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5UA.SI$0.05+0.00%
Fair $0.05+0.0%

5UA.SI

Luminor Financial Holdings Limited

Financial Services / Credit ServicesSES

$0.05

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $0.05Fund rank 25/100 · Data gapFallback financials|
SA 24/D
F-Score: 1/9
Margin CompressionLow Profitability

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 0.0/100

Data gap 25/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 20/100Data QA 20/100

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.

Quality + valuation scorecard

SA Score

24/100

D

Piotroski

1/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 2unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Sector-specific holding-company NAV/SOTP model required: targets are disabled until look-through holdings, debt and discount data exists. Operating margin has declined for 3 consecutive years ROE is -18.9%, below the 5% threshold
Thesis & Journal · 5UA.SILocal privado en este navegador · Luminor Financial Holdings Limited
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$16M

P/E

N/A

•

EV/EBITDA

3.7x

↓

ROE

-18.9%

↓

Gross Margin

34.6%

↓

Debt/Equity

1.98

↑
52-Week Range$0
$0$0

TradingView lightweight chart

5UA.SI price, volumen y niveles de valoración

Último $0.047Periodo -85.1%
Fair value: $0.047

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+31.4%

FCF CAGR

—

FCF margin

-42.8%

FCF / Net income

2.51x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $49.6M · net income $-8.4M · FCF $-21.2M

2022-FY → 2025-FY

Gross margin

34.6%-63.6% pts

Operating margin

-4.0%-25.7% pts

Net margin

-17.0%-51.9% pts

FCF margin

-42.8%-98.9% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$49.6M$49.6M$44.0M$30.9M$21.8M
Net Income$-8.4M$-8.4M$-7.4M$295000.00$7.6M
EBITDA$2.3M$2.3M$5.6M$6.4M$20.5M
EPS——-0.070.000.05
Gross Margin34.6%34.6%40.1%48.1%98.2%
Operating Margin-4.0%-4.0%5.3%16.1%21.7%
Net Margin-17.0%-17.0%-16.9%1.0%34.9%
Balance Sheet
Debt/Equity1.981.981.341.070.64
Current Ratio1.161.16———
Cash Flow
Free Cash Flow$-21.2M$-21.2M$-64.8M$-37.2M$12.3M
Returns
ROE-18.9%-18.9%-13.5%0.4%11.7%
Valuation
P/E———32.021.75
EV/EBITDA3.723.72-2.660.41-0.56
P/B0.180.180.180.140.21
Growth & Yield
Revenue Growth12.8%12.8%42.5%41.3%—
EPS Growth——-3816.8%-96.4%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

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.

Return attribution · 1Y approxreconcilia total -9.6%

Total return

-9.6%

Start / end P/E

n/dx → n/dx

EPS bridge

-0.07 → n/d

Residual

-9.6%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term-9.6%

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.