Financial Services / Banks - RegionalSão Paulo
$24.38
-0.12 (-0.49%)
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 60.0/100
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
29/100
D
Piotroski
6/9
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
$6.3B
P/E
4.5x
↓EV/EBITDA
N/A
•ROE
14.8%
↑Gross Margin
N/A
•Debt/Equity
5.22
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+7.9%
FCF CAGR
-53.1%
FCF margin
12.8%
FCF / Net income
0.36x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $2.78B · net income $1.00B · FCF $356.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $2.78B | $2.78B | $2.45B | $2.26B | $2.21B |
| Net Income | $1.00B | $1.00B | $971.3M | $851.6M | $800.2M |
| EPS | 4.25 | 4.25 | 4.02 | 3.75 | 3.51 |
| Net Margin | 36.1% | 36.1% | 39.7% | 37.7% | 36.2% |
| Balance Sheet | |||||
| Debt/Equity | 5.22 | 5.22 | 6.39 | 5.61 | 5.78 |
| Cash Flow | |||||
| Free Cash Flow | $356.2M | $356.2M | $-239.4M | $-963.5M | $3.46B |
| Returns | |||||
| ROE | 14.8% | 14.8% | 15.2% | 14.5% | 15.4% |
| Valuation | |||||
| P/E | 4.51 | 4.51 | 4.73 | 6.25 | 5.30 |
| P/B | 0.85 | 0.85 | 0.72 | 0.91 | 0.81 |
| Growth & Yield | |||||
| Revenue Growth | 13.6% | 13.6% | 8.2% | 2.2% | — |
| EPS Growth | 5.8% | 5.8% | 7.1% | 6.7% | — |
| Dividend Yield | 10.7% | 10.7% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-20.2%
EPS terminal req.
$2.16
Spread vs growth
26.0%
5Y implied EPS CAGR
-9.2%
EPS terminal req.
$2.62
Spread vs growth
15.1%
10Y implied EPS CAGR
-0.1%
EPS terminal req.
$4.22
Spread vs growth
5.9%
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
+24.1%
Start / end P/E
5.4x → 5.7x
EPS bridge
4.02 → 4.25
Residual
+0.4%
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.