Financial Services / Insurance - LifeNasdaqGM
$2.08
-0.08 (-3.70%)
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 6.0/100
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
35/100
D
Piotroski
2/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
20/100
SEC 0%
Sin guardar todavía.
Market Cap
$42M
P/E
9.0x
↓EV/EBITDA
N/A
•ROE
-4.3%
↓Gross Margin
N/A
•Debt/Equity
0.38
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2024 · 14 años de histórico normalizado
Revenue CAGR
+4.1%
FCF CAGR
-0.4%
FCF margin
2.4%
FCF / Net income
-1.07x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $188.2M · net income $-4.3M · FCF $4.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||
| Revenue | $188.2M | $188.2M | $186.8M | $187.9M | $199.6M | $195.3M | $198.2M | $185.6M | $181.1M | $166.1M | $165.9M | $166.3M | $165.4M | $139.8M | $118.3M | $106.9M |
| Net Income | $-4.3M | $-4.3M | $-171000.00 | $1.5M | $4.3M | $12.2M | $-386000.00 | $-704000.00 | $4.5M | $2.6M | $4.4M | $4.4M | $11.0M | $4.4M | $3.3M | $990000.00 |
| EBITDA | — | — | — | — | — | $12.5M | $-6.5M | $-2.9M | $-2.4M | $2.1M | $2.0M | $3.5M | $3.1M | $4.1M | $3.7M | $1.0M |
| EPS | -0.23 | -0.23 | -0.03 | 0.06 | 0.19 | 0.56 | -0.04 | — | — | — | — | 0.19 | 0.48 | 0.18 | 0.12 | 0.02 |
| Operating Margin | — | — | — | — | — | 5.9% | -3.8% | -2.1% | -2.1% | 0.6% | 0.5% | 1.6% | 1.5% | 2.6% | 2.8% | 0.6% |
| Net Margin | -2.3% | -2.3% | -0.1% | 0.8% | 2.1% | 6.2% | -0.2% | -0.4% | 2.5% | 1.6% | 2.6% | 2.7% | 6.7% | 3.2% | 2.8% | 0.9% |
| Balance Sheet | ||||||||||||||||
| Debt/Equity | 0.38 | 0.38 | 0.34 | 0.35 | 0.24 | — | — | — | — | — | — | — | — | — | — | — |
| Current Ratio | 1.50 | 1.50 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||
| Free Cash Flow | $4.6M | $4.6M | $2.5M | $6.3M | $981000.00 | $8.7M | $-1.9M | $4.2M | $12.1M | $920000.00 | — | — | $11.7M | $5.9M | $9.1M | $4.8M |
| Returns | ||||||||||||||||
| ROE | -4.3% | -4.3% | -0.2% | 1.5% | 3.0% | 8.4% | -0.3% | -0.7% | 4.0% | 2.5% | 4.3% | 4.3% | 10.9% | 4.2% | 3.4% | 1.2% |
| Valuation | ||||||||||||||||
| P/E | 9.04 | 9.04 | — | 40.67 | 15.26 | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.39 | 0.39 | 0.48 | 0.49 | 0.46 | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||
| Revenue Growth | 0.8% | 0.8% | -0.6% | -5.9% | — | -1.4% | 6.8% | 2.5% | 9.1% | 0.1% | -0.2% | 0.6% | 18.3% | 18.2% | 10.7% | — |
| EPS Growth | -666.7% | -666.7% | -150.0% | -68.4% | — | 1500.0% | — | — | — | — | — | -60.4% | 166.7% | 50.0% | 500.0% | — |
| Dividend Yield | 0.8% | 0.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
+23.9%
Start / end P/E
n/dx → n/dx
EPS bridge
-0.03 → -0.23
Residual
+23.1%
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.