Financial Services / Mortgage FinanceSaudi
$15.15
-0.20 (-1.30%)
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 9.0/100
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
22/100
D
Piotroski
5/9
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
$1.5B
P/E
27.1x
↑EV/EBITDA
N/A
•ROE
2.9%
↓Gross Margin
N/A
•Debt/Equity
1.69
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+2.0%
FCF CAGR
-27.2%
FCF margin
28.3%
FCF / Net income
1.12x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $201.2M · net income $50.7M · FCF $56.9M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $201.2M | $201.2M | $145.0M | $112.0M | $189.4M |
| Net Income | $50.7M | $50.7M | $26.5M | $2.3M | $95.9M |
| EPS | — | — | 0.27 | 0.02 | 0.96 |
| Net Margin | 25.2% | 25.2% | 18.3% | 2.1% | 50.6% |
| Balance Sheet | |||||
| Debt/Equity | 1.69 | 1.69 | 1.65 | 1.61 | 1.50 |
| Current Ratio | 62.92 | 62.92 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $56.9M | $56.9M | $111.0M | $162.6M | $147.3M |
| Returns | |||||
| ROE | 2.9% | 2.9% | 1.6% | 0.1% | 5.6% |
| Valuation | |||||
| P/E | 27.05 | 27.05 | 68.22 | 922.00 | 20.98 |
| P/B | 0.87 | 0.87 | 1.09 | 1.11 | 1.18 |
| Growth & Yield | |||||
| Revenue Growth | 38.8% | 38.8% | 29.4% | -40.9% | — |
| EPS Growth | — | — | 1250.0% | -97.9% | — |
| Dividend Yield | 3.3% | 3.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
-11.2%
Start / end P/E
n/dx → n/dx
EPS bridge
0.27 → n/d
Residual
-14.5%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.