Financial Services / Mortgage FinanceToronto
$11.73
-0.11 (-0.93%)
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 38.0/100
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
37/100
D
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
$565M
P/E
11.4x
↓EV/EBITDA
N/A
•ROE
9.3%
↑Gross Margin
N/A
•Debt/Equity
0.22
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+3.7%
FCF CAGR
-33.1%
FCF margin
31.1%
FCF / Net income
0.35x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $55.8M · net income $49.1M · FCF $17.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $55.8M | $55.8M | $62.7M | $64.2M | $50.1M |
| Net Income | $49.1M | $49.1M | $47.9M | $51.5M | $46.3M |
| EPS | — | — | 1.05 | 1.14 | 1.06 |
| Net Margin | 87.9% | 87.9% | 76.3% | 80.2% | 92.4% |
| Balance Sheet | |||||
| Debt/Equity | 0.22 | 0.22 | 0.29 | 0.35 | 0.36 |
| Current Ratio | 105.99 | 105.99 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $17.4M | $17.4M | $68.1M | $34.9M | $58.1M |
| Returns | |||||
| ROE | 9.3% | 9.3% | 9.3% | 10.7% | 9.7% |
| Valuation | |||||
| P/E | 11.39 | 11.39 | 10.54 | 9.23 | 10.08 |
| P/B | 1.07 | 1.07 | 1.17 | 1.18 | 1.19 |
| Growth & Yield | |||||
| Revenue Growth | -11.0% | -11.0% | -2.3% | 28.0% | — |
| EPS Growth | — | — | -7.9% | 7.5% | — |
| Dividend Yield | 7.9% | 7.9% | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
+13.0%
Start / end P/E
n/dx → n/dx
EPS bridge
1.05 → n/d
Residual
+5.1%
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.