Financial Services / Banks - RegionalFrankfurt
$3.10
+0.02 (+0.65%)
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 37.0/100
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
44/100
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
$462M
P/E
4.8x
↓EV/EBITDA
N/A
•ROE
9.9%
↑Gross Margin
N/A
•Debt/Equity
0.86
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+12.4%
FCF CAGR
-44.9%
FCF margin
45.1%
FCF / Net income
1.69x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $359.3M · net income $95.9M · FCF $162.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $359.3M | $359.3M | $328.0M | $293.7M | $253.0M |
| Net Income | $95.9M | $95.9M | $73.7M | $80.2M | $49.3M |
| EPS | 0.64 | 0.64 | 0.49 | 0.54 | 0.33 |
| Net Margin | 26.7% | 26.7% | 22.5% | 27.3% | 19.5% |
| Balance Sheet | |||||
| Debt/Equity | 0.86 | 0.86 | 0.63 | 0.57 | 0.37 |
| Cash Flow | |||||
| Free Cash Flow | $162.2M | $162.2M | $-214.1M | $-258.2M | $967.0M |
| Returns | |||||
| ROE | 9.9% | 9.9% | 8.4% | 10.1% | 7.0% |
| Valuation | |||||
| P/E | 4.77 | 4.77 | — | — | 3.66 |
| P/B | 0.48 | 0.48 | — | — | 0.25 |
| Growth & Yield | |||||
| Revenue Growth | 9.5% | 9.5% | 11.7% | 16.1% | — |
| EPS Growth | 29.9% | 29.9% | -8.4% | 63.8% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-24.6%
EPS terminal req.
$0.28
Spread vs growth
54.5%
5Y implied EPS CAGR
-12.3%
EPS terminal req.
$0.33
Spread vs growth
42.2%
10Y implied EPS CAGR
-1.8%
EPS terminal req.
$0.54
Spread vs growth
31.7%
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
+156.8%
Start / end P/E
2.4x → 4.8x
EPS bridge
0.49 → 0.64
Residual
+29.2%
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.