Financial Services / Banks - RegionalJohannesburg
$23050.00
+247.00 (+1.08%)
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 54.0/100
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
37/100
D
Piotroski
4/9
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
$191.0B
P/E
8.7x
↓EV/EBITDA
N/A
•ROE
12.7%
↑Gross Margin
N/A
•Debt/Equity
1.40
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+6.0%
FCF CAGR
+35.8%
FCF margin
37.2%
FCF / Net income
1.84x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $115.23B · net income $23.27B · FCF $42.85B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $115.23B | $115.23B | $109.74B | $104.62B | $96.83B |
| Net Income | $23.27B | $23.27B | $22.64B | $20.79B | $20.87B |
| EPS | 26.52 | 26.52 | 25.95 | 23.93 | 24.30 |
| Net Margin | 20.2% | 20.2% | 20.6% | 19.9% | 21.6% |
| Balance Sheet | |||||
| Debt/Equity | 1.40 | 1.40 | 1.38 | 1.50 | 1.66 |
| Cash Flow | |||||
| Free Cash Flow | $42.85B | $42.85B | $53.41B | $37.74B | $17.13B |
| Returns | |||||
| ROE | 12.7% | 12.7% | 13.3% | 13.6% | 14.7% |
| Valuation | |||||
| P/E | 8.74 | 8.74 | 736.59 | 660.34 | 800.71 |
| P/B | 106.47 | 106.47 | 93.40 | 85.93 | 114.23 |
| Growth & Yield | |||||
| Revenue Growth | 5.0% | 5.0% | 4.9% | 8.0% | — |
| EPS Growth | 2.2% | 2.2% | 8.4% | -1.5% | — |
| Dividend Yield | 7.4% | 7.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
325.7%
EPS terminal req.
$2045.30
Spread vs growth
-323.5%
5Y implied EPS CAGR
147.7%
EPS terminal req.
$2474.82
Spread vs growth
-145.6%
10Y implied EPS CAGR
65.1%
EPS terminal req.
$3985.72
Spread vs growth
-62.9%
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
+42.2%
Start / end P/E
663.1x → 874.7x
EPS bridge
25.95 → 26.52
Residual
+0.7%
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.