Market Closed -
OTC Markets
20:13:10 18/06/2024 BST
|
5-day change
|
1st Jan Change
|
24.82
USD
|
-1.31%
|
|
0.00%
|
+19.67%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
28,870
|
22,385
|
29,338
|
25,704
|
29,467
|
35,973
|
-
|
-
|
Enterprise Value (EV)
1 |
29,713
|
22,166
|
29,338
|
67,114
|
66,483
|
77,131
|
76,744
|
76,352
|
P/E ratio
|
10.9
x
|
13.1
x
|
10.5
x
|
9.03
x
|
7.86
x
|
9.44
x
|
8.69
x
|
8.13
x
|
Yield
|
5.22%
|
7.08%
|
5.74%
|
6.98%
|
6.7%
|
5.87%
|
6.31%
|
6.72%
|
Capitalization / Revenue
|
0.41
x
|
0.32
x
|
0.39
x
|
0.32
x
|
0.36
x
|
0.39
x
|
0.38
x
|
0.37
x
|
EV / Revenue
|
0.43
x
|
0.31
x
|
0.39
x
|
0.82
x
|
0.81
x
|
0.84
x
|
0.81
x
|
0.79
x
|
EV / EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EV / FCF
|
-
|
1.21
x
|
1.65
x
|
6.78
x
|
55.2
x
|
20.5
x
|
19.8
x
|
19.4
x
|
FCF Yield
|
-
|
82.6%
|
60.7%
|
14.7%
|
1.81%
|
4.87%
|
5.05%
|
5.16%
|
Price to Book
|
1.02
x
|
0.75
x
|
1
x
|
1.59
x
|
1.04
x
|
1.16
x
|
1.08
x
|
1.01
x
|
Nbr of stocks (in thousands)
|
1,569,463
|
1,569,743
|
1,574,760
|
1,547,045
|
1,542,345
|
1,544,548
|
-
|
-
|
Reference price
2 |
18.40
|
14.26
|
18.63
|
16.62
|
19.10
|
23.29
|
23.29
|
23.29
|
Announcement Date
|
13/03/20
|
11/03/21
|
15/03/22
|
14/03/23
|
12/03/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
69,785
|
70,704
|
75,825
|
81,538
|
82,466
|
91,659
|
94,317
|
96,380
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
5,192
|
5,208
|
5,852
|
6,509
|
6,879
|
7,393
|
7,802
|
8,302
|
Operating Margin
|
7.44%
|
7.37%
|
7.72%
|
7.98%
|
8.34%
|
8.07%
|
8.27%
|
8.61%
|
Earnings before Tax (EBT)
1 |
3,587
|
3,390
|
4,580
|
4,738
|
5,574
|
6,254
|
6,669
|
7,086
|
Net income
1 |
2,670
|
1,744
|
2,847
|
2,912
|
3,747
|
3,856
|
4,117
|
4,366
|
Net margin
|
3.83%
|
2.47%
|
3.75%
|
3.57%
|
4.54%
|
4.21%
|
4.36%
|
4.53%
|
EPS
2 |
1.680
|
1.090
|
1.780
|
1.840
|
2.430
|
2.468
|
2.680
|
2.864
|
Free Cash Flow
1 |
-
|
18,302
|
17,814
|
9,899
|
1,205
|
3,759
|
3,878
|
3,940
|
FCF margin
|
-
|
25.89%
|
23.49%
|
12.14%
|
1.46%
|
4.1%
|
4.11%
|
4.09%
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (Net income)
|
-
|
1,049.43%
|
625.71%
|
339.94%
|
32.16%
|
97.49%
|
94.2%
|
90.24%
|
Dividend per Share
2 |
0.9600
|
1.010
|
1.070
|
1.160
|
1.280
|
1.368
|
1.470
|
1.565
|
Announcement Date
|
13/03/20
|
11/03/21
|
15/03/22
|
14/03/23
|
12/03/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019 S2
|
2020 S1
|
2020 S2
|
2021 S1
|
2021 Q3
|
2021 Q4
|
2022 Q1
|
2022 Q2
|
2022 S1
|
2022 Q3
|
2022 Q4
|
2022 S2
|
2023 Q2
|
2023 S1
|
2023 Q3
|
2023 Q4
|
2024 Q1
|
2024 Q2
|
2024 Q3
|
2024 Q4
|
2025 Q1
|
---|
Net sales
1 |
-
|
36,478
|
34,226
|
38,093
|
-
|
