Financial Services / Credit ServicesNYSE
$313.11
-3.36 (-1.06%)
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
40/100
C
Piotroski
4/9
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
$213.6B
P/E
19.6x
↑EV/EBITDA
N/A
•ROE
32.4%
↑Gross Margin
N/A
•Debt/Equity
1.73
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
+13.5%
FCF CAGR
+4.6%
FCF margin
22.2%
FCF / Net income
1.48x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $72.23B · net income $10.83B · FCF $16.00B
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 | $72.23B | $72.23B | $65.95B | $60.52B | $52.86B | $27.72B | $21.97B | $28.16B | $26.61B | $24.78B | $35.44B | $32.82B | $7.18B | $7.00B | $6.85B | $6.70B | $27.82B | $24.52B | $28.36B | $7.42B |
| Net Income | $10.83B | $10.83B | $10.13B | $8.37B | $7.51B | $8.06B | $3.13B | $6.76B | $6.92B | $2.75B | $5.38B | $5.16B | $5.88B | $5.36B | $4.48B | $4.93B | $4.06B | $2.13B | $2.70B | $4.01B |
| EBITDA | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | $3.91B | $4.29B | $6.34B |
| EPS | 15.38 | 15.38 | 14.01 | 11.21 | 9.85 | 10.02 | 3.77 | 7.99 | — | — | — | — | — | 4.88 | 3.89 | 4.12 | 3.35 | 1.54 | 2.32 | 3.34 |
| Operating Margin | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 11.6% | 12.6% | 76.7% |
| Net Margin | 15.0% | 15.0% | 15.4% | 13.8% | 14.2% | 29.1% | 14.3% | 24.0% | 26.0% | 11.1% | 15.2% | 15.7% | 82.0% | 76.5% | 65.4% | 73.7% | 14.6% | 8.7% | 9.5% | 54.0% |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 1.73 | 1.73 | 1.69 | 1.75 | 1.78 | 1.74 | 1.87 | 2.51 | 2.62 | 3.06 | 2.29 | 2.32 | 2.80 | 2.84 | 3.12 | 3.17 | 3.53 | 6.12 | 5.07 | — |
| Current Ratio | 1.57 | 1.57 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $16.00B | $16.00B | $12.14B | $17.00B | $19.22B | $13.10B | $4.11B | $11.99B | $7.62B | $12.48B | — | — | — | — | — | $9.29B | $8.06B | $5.62B | $6.80B | $7.07B |
| Returns | ||||||||||||||||||||
| ROE | 32.4% | 32.4% | 33.5% | 29.8% | 30.4% | 36.3% | 13.6% | 29.3% | 31.0% | 15.0% | 26.2% | 25.0% | 28.5% | 27.5% | 23.7% | 26.3% | 21.6% | 16.9% | 22.8% | 36.4% |
| Valuation | ||||||||||||||||||||
| P/E | 19.56 | 19.56 | 21.63 | 16.87 | 15.25 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 6.51 | 6.51 | 7.14 | 4.96 | 4.57 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | 9.5% | 9.5% | 9.0% | 14.5% | — | 26.1% | -22.0% | 5.8% | 7.4% | -30.1% | 8.0% | 357.1% | 2.5% | 2.2% | 2.4% | -75.9% | 13.4% | -13.5% | 282.1% | — |
| EPS Growth | 9.8% | 9.8% | 25.0% | 13.8% | — | 165.8% | -52.8% | — | — | — | — | — | — | 25.4% | -5.6% | 23.0% | 117.5% | -33.6% | -30.5% | — |
| Dividend Yield | 1.2% | 1.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
21.8%
EPS terminal req.
$27.78
Spread vs growth
-12.0%
5Y implied EPS CAGR
16.9%
EPS terminal req.
$33.62
Spread vs growth
-7.1%
10Y implied EPS CAGR
13.4%
EPS terminal req.
$54.14
Spread vs growth
-3.6%
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
+7.7%
Start / end P/E
21.0x → 20.4x
EPS bridge
14.01 → 15.38
Residual
-0.3%
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.