Financial Services / Credit ServicesFrankfurt
$277.10
-6.55 (-2.31%)
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 100.0/100
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
46/100
C
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
$527.0B
P/E
28.2x
↑EV/EBITDA
23.7x
↑ROE
52.9%
↑Gross Margin
80.4%
↑Debt/Equity
0.66
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+10.9%
FCF CAGR
+6.5%
FCF margin
53.9%
FCF / Net income
1.08x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $40.00B · net income $20.06B · FCF $21.58B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $40.00B | $40.00B | $35.93B | $32.65B | $29.31B |
| Net Income | $20.06B | $20.06B | $19.74B | $17.27B | $14.96B |
| EBITDA | $26.00B | $26.00B | $25.59B | $22.62B | $19.54B |
| EPS | 10.20 | 10.20 | 9.73 | 8.28 | 7.00 |
| Gross Margin | 80.4% | 80.4% | 80.4% | 79.9% | 80.4% |
| Operating Margin | 66.4% | 66.4% | 67.0% | 67.2% | 67.1% |
| Net Margin | 50.1% | 50.1% | 55.0% | 52.9% | 51.0% |
| Balance Sheet | |||||
| Debt/Equity | 0.66 | 0.66 | 0.53 | 0.53 | 0.63 |
| Current Ratio | 1.09 | 1.09 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $21.58B | $21.58B | $18.69B | $19.70B | $17.88B |
| Returns | |||||
| ROE | 52.9% | 52.9% | 50.4% | 44.6% | 42.0% |
| Valuation | |||||
| P/E | 28.16 | 28.16 | 25.78 | 26.87 | 26.86 |
| EV/EBITDA | 23.69 | 23.69 | 23.86 | 24.84 | 24.97 |
| P/B | 16.04 | 16.04 | 15.38 | 14.40 | 13.52 |
| Growth & Yield | |||||
| Revenue Growth | 11.3% | 11.3% | 10.0% | 11.4% | — |
| EPS Growth | 4.8% | 4.8% | 17.5% | 18.3% | — |
| Dividend Yield | 0.8% | 0.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
34.1%
EPS terminal req.
$24.59
Spread vs growth
-29.3%
5Y implied EPS CAGR
23.9%
EPS terminal req.
$29.75
Spread vs growth
-19.0%
10Y implied EPS CAGR
16.7%
EPS terminal req.
$47.92
Spread vs growth
-11.9%
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
-13.1%
Start / end P/E
33.1x → 27.2x
EPS bridge
9.73 → 10.20
Residual
-0.9%
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.