Financial Services / Credit ServicesBSE
$32.00
+0.00 (+0.00%)
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 10.0/100
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
45/100
C
Piotroski
5/9
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
$824M
P/E
23.2x
↑EV/EBITDA
20.8x
↑ROE
2.7%
↓Gross Margin
85.0%
↑Debt/Equity
0.15
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+11.1%
FCF CAGR
-17.6%
FCF margin
11.1%
FCF / Net income
0.34x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $109.1M · net income $35.5M · FCF $12.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $109.1M | $109.1M | $97.7M | $185.6M | $79.5M |
| Net Income | $35.5M | $35.5M | $17.1M | $124.2M | $26.5M |
| EBITDA | $45.1M | $45.1M | $26.4M | $165.2M | $43.9M |
| EPS | 1.38 | 1.38 | 0.66 | 4.82 | 1.03 |
| Gross Margin | 85.0% | 85.0% | 86.6% | 35.7% | 71.3% |
| Operating Margin | 41.4% | 41.4% | 25.8% | 88.3% | 52.2% |
| Net Margin | 32.5% | 32.5% | 17.5% | 66.9% | 33.4% |
| Balance Sheet | |||||
| Debt/Equity | 0.15 | 0.15 | 0.09 | 0.09 | 0.03 |
| Cash Flow | |||||
| Free Cash Flow | $12.1M | $12.1M | $-10.3M | $-84.5M | $21.6M |
| Returns | |||||
| ROE | 2.7% | 2.7% | 1.3% | 9.9% | 2.3% |
| Valuation | |||||
| P/E | 23.19 | 23.19 | 58.79 | 3.02 | 16.50 |
| EV/EBITDA | 20.79 | 20.79 | 42.17 | 2.90 | 10.52 |
| P/B | 0.63 | 0.63 | 0.78 | 0.30 | 0.39 |
| Growth & Yield | |||||
| Revenue Growth | 11.7% | 11.7% | -47.4% | 133.4% | — |
| EPS Growth | 109.1% | 109.1% | -86.3% | 368.0% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
27.2%
EPS terminal req.
$2.84
Spread vs growth
81.9%
5Y implied EPS CAGR
20.0%
EPS terminal req.
$3.44
Spread vs growth
89.1%
10Y implied EPS CAGR
14.9%
EPS terminal req.
$5.53
Spread vs growth
94.2%
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
-20.2%
Start / end P/E
60.8x → 23.2x
EPS bridge
0.66 → 1.38
Residual
-67.5%
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.