Financial Services / Insurance - LifeNYSE
$112.72
+0.30 (+0.27%)
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 85.0/100
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
26/100
D
Piotroski
3/9
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
$57.4B
P/E
12.9x
↑EV/EBITDA
N/A
•ROE
12.4%
↑Gross Margin
N/A
•Debt/Equity
0.29
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
+0.7%
FCF CAGR
—
FCF margin
14.7%
FCF / Net income
0.70x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $17.36B · net income $3.65B · FCF $2.56B
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 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||||
| Revenue | $17.36B | $17.36B | $19.13B | $18.84B | $19.15B | $21.55B | $22.15B | $22.31B | $21.76B | $21.67B | $22.56B | $20.87B | $22.73B | $23.94B | $25.36B | $22.17B | $20.73B | $18.25B | $16.55B | $15.39B |
| Net Income | $3.65B | $3.65B | $5.44B | $4.66B | $4.42B | $4.23B | $4.78B | $3.30B | $2.92B | $4.60B | $2.66B | $2.53B | $2.95B | $3.16B | $2.87B | $1.94B | $2.33B | $1.50B | $1.25B | $1.63B |
| EBITDA | — | — | — | — | — | $4.98B | $4.46B | $4.50B | $4.40B | $4.14B | $4.17B | $4.05B | $4.31B | $4.47B | $4.72B | $4.57B | $4.07B | $3.52B | — | — |
| EPS | 6.82 | 6.82 | 9.63 | 7.78 | 6.93 | 6.25 | 6.67 | 4.43 | 3.77 | 5.77 | 3.21 | 2.92 | 3.25 | 3.38 | 3.06 | 2.06 | 2.46 | 1.59 | 1.31 | 1.66 |
| Operating Margin | — | — | — | — | — | 22.9% | 19.9% | 20.0% | 20.0% | 18.9% | 18.2% | 19.2% | 18.7% | 18.4% | 18.4% | 20.3% | 19.2% | 18.8% | — | — |
| Net Margin | 21.0% | 21.0% | 28.5% | 24.7% | 23.1% | 19.6% | 21.6% | 14.8% | 13.4% | 21.2% | 11.8% | 12.1% | 13.0% | 13.2% | 11.3% | 8.7% | 11.2% | 8.2% | 7.6% | 10.6% |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 0.29 | 0.29 | 0.29 | 0.33 | 0.37 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Current Ratio | 0.94 | 0.94 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $2.56B | $2.56B | $2.71B | $3.19B | $3.88B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||||
| ROE | 12.4% | 12.4% | 20.9% | 21.2% | 21.9% | 24.8% | 14.2% | 11.4% | 12.4% | 18.7% | 13.0% | 14.3% | 16.1% | 21.6% | 17.9% | 15.0% | 22.1% | 17.8% | 18.9% | — |
| Valuation | ||||||||||||||||||||
| P/E | 12.88 | 12.88 | 10.71 | 10.63 | 10.66 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 2.04 | 2.04 | 2.23 | 2.25 | 2.34 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | -9.3% | -9.3% | 1.5% | -1.6% | — | -2.7% | -0.7% | 2.5% | 0.4% | -4.0% | 8.1% | -8.2% | -5.1% | -5.6% | 14.4% | 6.9% | 13.6% | 10.3% | 7.5% | — |
| EPS Growth | -29.2% | -29.2% | 23.8% | 12.3% | — | -6.3% | 50.6% | 17.5% | -34.7% | 79.8% | 9.7% | -10.0% | -3.8% | 10.6% | 48.3% | -16.3% | 54.2% | 21.8% | -20.8% | — |
| Dividend Yield | 2.2% | 2.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
13.6%
EPS terminal req.
$10.00
Spread vs growth
-42.8%
5Y implied EPS CAGR
12.2%
EPS terminal req.
$12.10
Spread vs growth
-41.3%
10Y implied EPS CAGR
11.1%
EPS terminal req.
$19.49
Spread vs growth
-40.3%
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
+11.0%
Start / end P/E
10.8x → 16.5x
EPS bridge
9.63 → 6.82
Residual
-15.7%
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.