20,926
|
22,322
|
19,558
|
41,880
|
17,952
|
21,706
|
39,658
|
20,074
|
42,237
|
-
|
22,005
|
26,391
|
-
|
-
|
-
|
-
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
-
|
2,714
|
2,494
|
2,996
|
1,429
|
1,427
|
1,626
|
1,514
|
3,140
|
1,630
|
1,739
|
-
|
1,901
|
3,721
|
1,379
|
1,779
|
1,898
|
-
|
-
|
-
|
-
|
Operating Margin
|
-
|
7.44%
|
7.29%
|
7.86%
|
-
|
6.82%
|
7.28%
|
7.74%
|
7.5%
|
9.08%
|
8.01%
|
-
|
9.47%
|
8.81%
|
-
|
8.08%
|
7.19%
|
-
|
-
|
-
|
-
|
Earnings before Tax (EBT)
|
-
|
1,092
|
2,298
|
-
|
-
|
-
|
-
|
-
|
2,397
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Net income
1 |
881
|
774
|
970
|
1,540
|
710
|
597
|
727
|
675
|
1,402
|
831
|
679
|
-
|
1,044
|
2,243
|
579
|
-
|
1,256
|
-
|
-
|
-
|
-
|
Net margin
|
-
|
2.12%
|
2.83%
|
4.04%
|
-
|
2.85%
|
3.26%
|
3.45%
|
3.35%
|
4.63%
|
3.13%
|
-
|
5.2%
|
5.31%
|
-
|
-
|
4.76%
|
-
|
-
|
-
|
-
|
EPS
|
-
|
0.4800
|
0.6100
|
0.9800
|
0.4500
|
0.3500
|
0.4600
|
0.4200
|
0.8800
|
0.5400
|
0.4200
|
0.9600
|
-
|
-
|
-
|
-
|
-
|
1.030
|
-
|
1.150
|
-
|
Dividend per Share
2 |
-
|
-
|
-
|
-
|
-
|
1.070
|
-
|
-
|
-
|
-
|
1.160
|
-
|
-
|
-
|
-
|
1.280
|
-
|
-
|
-
|
1.344
|
-
|
Announcement Date
|
13/03/20
|
30/07/20
|
11/03/21
|
03/08/21
|
11/11/21
|
15/03/22
|
19/05/22
|
02/08/22
|
02/08/22
|
10/11/22
|
14/03/23
|
14/03/23
|
09/08/23
|
09/08/23
|
17/11/23
|
12/03/24
|
21/05/24
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
1 |
843
|
-
|
-
|
41,410
|
37,016
|
41,159
|
40,772
|
40,380
|
Net Cash position
1 |
-
|
219
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Free Cash Flow
1 |
-
|
18,302
|
17,814
|
9,899
|
1,205
|
3,759
|
3,878
|
3,940
|
ROE (net income / shareholders' equity)
|
10.3%
|
5.97%
|
9.6%
|
12.8%
|
13.5%
|
12.9%
|
13.1%
|
13.1%
|
ROA (Net income/ Total Assets)
|
0.52%
|
0.33%
|
0.5%
|
0.53%
|
0.74%
|
0.7%
|
0.71%
|
0.71%
|
Assets
1 |
515,245
|
529,608
|
565,464
|
552,667
|
505,921
|
553,218
|
583,943
|
613,644
|
Book Value Per Share
2 |
18.10
|
19.10
|
18.60
|
10.50
|
18.40
|
20.20
|
21.60
|
23.00
|
Cash Flow per Share
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex
1 |
-
|
10,445
|
334
|
-
|
527
|
404
|
411
|
417
|
Capex / Sales
|
-
|
14.77%
|
0.44%
|
-
|
0.64%
|
0.44%
|
0.44%
|
0.43%
|
Announcement Date
|
13/03/20
|
11/03/21
|
15/03/22
|
14/03/23
|
12/03/24
|
-
|
-
|
-
|
Last Close Price
23.29
EUR Average target price
24.22
EUR Spread / Average Target +3.98% Consensus |
1st Jan change
|
Capi.
|
---|
| +3.66% | 72.1B | | +8.25% | 50.75B | | +6.14% | 49.91B | | +24.42% | 47.64B | | +13.00% | 42.08B | | +17.16% | 33.02B | | -2.39% | 28.42B | | -9.01% | 27.19B | | +28.96% | 26.64B |
Other Life & Health Insurance
|