Financial Services / Credit ServicesNasdaqGM
$7.74
+0.04 (+0.52%)
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
26/100
D
Piotroski
5/9
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
$186M
P/E
9.4x
↓EV/EBITDA
42.8x
↑ROE
15.4%
↑Gross Margin
49.1%
↓Debt/Equity
8.61
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2025 · 2 años de histórico normalizado
Revenue CAGR
+165.9%
FCF CAGR
—
FCF margin
-5.7%
FCF / Net income
-0.24x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $79.7M · net income $18.5M · FCF $-4.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Income Statement | ||||
| Revenue | $79.7M | $79.7M | $47.5M | $11.3M |
| Net Income | $18.5M | $18.5M | $4.4M | $-6.6M |
| EBITDA | $28.4M | $28.4M | $5.8M | $-7.4M |
| EPS | 0.75 | 0.75 | 0.19 | -0.29 |
| Gross Margin | 49.1% | 49.1% | 48.1% | 44.1% |
| Operating Margin | 13.3% | 13.3% | 10.1% | -65.9% |
| Net Margin | 23.2% | 23.2% | 9.3% | -58.4% |
| Balance Sheet | ||||
| Debt/Equity | 8.61 | 8.61 | 8.84 | 27.26 |
| Current Ratio | 1.14 | 1.14 | — | — |
| Cash Flow | ||||
| Free Cash Flow | $-4.5M | $-4.5M | $-11.9M | $-12.3M |
| Returns | ||||
| ROE | 15.4% | 15.4% | 9.5% | -51.8% |
| Valuation | ||||
| P/E | 9.44 | 9.44 | — | — |
| EV/EBITDA | 42.76 | 42.76 | — | — |
| P/B | 1.60 | 1.60 | — | — |
| Growth & Yield | ||||
| Revenue Growth | 67.9% | 67.9% | 321.0% | — |
| EPS Growth | 294.3% | 294.3% | 166.7% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-2.9%
EPS terminal req.
$0.69
Spread vs growth
297.2%
5Y implied EPS CAGR
2.1%
EPS terminal req.
$0.83
Spread vs growth
292.3%
10Y implied EPS CAGR
6.0%
EPS terminal req.
$1.34
Spread vs growth
288.4%
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
-38.8%
Start / end P/E
66.5x → 10.3x
EPS bridge
0.19 → 0.75
Residual
-248.7%
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.