Financial Services / Insurance - Property & CasualtyNYSE
$19.51
+0.00 (+0.00%)
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 47.0/100
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
34/100
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
$937M
P/E
10.2x
↓EV/EBITDA
N/A
•ROE
12.0%
↑Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2025 · 2 años de histórico normalizado
Revenue CAGR
+32.6%
FCF CAGR
+31.0%
FCF margin
34.7%
FCF / Net income
1.99x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $424.3M · net income $74.0M · FCF $147.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Income Statement | ||||
| Revenue | $424.3M | $424.3M | $343.8M | $241.3M |
| Net Income | $74.0M | $74.0M | $47.1M | $10.0M |
| EPS | 1.58 | 1.58 | 0.99 | 0.21 |
| Net Margin | 17.4% | 17.4% | 13.7% | 4.2% |
| Balance Sheet | ||||
| Current Ratio | 1.67 | 1.67 | — | — |
| Cash Flow | ||||
| Free Cash Flow | $147.2M | $147.2M | $125.6M | $85.7M |
| Returns | ||||
| ROE | 12.0% | 12.0% | 11.8% | 3.1% |
| Valuation | ||||
| P/E | 10.16 | 10.16 | — | — |
| P/B | 1.47 | 1.47 | — | — |
| Growth & Yield | ||||
| Revenue Growth | 23.4% | 23.4% | 42.5% | — |
| EPS Growth | 59.1% | 59.1% | 378.8% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.1%
EPS terminal req.
$1.73
Spread vs growth
56.0%
5Y implied EPS CAGR
5.8%
EPS terminal req.
$2.09
Spread vs growth
53.3%
10Y implied EPS CAGR
7.9%
EPS terminal req.
$3.37
Spread vs growth
51.3%
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
-20.9%
Start / end P/E
24.9x → 12.3x
EPS bridge
0.99 → 1.58
Residual
-29.8%
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.