Market Closed -
Nyse
04:00:02 2024-05-03 pm EDT
|
5-day change
|
1st Jan Change
|
51.2
USD
|
+0.77%
|
|
+1.35%
|
+4.07%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
5,737
|
6,469
|
6,479
|
4,071
|
5,899
|
6,134
|
-
|
-
|
Enterprise Value (EV)
1 |
21,722
|
22,036
|
23,688
|
21,854
|
24,698
|
26,640
|
27,098
|
6,134
|
P/E ratio
|
6.72
x
|
8.9
x
|
5.07
x
|
4.72
x
|
9.25
x
|
9.34
x
|
6.43
x
|
-
|
Yield
|
7.12%
|
12.3%
|
19.1%
|
11.4%
|
8.13%
|
8.02%
|
8.19%
|
8.75%
|
Capitalization / Revenue
|
1.52
x
|
1.67
x
|
1.64
x
|
0.97
x
|
1.38
x
|
1.35
x
|
1.26
x
|
1.16
x
|
EV / Revenue
|
5.75
x
|
5.7
x
|
5.98
x
|
5.22
x
|
5.77
x
|
5.88
x
|
5.58
x
|
1.16
x
|
EV / EBITDA
|
10,089,019
x
|
10,498,396
x
|
8,297,194
x
|
10,406,609
x
|
-
|
-
|
-
|
-
|
EV / FCF
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Yield
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Price to Book
|
1.32
x
|
1.88
x
|
2.09
x
|
1.33
x
|
1.85
x
|
1.87
x
|
1.72
x
|
1.51
x
|
Nbr of stocks (in thousands)
|
136,101
|
134,326
|
129,486
|
122,212
|
119,904
|
119,809
|
-
|
-
|
Reference price
2 |
42.15
|
48.16
|
50.04
|
33.31
|
49.20
|
51.20
|
51.20
|
51.20
|
Announcement Date
|
2/10/20
|
2/8/21
|
2/2/22
|
2/7/23
|
2/7/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
3,779
|
3,867
|
3,958
|
4,187
|
4,280
|
4,529
|
4,858
|
5,287
|
EBITDA
|
2,153
|
2,099
|
2,855
|
2,100
|
-
|
-
|
-
|
-
|
EBIT
1 |
2,262
|
2,405
|
2,334
|
2,613
|
2,561
|
1,443
|
1,851
|
-
|
Operating Margin
|
59.86%
|
62.19%
|
58.97%
|
62.41%
|
59.84%
|
31.87%
|
38.11%
|
-
|
Earnings before Tax (EBT)
1 |
1,098
|
977
|
1,741
|
1,163
|
840
|
879.2
|
1,249
|
-
|
Net income
1 |
855
|
730
|
1,314
|
878
|
641
|
640.5
|
920.4
|
-
|
Net margin
|
22.63%
|
18.88%
|
33.2%
|
20.97%
|
14.98%
|
14.14%
|
18.95%
|
-
|
EPS
2 |
6.270
|
5.410
|
9.870
|
7.060
|
5.320
|
5.483
|
7.958
|
-
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF margin
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Dividend per Share
2 |
3.000
|
5.940
|
9.550
|
3.800
|
4.000
|
4.108
|
4.192
|
4.480
|
Announcement Date
|
2/10/20
|
2/8/21
|
2/2/22
|
2/7/23
|
2/7/24
|
-
|
-
|
-
|
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 |
1,021
|
1,032
|
1,039
|
1,065
|
1,059
|
1,032
|
1,058
|
1,085
|
1,103
|
1,076
|
1,124
|
1,165
|
1,182
|
-
|
-
|
EBITDA
|
648
|
617
|
530
|
473
|
484
|
475
|
-
|
519
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
592
|
635
|
528
|
671
|
658
|
620
|
641
|
662
|
666
|
635
|
89.79
|
284.8
|
213.1
|
313.5
|
-
|
Operating Margin
|
57.98%
|
61.53%
|
50.82%
|
63%
|
62.13%
|
60.08%
|
60.59%
|
61.01%
|
60.38%
|
59.01%
|
7.98%
|
24.45%
|
18.02%
|
-
|
-
|
Earnings before Tax (EBT)
1 |
355
|
396
|
280
|
250
|
238
|
235
|
138
|
246
|
220
|
204
|
180
|
231
|
264.6
|
390
|
232
|
Net income
1 |
262
|
301
|
209
|
188
|
180
|
179
|
103
|
194
|
165
|
155
|
112.7
|
186.9
|
185.9
|
264.8
|
174
|
Net margin
|
25.66%
|
29.17%
|
20.12%
|
17.65%
|
17%
|
17.34%
|
9.74%
|
17.88%
|
14.96%
|
14.41%
|
10.02%
|
16.04%
|
15.72%
|
-
|
-
|
EPS
2 |
2.020
|
2.360
|
1.680
|
1.520
|
1.480
|
1.480
|
0.8500
|
1.610
|
1.380
|
1.290
|
0.9697
|
1.579
|
1.598
|
2.167
|
1.594
|
Dividend per Share
2 |
0.7000
|
0.9500
|
0.9500
|
0.9500
|
0.9500
|
1.000
|
1.000
|
1.000
|
1.000
|
-
|
1.033
|
1.033
|
1.033
|
1.045
|
1.045
|
Announcement Date
|
2/2/22
|
4/28/22
|
7/27/22
|
10/26/22
|
2/7/23
|
4/25/23
|
7/26/23
|
10/25/23
|
2/7/24
|
4/30/24
|
-
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
1 |
15,985
|
15,567
|
17,209
|
17,783
|
18,799
|
20,506
|
20,964
|
-
|
Net Cash position
1 |
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
7.425
x
|
7.416
x
|
6.028
x
|
8.468
x
|
-
|
-
|
-
|
-
|
Free Cash Flow
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
ROE (net income / shareholders' equity)
|
22.5%
|
18.8%
|
40.2%
|
28.7%
|
20.7%
|
27.6%
|
37.9%
|
46.3%
|
ROA (Net income/ Total Assets)
|
3.9%
|
3.2%
|
6.46%
|
3.94%
|
2.7%
|
2.77%
|
3.71%
|
-
|
Assets
1 |
21,923
|
22,812
|
20,354
|
22,306
|
23,741
|
23,089
|
24,788
|
-
|
Book Value Per Share
2 |
31.80
|
25.60
|
23.90
|
25.00
|
26.60
|
27.40
|
29.80
|
34.00
|
Cash Flow per Share
|
17.30
|
16.40
|
16.90
|
-
|
-
|
-
|
-
|
-
|
Capex
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex / Sales
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
2/10/20
|
2/8/21
|
2/2/22
|
2/7/23
|
2/7/24
|
-
|
-
|
-
|
Last Close Price
51.2
USD Average target price
57.31
USD Spread / Average Target +11.93% Consensus |
1st Jan change
|
Capi.
|
---|
| +4.07% | 6.09B | | -5.41% | 50.96B | | -3.47% | 31.11B | | +61.37% | 28.9B | | +20.90% | 24.1B | | +19.40% | 18.17B | | +3.89% | 13.1B | | +26.16% | 11.63B | | +15.22% | 8.26B | | -30.05% | 7.38B |
Other Consumer Lending
|