Financial Services / Banks - RegionalNYSE
$7.30
+0.10 (+1.39%)
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
43/100
C
Piotroski
3/9
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
$1.2B
P/E
6.8x
↓EV/EBITDA
N/A
•ROE
31.7%
↑Gross Margin
N/A
•Debt/Equity
0.51
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+40.5%
FCF CAGR
—
FCF margin
-8.8%
FCF / Net income
-0.55x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $6.47B · net income $1.04B · FCF $-572.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $6.47B | $6.47B | $4.80B | $3.20B | $2.33B |
| Net Income | $1.04B | $1.04B | $791.0M | $422.0M | $168.9M |
| EPS | 6.49 | 6.49 | 4.95 | 2.64 | 1.06 |
| Net Margin | 16.1% | 16.1% | 16.5% | 13.2% | 7.2% |
| Balance Sheet | |||||
| Debt/Equity | 0.51 | 0.51 | 0.53 | 0.44 | — |
| Current Ratio | 1.52 | 1.52 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-572.0M | $-572.0M | $379.2M | $-113.7M | $511.4M |
| Returns | |||||
| ROE | 31.7% | 31.7% | 33.5% | 32.3% | — |
| Valuation | |||||
| P/E | 6.76 | 6.76 | — | — | — |
| P/B | 0.36 | 0.36 | — | — | — |
| Growth & Yield | |||||
| Revenue Growth | 34.7% | 34.7% | 49.8% | 37.5% | — |
| EPS Growth | 31.2% | 31.2% | 87.4% | 149.9% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-53.6%
EPS terminal req.
$0.65
Spread vs growth
84.8%
5Y implied EPS CAGR
-34.5%
EPS terminal req.
$0.78
Spread vs growth
65.7%
10Y implied EPS CAGR
-15.1%
EPS terminal req.
$1.26
Spread vs growth
46.3%
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
-32.1%
Start / end P/E
2.2x → 1.1x
EPS bridge
4.95 → 6.49
Residual
-15.1%
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.