Financial Services / Credit ServicesOslo
$21.55
-0.55 (-2.41%)
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 25.0/100
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
49/100
C
Piotroski
6/9
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
$8.0B
P/E
12.2x
↓EV/EBITDA
N/A
•ROE
10.9%
↑Gross Margin
N/A
•Debt/Equity
1.84
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+12.0%
FCF CAGR
+14.2%
FCF margin
138.8%
FCF / Net income
7.47x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $3.34B · net income $621.0M · FCF $4.64B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $3.34B | $3.34B | $2.66B | $2.44B | $2.38B |
| Net Income | $621.0M | $621.0M | $277.0M | $363.0M | $326.0M |
| EPS | 1.66 | 1.66 | 0.75 | 0.94 | 0.82 |
| Net Margin | 18.6% | 18.6% | 10.4% | 14.9% | 13.7% |
| Balance Sheet | |||||
| Debt/Equity | 1.84 | 1.84 | 1.77 | 1.90 | 1.99 |
| Current Ratio | 12.53 | 12.53 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $4.64B | $4.64B | $3.72B | $4.43B | $3.12B |
| Returns | |||||
| ROE | 10.9% | 10.9% | 4.9% | 6.5% | 6.3% |
| Valuation | |||||
| P/E | 12.18 | 12.18 | 13.44 | 7.77 | 9.17 |
| P/B | 1.41 | 1.41 | 0.66 | 0.51 | 0.57 |
| Growth & Yield | |||||
| Revenue Growth | 25.8% | 25.8% | 8.7% | 2.8% | — |
| EPS Growth | 121.3% | 121.3% | -20.2% | 14.6% | — |
| Dividend Yield | 8.5% | 8.5% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
4.8%
EPS terminal req.
$1.91
Spread vs growth
116.5%
5Y implied EPS CAGR
6.9%
EPS terminal req.
$2.31
Spread vs growth
114.5%
10Y implied EPS CAGR
8.4%
EPS terminal req.
$3.73
Spread vs growth
112.9%
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
+85.4%
Start / end P/E
16.8x → 13.4x
EPS bridge
0.75 → 1.66
Residual
-24.4%
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.