StockAnalyzer

Financial Analysis

DashboardSectorsComparablesScreenerUniverseMicrocapsAI 2nd OrderTheme MapEnergy & MaterialsMacroWatchlistCompareMi CarteraPortfolio

Recent

v0.1
ACAG.AT$9.60-0.52%
Fair $9.60+0.0%

ACAG.AT

Austriacard Holdings AG

Technology / Information Technology ServicesAthens

$9.60

-0.05 (-0.52%)

Fairly Valued+0.0%Fair Value $9.60Fund rank 31/100 · Data gapFallback financials|
SA 58/C
F-Score: 4/9

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 32% · confianza 25%

FCF escenarios

weak_data · normalized FCF $20.3M · quality 58.3/100

Data gap 31/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 52/100Data QA 20/100

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.

Quality + valuation scorecard

SA Score

58/100

C

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 0unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Sector-specific holding-company NAV/SOTP model required: targets are disabled until look-through holdings, debt and discount data exists.
Thesis & Journal · ACAG.ATLocal privado en este navegador · Austriacard Holdings AG
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$345M

P/E

25.3x

↑

EV/EBITDA

9.6x

↓

ROE

11.1%

↑

Gross Margin

24.1%

↓

Debt/Equity

0.81

↑
52-Week Range$10
$5$10

TradingView lightweight chart

ACAG.AT price, volumen y niveles de valoración

Último $9.600Periodo +47.8%
Fair value: $9.600

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+4.6%

FCF CAGR

-1.3%

FCF margin

7.0%

FCF / Net income

1.73x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $360.2M · net income $14.7M · FCF $25.4M

2022-FY → 2025-FY

Gross margin

24.1%+0.3% pts

Operating margin

8.3%+2.1% pts

Net margin

4.1%+2.8% pts

FCF margin

7.0%-1.3% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$360.2M$360.2M$392.3M$364.6M$314.7M
Net Income$14.7M$14.7M$19.0M$15.8M$4.2M
EBITDA$46.8M$46.8M$50.6M$43.3M$26.4M
EPS0.380.380.490.420.12
Gross Margin24.1%24.1%24.1%24.2%23.8%
Operating Margin8.3%8.3%8.8%8.7%6.2%
Net Margin4.1%4.1%4.8%4.3%1.3%
Balance Sheet
Debt/Equity0.810.810.941.121.42
Current Ratio1.981.98———
Cash Flow
Free Cash Flow$25.4M$25.4M$20.3M$-1.9M$26.4M
Returns
ROE11.1%11.1%15.3%14.9%6.0%
Valuation
P/E25.2625.2612.0415.12—
EV/EBITDA9.579.576.417.68—
P/B2.772.771.842.23—
Growth & Yield
Revenue Growth-8.2%-8.2%7.6%15.8%—
EPS Growth-22.4%-22.4%16.7%241.3%—
Dividend Yield1.0%1.0%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

30.9%

muy exigente

EPS terminal req.

$0.85

Spread vs growth

-53.3%

5Y implied EPS CAGR

22.1%

exigente

EPS terminal req.

$1.03

Spread vs growth

-44.5%

10Y implied EPS CAGR

15.9%

exigente

EPS terminal req.

$1.66

Spread vs growth

-38.3%

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.

Return attribution · 1Y approxreconcilia total +74.3%

Total return

+74.3%

Start / end P/E

11.3x → 25.3x

EPS bridge

0.49 → 0.38

Residual

-27.7%

EPS growth-22.4%
Multiple rerating+123.4%
Dividend+1.0%
Residual / FX / buybacks / cross-term-27.7%

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.