Financial Services / Insurance - SpecialtyNasdaqGS
$30.44
-0.21 (-0.69%)
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 75.0/100
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
24/100
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
$569M
P/E
12.5x
↓EV/EBITDA
N/A
•ROE
18.7%
↑Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+0.7%
FCF CAGR
-6.5%
FCF margin
2.8%
FCF / Net income
0.19x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $317.3M · net income $47.1M · FCF $8.9M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $317.3M | $317.3M | $309.1M | $306.9M | $294.7M | $315.9M | $339.5M | $370.4M | $377.8M | $375.2M | $396.7M | $401.0M | $404.0M | $356.3M | $321.2M | $280.7M | $248.2M | $282.2M |
| Net Income | $47.1M | $47.1M | $55.4M | $62.1M | $55.6M | $65.8M | $86.6M | $92.7M | $71.6M | $46.2M | $77.9M | $70.5M | $53.7M | $43.6M | $29.4M | $24.2M | $34.5M | $47.6M |
| EPS | 2.47 | 2.47 | 2.89 | 3.23 | 2.88 | 3.39 | 4.47 | 4.80 | 3.71 | 2.40 | 4.05 | 3.69 | 2.84 | 2.32 | 1.58 | 1.29 | 1.81 | 2.28 |
| Net Margin | 14.9% | 14.9% | 17.9% | 20.2% | 18.9% | 20.8% | 25.5% | 25.0% | 19.0% | 12.3% | 19.6% | 17.6% | 13.3% | 12.2% | 9.1% | 8.6% | 13.9% | 16.9% |
| Balance Sheet | ||||||||||||||||||
| Current Ratio | 1.92 | 1.92 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $8.9M | $8.9M | $23.4M | $29.3M | $26.1M | $36.7M | $62.5M | $77.8M | $97.1M | $130.3M | $112.6M | — | — | — | $79.9M | $42.6M | $41.6M | $26.3M |
| Returns | ||||||||||||||||||
| ROE | 18.7% | 18.7% | 21.5% | 21.2% | 17.5% | 16.5% | 19.7% | 21.5% | 17.5% | 10.9% | 17.1% | 15.5% | 12.0% | 10.5% | 7.7% | 6.9% | 10.5% | 15.5% |
| Valuation | ||||||||||||||||||
| P/E | 12.53 | 12.53 | 17.64 | 14.45 | 18.02 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 2.31 | 2.31 | 3.79 | 3.07 | 3.16 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 2.6% | 2.6% | 0.7% | 4.1% | — | -6.9% | -8.3% | -2.0% | 0.7% | -5.4% | -1.1% | -0.8% | 13.4% | 10.9% | 14.5% | 13.1% | -12.1% | — |
| EPS Growth | -14.5% | -14.5% | -10.5% | 12.2% | — | -24.2% | -6.9% | 29.4% | 54.6% | -40.7% | 9.8% | 29.9% | 22.4% | 46.8% | 22.5% | -28.7% | -20.6% | — |
| Dividend Yield | 5.3% | 5.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.0%
EPS terminal req.
$2.70
Spread vs growth
-17.6%
5Y implied EPS CAGR
5.8%
EPS terminal req.
$3.27
Spread vs growth
-20.3%
10Y implied EPS CAGR
7.9%
EPS terminal req.
$5.26
Spread vs growth
-22.4%
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
-30.5%
Start / end P/E
16.4x → 12.3x
EPS bridge
2.89 → 2.47
Residual
+3.6%
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.