Financial Services / Credit ServicesBSE
$2.05
-0.01 (-0.48%)
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 23.0/100
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
39/100
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
$389M
P/E
22.8x
↑EV/EBITDA
24.5x
↑ROE
1.8%
↓Gross Margin
75.0%
↑Debt/Equity
0.11
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+15.8%
FCF CAGR
—
FCF margin
-371.0%
FCF / Net income
-26.91x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $36.8M · net income $5.1M · FCF $-136.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $36.8M | $36.8M | $31.0M | $24.2M | $23.7M |
| Net Income | $5.1M | $5.1M | $9.4M | $7.7M | $13.2M |
| EBITDA | $11.7M | $11.7M | $17.4M | $14.3M | $12.8M |
| EPS | 0.04 | 0.04 | 0.08 | 0.06 | 0.10 |
| Gross Margin | 75.0% | 75.0% | 72.3% | 81.5% | 65.3% |
| Operating Margin | 49.8% | 49.8% | 46.2% | 52.7% | 48.9% |
| Net Margin | 13.8% | 13.8% | 30.2% | 31.9% | 55.6% |
| Balance Sheet | |||||
| Debt/Equity | 0.11 | 0.11 | 0.15 | 0.27 | 0.22 |
| Cash Flow | |||||
| Free Cash Flow | $-136.5M | $-136.5M | $10.9M | $-16.8M | $19.0M |
| Returns | |||||
| ROE | 1.8% | 1.8% | 6.0% | 5.3% | 9.5% |
| Valuation | |||||
| P/E | 22.78 | 22.78 | — | — | — |
| EV/EBITDA | 24.49 | 24.49 | — | — | — |
| P/B | 0.91 | 0.91 | — | — | — |
| Growth & Yield | |||||
| Revenue Growth | 18.5% | 18.5% | 28.0% | 2.3% | — |
| EPS Growth | -50.0% | -50.0% | 25.5% | -36.4% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
65.7%
EPS terminal req.
$0.18
Spread vs growth
-115.7%
5Y implied EPS CAGR
40.6%
EPS terminal req.
$0.22
Spread vs growth
-90.6%
10Y implied EPS CAGR
24.4%
EPS terminal req.
$0.35
Spread vs growth
-74.4%
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
+7.2%
Start / end P/E
24.3x → 52.0x
EPS bridge
0.08 → 0.04
Residual
-57.2%
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.