Financial Services / Credit ServicesBSE
$13.20
-0.19 (-1.37%)
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 15.0/100
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
49/100
C
Piotroski
4/9
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
$40M
P/E
23.2x
↑EV/EBITDA
17.1x
↑ROE
4.3%
↓Gross Margin
87.5%
↑Debt/Equity
0.15
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+16.8%
FCF CAGR
+32.7%
FCF margin
66.0%
FCF / Net income
1.33x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $3.9M · net income $1.9M · FCF $2.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $3.9M | $3.9M | $4.1M | $3.8M | $2.4M |
| Net Income | $1.9M | $1.9M | $1.9M | $1.3M | $593111.00 |
| EBITDA | $2.7M | $2.7M | $2.8M | $2.3M | $980314.00 |
| EPS | 0.64 | 0.64 | 0.62 | 0.45 | 0.20 |
| Gross Margin | 87.5% | 87.5% | 87.8% | 88.4% | 82.8% |
| Operating Margin | 70.0% | 70.0% | 67.9% | 64.0% | 38.0% |
| Net Margin | 49.5% | 49.5% | 45.7% | 35.0% | 24.3% |
| Balance Sheet | |||||
| Debt/Equity | 0.15 | 0.15 | 0.14 | 0.22 | 0.11 |
| Cash Flow | |||||
| Free Cash Flow | $2.6M | $2.6M | $1.9M | $40.8M | $1.1M |
| Returns | |||||
| ROE | 4.3% | 4.3% | 4.4% | 3.3% | 1.5% |
| Valuation | |||||
| P/E | 23.16 | 23.16 | — | — | — |
| EV/EBITDA | 17.09 | 17.09 | — | — | — |
| P/B | 0.89 | 0.89 | — | — | — |
| Growth & Yield | |||||
| Revenue Growth | -4.9% | -4.9% | 6.9% | 56.8% | — |
| EPS Growth | 3.2% | 3.2% | 37.8% | 125.0% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
22.3%
EPS terminal req.
$1.17
Spread vs growth
-19.1%
5Y implied EPS CAGR
17.2%
EPS terminal req.
$1.42
Spread vs growth
-14.0%
10Y implied EPS CAGR
13.6%
EPS terminal req.
$2.28
Spread vs growth
-10.3%
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
-2.8%
Start / end P/E
22.7x → 21.3x
EPS bridge
0.62 → 0.64
Residual
-0.2%
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.