Financial Services / Insurance - DiversifiedIOB
$39.53
+0.09 (+0.24%)
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
37/100
D
Piotroski
6/9
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
$90.7B
P/E
13.7x
↑EV/EBITDA
N/A
•ROE
20.8%
↑Gross Margin
N/A
•Debt/Equity
1.28
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+9.1%
FCF CAGR
+38.2%
FCF margin
20.7%
FCF / Net income
2.24x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $105.92B · net income $9.80B · FCF $21.92B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $105.92B | $105.92B | $103.26B | $97.67B | $81.46B |
| Net Income | $9.80B | $9.80B | $7.89B | $7.19B | $5.06B |
| EPS | 4.77 | 4.77 | 3.63 | 3.31 | 2.12 |
| Net Margin | 9.2% | 9.2% | 7.6% | 7.4% | 6.2% |
| Balance Sheet | |||||
| Debt/Equity | 1.28 | 1.28 | 1.25 | 1.21 | 1.38 |
| Current Ratio | 4.33 | 4.33 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $21.92B | $21.92B | $11.99B | $3.52B | $8.31B |
| Returns | |||||
| ROE | 20.8% | 20.8% | 15.8% | 14.5% | 11.0% |
| Valuation | |||||
| P/E | 13.73 | 13.73 | 9.38 | 9.02 | 12.88 |
| P/B | 1.72 | 1.72 | 1.48 | 1.34 | 1.36 |
| Growth & Yield | |||||
| Revenue Growth | 2.6% | 2.6% | 5.7% | 19.9% | — |
| EPS Growth | 31.5% | 31.5% | 9.5% | 56.1% | — |
| Dividend Yield | 6.3% | 6.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-9.7%
EPS terminal req.
$3.51
Spread vs growth
41.2%
5Y implied EPS CAGR
-2.3%
EPS terminal req.
$4.24
Spread vs growth
33.8%
10Y implied EPS CAGR
3.7%
EPS terminal req.
$6.84
Spread vs growth
27.8%
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
-0.5%
Start / end P/E
11.7x → 8.3x
EPS bridge
3.63 → 4.77
Residual
-9.2%
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.