Financial Services / Credit ServicesBSE
$158.00
+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 59.0/100
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
28/100
D
Piotroski
2/9
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
$1.6B
P/E
1.4x
↓EV/EBITDA
544.2x
↑ROE
8.7%
↑Gross Margin
84.5%
↑Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-4.6%
FCF CAGR
—
FCF margin
15.1%
FCF / Net income
0.00x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $5.6M · net income $1.04B · FCF $849350.0
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $5.6M | $5.6M | $5.5M | $5.9M | $6.5M |
| Net Income | $1.04B | $1.04B | $1.19B | $1.72B | $2.09B |
| EBITDA | $3.0M | $3.0M | $2.9M | $3.0M | $4.1M |
| EPS | 102.13 | 102.13 | 116.45 | 168.74 | 204.78 |
| Gross Margin | 84.5% | 84.5% | 85.0% | 77.6% | 91.9% |
| Operating Margin | 52.3% | 52.3% | 52.9% | 51.5% | 63.0% |
| Net Margin | 18535.1% | 18535.1% | 21743.4% | 29199.8% | 32233.7% |
| Balance Sheet | |||||
| Debt/Equity | — | — | — | — | 0.00 |
| Cash Flow | |||||
| Free Cash Flow | $849350.00 | $849350.00 | $-2480.00 | $19.0M | $-5.5M |
| Returns | |||||
| ROE | 8.7% | 8.7% | 11.0% | 18.3% | 28.2% |
| Valuation | |||||
| P/E | 1.37 | 1.37 | 1.85 | 0.80 | 0.59 |
| EV/EBITDA | 544.21 | 544.21 | 756.29 | 452.70 | 306.18 |
| P/B | 0.13 | 0.13 | 0.20 | 0.15 | 0.17 |
| Growth & Yield | |||||
| Revenue Growth | 2.9% | 2.9% | -7.3% | -9.0% | — |
| EPS Growth | -12.3% | -12.3% | -31.0% | -17.6% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-48.4%
EPS terminal req.
$14.02
Spread vs growth
36.1%
5Y implied EPS CAGR
-30.2%
EPS terminal req.
$16.96
Spread vs growth
17.9%
10Y implied EPS CAGR
-12.4%
EPS terminal req.
$27.32
Spread vs growth
0.1%
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
-27.4%
Start / end P/E
1.9x → 1.5x
EPS bridge
116.45 → 102.13
Residual
+2.1%
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.