
15.7
x
|
16.7
x
|
27
x
|
13.7
x
|
15.5
x
|
13.6
x
|
FCF Yield
|
5.44%
|
6.36%
|
5.99%
|
3.7%
|
7.28%
|
6.43%
|
7.35%
|
Price to Book
|
2.58
x
|
2.24
x
|
2.01
x
|
2.19
x
|
-
|
-
|
-
|
Nbr of stocks (in thousands)
|
42,679
|
41,440
|
40,433
|
46,318
|
45,108
|
45,473
|
-
|
Reference price
2 |
80.63
|
70.04
|
74.81
|
86.91
|
108.4
|
116.4
|
116.4
|
Announcement Date
|
29/01/20
|
28/01/21
|
08/02/22
|
02/02/23
|
01/02/24
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
---|
Net sales
1 |
1,864
|
1,631
|
1,699
|
2,729
|
3,152
|
3,445
|
3,699
|
EBITDA
1 |
303.8
|
237
|
289.6
|
437.3
|
511.7
|
569.4
|
653.3
|
EBIT
1 |
261.9
|
194.9
|
197.2
|
283.9
|
389.6
|
467.1
|
518.9
|
Operating Margin
|
14.05%
|
11.95%
|
11.6%
|
10.4%
|
12.36%
|
13.56%
|
14.03%
|
Earnings before Tax (EBT)
1 |
224.6
|
143.7
|
166.5
|
323.6
|
292.8
|
359.1
|
427.4
|
Net income
1 |
164.6
|
106.6
|
124.9
|
253.5
|
219.3
|
267.7
|
319.1
|
Net margin
|
8.83%
|
6.53%
|
7.35%
|
9.29%
|
6.96%
|
7.77%
|
8.63%
|
EPS
2 |
3.810
|
2.560
|
3.040
|
5.360
|
4.800
|
5.933
|
7.203
|
Free Cash Flow
1 |
187.3
|
184.7
|
181.3
|
149.1
|
356
|
340.4
|
388.9
|
FCF margin
|
10.05%
|
11.32%
|
10.67%
|
5.46%
|
11.29%
|
9.88%
|
10.51%
|
FCF Conversion (EBITDA)
|
61.65%
|
77.95%
|
62.59%
|
34.08%
|
69.57%
|
59.78%
|
59.54%
|
FCF Conversion (Net income)
|
113.77%
|
173.32%
|
145.13%
|
58.8%
|
162.33%
|
127.13%
|
121.88%
|
Dividend per Share
2 |
1.020
|
1.080
|
1.170
|
1.260
|
-
|
1.400
|
1.400
|
Announcement Date
|
29/01/20
|
28/01/21
|
08/02/22
|
02/02/23
|
01/02/24
|
-
|
-
|
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 |
501.8
|
659.8
|
647.6
|
672.1
|
749.3
|
762.7
|
750.6
|
786.3
|
852.1
|
836.4
|
824.4
|
849
|
920.6
|
907.1
|
894.2
|
EBITDA
1 |
102.3
|
101.3
|
96.42
|
108.8
|
130.7
|
109.6
|
107.5
|
133
|
161.7
|
131.6
|
124.9
|
143.9
|
168.5
|
153.4
|
148.9
|
EBIT
1 |
42.66
|
55.49
|
57.37
|
74.82
|
96.23
|
82.87
|
60.04
|
80.34
|
121.3
|
105.6
|
100.6
|
117.8
|
141.4
|
120.2
|
110.9
|
Operating Margin
|
8.5%
|
8.41%
|
8.86%
|
11.13%
|
12.84%
|
10.86%
|
8%
|
10.22%
|
14.24%
|
12.63%
|
12.21%
|
13.88%
|
15.36%
|
13.25%
|
12.4%
|
Earnings before Tax (EBT)
1 |
37.13
|
37.01
|
109.6
|
75.4
|
101.6
|
63.21
|
60.52
|
77.62
|
91.49
|
81.88
|
72.37
|
90.03
|
114.7
|
98.45
|
90.08
|
Net income
1 |
29.37
|
28
|
86.11
|
59.32
|
80.07
|
47.39
|
45.18
|
57.14
|
69.59
|
61.37
|
53.93
|
67.12
|
85.45
|
73.46
|
67.19
|
Net margin
|
5.85%
|
4.24%
|
13.3%
|
8.82%
|
10.68%
|
6.21%
|
6.02%
|
7.27%
|
8.17%
|
7.34%
|
6.54%
|
7.91%
|
9.28%
|
8.1%
|
7.51%
|
EPS
2 |
0.7000
|
0.5800
|
0.7000
|
1.260
|
1.720
|
1.020
|
0.9900
|
1.260
|
1.530
|
1.350
|
1.190
|
1.490
|
1.903
|
1.635
|
1.500
|
Dividend per Share
2 |
0.3000
|
0.3000
|
0.3000
|
0.3300
|
0.3300
|
0.3300
|
0.3300
|
0.3500
|
-
|
-
|
0.3500
|
0.3500
|
0.3500
|
0.3500
|
0.3500
|
Announcement Date
|
08/02/22
|
28/04/22
|
28/07/22
|
27/10/22
|
02/02/23
|
27/04/23
|
27/07/23
|
26/10/23
|
01/02/24
|
25/04/24
|
-
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
---|
Net Debt
|
585
|
834
|
1,467
|
1,553
|
-
|
-
|
-
|
Net Cash position
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
1.926
x
|
3.518
x
|
5.064
x
|
3.552
x
|
-
|
-
|
-
|
Free Cash Flow
1 |
187
|
185
|
181
|
149
|
356
|
340
|
389
|
ROE (net income / shareholders' equity)
|
12.3%
|
8.09%
|
8.08%
|
13.7%
|
-
|
-
|
-
|
ROA (Net income/ Total Assets)
|
-
|
4.43%
|
4.03%
|
-
|
-
|
-
|
-
|
Assets
1 |
-
|
2,406
|
3,103
|
-
|
-
|
-
|
-
|
Book Value Per Share
|
31.20
|
31.30
|
37.30
|
39.70
|
-
|
-
|
-
|
Cash Flow per Share
|
-
|
5.340
|
5.440
|
9.920
|
-
|
-
|
-
|
Capex
|
44.3
|
37.5
|
42
|
182
|
-
|
-
|
-
|
Capex / Sales
|
2.38%
|
2.3%
|
2.47%
|
6.66%
|
-
|
-
|
-
|
Announcement Date
|
29/01/20
|
28/01/21
|
08/02/22
|
02/02/23
|
01/02/24
|
-
|
-
|
Last Close Price
116.4
USD Average target price
138.8
USD Spread / Average Target +19.25% Consensus |
1st Jan change
|
Capi.
|
---|
| -5.41% | 51.37B | | -3.47% | 31.37B | | +61.37% | 28.64B | | +20.90% | 24.24B | | +19.40% | 18.31B | | +3.89% | 13.19B | | +26.16% | 11.67B | | +15.22% | 8.19B | | -30.05% | 7.35B |
Other Consumer Lending
|