Financial Services / Insurance - Property & CasualtyNasdaqCM
$10.48
+0.03 (+0.29%)
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 100.0/100
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
36/100
D
Piotroski
6/9
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
$508M
P/E
4.9x
↓EV/EBITDA
N/A
•ROE
33.6%
↑Gross Margin
N/A
•Debt/Equity
0.48
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+8.7%
FCF CAGR
+16.3%
FCF margin
21.2%
FCF / Net income
0.66x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $335.0M · net income $106.8M · FCF $70.9M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $335.0M | $335.0M | $296.4M | $263.7M | $220.8M | $228.7M | $846.7M | $825.1M | $723.9M | $654.4M | $487.1M | $357.6M | $280.2M | $208.1M | $131.2M | $96.4M | $80.0M | $88.5M |
| Net Income | $106.8M | $106.8M | $75.7M | $309.9M | $-469.9M | $-57.9M | $-96.5M | $-29.9M | $290000.00 | $10.1M | $5.7M | $27.4M | $41.0M | $20.3M | $9.7M | $8.1M | $-925000.00 | $4.1M |
| EBITDA | — | — | — | — | — | $-5.0M | $-125.7M | $-26.4M | $-133000.00 | $6.6M | $9.3M | $43.4M | $65.1M | $35.2M | $15.9M | $13.9M | $424000.00 | $7.5M |
| EPS | 2.15 | 2.15 | 1.54 | 6.98 | -10.91 | -1.35 | -2.25 | -0.70 | 0.01 | 0.27 | 0.26 | 1.28 | 2.05 | 1.26 | 0.91 | 0.77 | -0.09 | 0.38 |
| Operating Margin | — | — | — | — | — | -4.6% | -15.6% | -4.0% | -0.6% | 0.1% | 1.4% | 11.6% | 23.0% | 16.6% | 11.6% | 13.7% | -0.9% | 7.2% |
| Net Margin | 31.9% | 31.9% | 25.5% | 117.5% | -212.8% | -25.3% | -11.4% | -3.6% | 0.0% | 1.6% | 1.2% | 7.7% | 14.6% | 9.8% | 7.4% | 8.4% | -1.2% | 4.6% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.48 | 0.48 | 0.65 | 0.89 | -0.82 | 0.51 | 0.41 | 0.32 | 0.31 | 0.31 | 0.22 | 0.05 | 0.07 | 0.14 | 0.18 | — | — | — |
| Current Ratio | 1.07 | 1.07 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $70.9M | $70.9M | $243.5M | $-136.2M | $-176.2M | $-300.7M | $-21.3M | $127.1M | $21.7M | $30.3M | $62.6M | $87.4M | $62.6M | $107.9M | $35.1M | $38.6M | $-8.0M | $6.3M |
| Returns | ||||||||||||||||||
| ROE | 33.6% | 33.6% | 32.1% | 183.6% | 258.1% | -18.5% | -24.4% | -5.9% | 0.1% | 1.9% | 2.4% | 11.4% | 20.1% | 18.9% | 11.0% | 14.7% | -2.0% | — |
| Valuation | ||||||||||||||||||
| P/E | 4.90 | 4.90 | 7.97 | 1.42 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.64 | 1.64 | 2.57 | 2.60 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 13.0% | 13.0% | 12.4% | 19.4% | — | -73.0% | 2.6% | 14.0% | 10.6% | 34.3% | 36.2% | 27.6% | 34.7% | 58.6% | 36.1% | 20.5% | -9.6% | — |
| EPS Growth | 39.6% | 39.6% | -77.9% | 164.0% | — | 40.0% | -221.4% | -7100.0% | -96.3% | 3.8% | -79.7% | -37.6% | 62.7% | 38.5% | 18.2% | 955.6% | -123.7% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-24.4%
EPS terminal req.
$0.93
Spread vs growth
64.0%
5Y implied EPS CAGR
-12.1%
EPS terminal req.
$1.13
Spread vs growth
51.8%
10Y implied EPS CAGR
-1.7%
EPS terminal req.
$1.81
Spread vs growth
41.3%
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.
Total return
-3.0%
Start / end P/E
7.0x → 4.9x
EPS bridge
1.54 → 2.15
Residual
-12.1%
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.