Financial Services / Insurance - LifeNYSE
$9.05
+0.07 (+0.78%)
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 23.0/100
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
39/100
D
Piotroski
4/9
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
$868M
P/E
23.8x
↑EV/EBITDA
11.5x
↓ROE
8.7%
↑Gross Margin
87.7%
↑Debt/Equity
0.98
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2020–2025 · 5 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
—
FCF margin
-11.3%
FCF / Net income
-0.73x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $235.2M · net income $36.5M · FCF $-26.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Income Statement | |||||||
| Revenue | $235.2M | $235.2M | $111.9M | $66.4M | $44.7M | — | — |
| Net Income | $36.5M | $36.5M | $-24.0M | $9.5M | $31.7M | $15.8M | — |
| EBITDA | $110.1M | $110.1M | $6.8M | $23.8M | $33.3M | — | — |
| EPS | 0.36 | 0.36 | -0.34 | 0.16 | 0.63 | — | — |
| Gross Margin | 87.7% | 87.7% | 89.8% | 90.2% | 86.8% | — | — |
| Operating Margin | 36.3% | 36.3% | 1.6% | 37.8% | 77.8% | — | — |
| Net Margin | 15.5% | 15.5% | -21.4% | 14.3% | 70.9% | — | — |
| Balance Sheet | |||||||
| Debt/Equity | 0.98 | 0.98 | 0.91 | 0.86 | 1.04 | — | — |
| Current Ratio | 1.91 | 1.91 | — | — | — | — | — |
| Cash Flow | |||||||
| Free Cash Flow | $-26.6M | $-26.6M | $-209.6M | $-64.2M | $10.7M | — | — |
| Returns | |||||||
| ROE | 8.7% | 8.7% | -5.6% | 5.8% | 116.3% | -56.1% | — |
| Valuation | |||||||
| P/E | 23.82 | 23.82 | — | 65.13 | 16.22 | — | — |
| EV/EBITDA | 11.54 | 11.54 | 120.33 | 30.20 | 15.37 | — | — |
| P/B | 2.15 | 2.15 | 1.32 | 3.67 | 18.85 | — | — |
| Growth & Yield | |||||||
| Revenue Growth | 110.2% | 110.2% | 68.6% | 48.5% | — | — | — |
| EPS Growth | 205.9% | 205.9% | -312.5% | -74.6% | — | — | — |
| Dividend Yield | 2.2% | 2.2% | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
30.7%
EPS terminal req.
$0.80
Spread vs growth
175.2%
5Y implied EPS CAGR
22.0%
EPS terminal req.
$0.97
Spread vs growth
183.9%
10Y implied EPS CAGR
15.8%
EPS terminal req.
$1.56
Spread vs growth
190.1%
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
+19.3%
Start / end P/E
n/dx → n/dx
EPS bridge
-0.34 → 0.36
Residual
+17.1%
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.