Financial Services / Insurance BrokersNYSE
$318.36
-2.05 (-0.64%)
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
46/100
C
Piotroski
7/9
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
$68.0B
P/E
17.5x
↑EV/EBITDA
12.8x
↓ROE
39.5%
↑Gross Margin
47.7%
↓Debt/Equity
1.72
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
+4.9%
FCF CAGR
+6.2%
FCF margin
18.7%
FCF / Net income
0.87x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $17.18B · net income $3.69B · FCF $3.22B
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 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||||
| Revenue | $17.18B | $17.18B | $15.70B | $13.38B | $12.48B | $12.19B | $11.07B | $11.01B | $10.77B | $10.00B | $9.41B | $9.48B | $12.04B | $11.81B | $11.51B | $11.29B | $8.51B | $7.59B | $7.53B | $7.23B |
| Net Income | $3.69B | $3.69B | $2.65B | $2.56B | $2.59B | $1.25B | $1.97B | $1.53B | $1.17B | $1.26B | $1.43B | $1.42B | $1.43B | $1.15B | $1.02B | $1.01B | $706.0M | $747.0M | $1.46B | $864.0M |
| EBITDA | $6.54B | $6.54B | $4.94B | $3.91B | $3.83B | — | — | — | $1.72B | $1.25B | $1.97B | $1.75B | $2.21B | $1.91B | $1.83B | $1.82B | $1.40B | $1.17B | — | — |
| EPS | 17.02 | 17.02 | 12.49 | 12.51 | 12.14 | 5.55 | 8.45 | 6.37 | 4.59 | 4.70 | 5.16 | 4.88 | 4.66 | 3.53 | 2.99 | 2.87 | 2.37 | 2.57 | 4.80 | 2.66 |
| Gross Margin | 47.7% | 47.7% | 47.2% | 48.4% | 48.1% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | 27.4% | 27.4% | 26.9% | 29.3% | 29.4% | 17.1% | 25.1% | 19.7% | 14.3% | 10.7% | 19.2% | 16.7% | 16.3% | 14.1% | 13.9% | 14.1% | 14.6% | 13.4% | 12.5% | 13.9% |
| Net Margin | 21.5% | 21.5% | 16.9% | 19.2% | 20.7% | 10.3% | 17.8% | 13.9% | 10.9% | 12.6% | 15.2% | 15.0% | 11.9% | 9.7% | 8.9% | 8.9% | 8.3% | 9.8% | 19.4% | 11.9% |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 1.72 | 1.72 | 2.92 | -14.57 | -22.07 | 7.75 | 2.08 | 1.96 | 1.44 | 1.24 | 1.07 | 0.86 | 0.73 | 0.45 | 0.48 | 0.51 | 0.49 | 0.37 | 0.35 | — |
| Current Ratio | 1.07 | 1.07 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $3.22B | $3.22B | $2.82B | $3.18B | $3.02B | $2.04B | $2.64B | $1.61B | $1.45B | $551.0M | $2.17B | $1.81B | $1.56B | $1.52B | $1.15B | $777.0M | $603.0M | $360.0M | $865.0M | $1.09B |
| Returns | ||||||||||||||||||||
| ROE | 39.5% | 39.5% | 43.4% | -310.4% | -489.4% | 118.3% | 56.3% | 45.4% | 28.3% | 27.6% | 26.1% | 23.7% | 21.8% | 14.1% | 13.1% | 12.5% | 8.6% | 13.9% | 27.5% | — |
| Valuation | ||||||||||||||||||||
| P/E | 17.46 | 17.46 | 28.34 | 23.15 | 25.32 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| EV/EBITDA | 12.84 | 12.84 | 18.64 | 18.07 | 20.00 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 7.39 | 7.39 | 12.29 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | 9.4% | 9.4% | 17.4% | 7.2% | — | 10.2% | 0.5% | 2.3% | 7.7% | 6.3% | -0.7% | -21.3% | 1.9% | 2.6% | 2.0% | 32.6% | 12.1% | 0.9% | 4.1% | — |
| EPS Growth | 36.3% | 36.3% | -0.2% | 3.0% | — | -34.3% | 32.7% | 38.8% | -2.3% | -8.9% | 5.7% | 4.7% | 32.0% | 18.1% | 4.2% | 21.1% | -7.8% | -46.5% | 80.5% | — |
| Dividend Yield | 1.0% | 1.0% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
18.4%
EPS terminal req.
$28.25
Spread vs growth
17.9%
5Y implied EPS CAGR
15.0%
EPS terminal req.
$34.18
Spread vs growth
21.3%
10Y implied EPS CAGR
12.5%
EPS terminal req.
$55.05
Spread vs growth
23.8%
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
-14.3%
Start / end P/E
30.1x → 18.7x
EPS bridge
12.49 → 17.02
Residual
-13.7%
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.