Financial Services / Banks - RegionalXETRA
$16.25
-0.18 (-1.10%)
Book/ROE base 3Y
n/d
n/d CAGR · P/B n/d
Book/ROE base 5Y
n/d
n/d base · n/d expected
Precio de entrada
n/d
MOS 100% · confianza 20%
Book/ROE escenarios
weak_data · book/share n/d · quality 61.0/100
Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.
SA Score
32/100
D
Piotroski
1/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$55.2B
P/E
12.0x
↓EV/EBITDA
N/A
•ROE
14.9%
↑Gross Margin
N/A
•Debt/Equity
6.37
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+6.6%
FCF CAGR
—
FCF margin
-32.6%
FCF / Net income
-0.79x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $11.72B · net income $4.84B · FCF $-3.82B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $11.72B | $11.72B | $12.04B | $11.74B | $9.68B |
| Net Income | $4.84B | $4.84B | $5.06B | $4.93B | $3.59B |
| EPS | 1.39 | 1.39 | 1.44 | 1.37 | 0.94 |
| Net Margin | 41.3% | 41.3% | 42.0% | 42.0% | 37.1% |
| Balance Sheet | |||||
| Debt/Equity | 6.37 | 6.37 | 6.08 | 6.12 | 6.17 |
| Cash Flow | |||||
| Free Cash Flow | $-3.82B | $-3.82B | $346.0M | $-7.00B | $21.57B |
| Returns | |||||
| ROE | 14.9% | 14.9% | 15.6% | 15.8% | 11.6% |
| Valuation | |||||
| P/E | 11.95 | 11.95 | 7.45 | 8.63 | 11.27 |
| P/B | 1.73 | 1.73 | 1.16 | 1.35 | 1.30 |
| Growth & Yield | |||||
| Revenue Growth | -2.7% | -2.7% | 2.6% | 21.3% | — |
| EPS Growth | -3.5% | -3.5% | 5.1% | 45.7% | — |
| Dividend Yield | 5.8% | 5.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
1.2%
EPS terminal req.
$1.44
Spread vs growth
-4.7%
5Y implied EPS CAGR
4.7%
EPS terminal req.
$1.75
Spread vs growth
-8.1%
10Y implied EPS CAGR
7.3%
EPS terminal req.
$2.81
Spread vs growth
-10.8%
Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.
Total return
+33.7%
Start / end P/E
8.8x → 11.7x
EPS bridge
1.44 → 1.39
Residual
-1.1%
Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.