Financial Services / Credit ServicesBSE
$60.61
-0.23 (-0.38%)
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 44.0/100
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
57/100
C
Piotroski
2/9
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
$455M
P/E
4.3x
↓EV/EBITDA
6.0x
↓ROE
11.7%
↑Gross Margin
87.3%
↑Debt/Equity
0.26
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2026 · 3 años de histórico normalizado
Revenue CAGR
+14.4%
FCF CAGR
—
FCF margin
-64.7%
FCF / Net income
-0.83x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $136.9M · net income $106.7M · FCF $-88.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $136.9M | $136.9M | $133.0M | $110.3M | $91.5M |
| Net Income | $106.7M | $106.7M | $89.0M | $77.0M | $50.2M |
| EBITDA | $110.7M | $110.7M | $107.4M | $93.5M | $60.7M |
| EPS | — | — | 11.87 | 10.27 | 6.69 |
| Gross Margin | 87.3% | 87.3% | 86.3% | 82.3% | 82.3% |
| Operating Margin | 80.7% | 80.7% | 80.3% | 84.3% | 64.9% |
| Net Margin | 77.9% | 77.9% | 66.9% | 69.8% | 54.8% |
| Balance Sheet | |||||
| Debt/Equity | 0.26 | 0.26 | 0.10 | 0.11 | 0.12 |
| Current Ratio | 290.42 | 290.42 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-88.6M | $-88.6M | $4.7M | $14.1M | $-18.2M |
| Returns | |||||
| ROE | 11.7% | 11.7% | 11.1% | 10.9% | 8.1% |
| Valuation | |||||
| P/E | 4.26 | 4.26 | 5.80 | 6.04 | 7.66 |
| EV/EBITDA | 6.02 | 6.02 | 5.47 | 5.71 | 7.47 |
| P/B | 0.50 | 0.50 | 0.65 | 0.66 | 0.62 |
| Growth & Yield | |||||
| Revenue Growth | 3.0% | 3.0% | 20.6% | 20.5% | — |
| EPS Growth | — | — | 15.6% | 53.5% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
-16.8%
Start / end P/E
n/dx → n/dx
EPS bridge
11.87 → n/d
Residual
-16.8%
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.