Financial Services / Insurance - Property & CasualtyNYSE
$16.60
+0.24 (+1.47%)
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
35/100
D
Piotroski
7/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
12/100
SEC 0%
Sin guardar todavía.
Market Cap
$325M
P/E
3.4x
↓EV/EBITDA
N/A
•ROE
29.6%
↑Gross Margin
N/A
•Debt/Equity
0.00
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2025 · 2 años de histórico normalizado
Revenue CAGR
+17.3%
FCF CAGR
+44.6%
FCF margin
48.2%
FCF / Net income
1.34x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $276.5M · net income $99.6M · FCF $133.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Income Statement | ||||
| Revenue | $276.5M | $276.5M | $204.4M | $200.9M |
| Net Income | $99.6M | $99.6M | $39.7M | $37.8M |
| EPS | 5.65 | 5.65 | 1.94 | 1.84 |
| Net Margin | 36.0% | 36.0% | 19.4% | 18.8% |
| Balance Sheet | ||||
| Debt/Equity | 0.00 | 0.00 | 0.02 | 0.05 |
| Current Ratio | 1.51 | 1.51 | — | — |
| Cash Flow | ||||
| Free Cash Flow | $133.2M | $133.2M | $147.6M | $63.7M |
| Returns | ||||
| ROE | 29.6% | 29.6% | 24.5% | 28.2% |
| Valuation | ||||
| P/E | 3.43 | 3.43 | — | — |
| P/B | 0.85 | 0.85 | — | — |
| Growth & Yield | ||||
| Revenue Growth | 35.3% | 35.3% | 1.7% | — |
| EPS Growth | 190.9% | 190.9% | 5.3% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-36.1%
EPS terminal req.
$1.47
Spread vs growth
227.0%
5Y implied EPS CAGR
-20.6%
EPS terminal req.
$1.78
Spread vs growth
211.5%
10Y implied EPS CAGR
-6.5%
EPS terminal req.
$2.87
Spread vs growth
197.5%
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
+0.2%
Start / end P/E
8.5x → 2.9x
EPS bridge
1.94 → 5.65
Residual
-125.2%
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.