Financial Services / Banks - DiversifiedNYSE
$51.55
-0.05 (-0.10%)
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 40.0/100
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
33/100
D
Piotroski
5/9
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
$365.8B
P/E
12.8x
↑EV/EBITDA
N/A
•ROE
10.1%
↑Gross Margin
N/A
•Debt/Equity
1.21
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
+3.0%
FCF CAGR
—
FCF margin
11.2%
FCF / Net income
0.41x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $113.10B · net income $30.51B · FCF $12.61B
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 | $113.10B | $113.10B | $105.86B | $102.77B | $94.95B | $89.11B | $85.53B | $91.24B | $91.02B | $87.13B | $83.70B | $82.97B | $85.89B | $88.94B | $83.33B | $93.45B | $110.22B | $119.64B | $72.78B | $66.83B |
| Net Income | $30.51B | $30.51B | $26.97B | $26.30B | $27.53B | $31.98B | $17.89B | $27.43B | $28.15B | $18.23B | $17.82B | $15.91B | $5.52B | $11.43B | $4.19B | $1.45B | $-2.24B | $6.28B | $4.01B | $14.98B |
| EPS | 3.81 | 3.81 | 3.21 | 3.08 | 3.19 | 3.57 | 1.87 | 2.75 | 2.61 | 1.56 | 1.49 | 1.31 | 0.42 | 0.90 | 0.25 | 0.01 | -0.37 | -0.29 | 0.54 | 3.29 |
| Net Margin | 27.0% | 27.0% | 25.5% | 25.6% | 29.0% | 35.9% | 20.9% | 30.1% | 30.9% | 20.9% | 21.3% | 19.2% | 6.4% | 12.9% | 5.0% | 1.5% | -2.0% | 5.2% | 5.5% | 22.4% |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 1.21 | 1.21 | 1.11 | 1.15 | 1.11 | 1.04 | 0.96 | 0.91 | 0.86 | 0.85 | 0.81 | 0.93 | 1.00 | 1.07 | 1.16 | 1.62 | 1.96 | 2.26 | 1.52 | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $12.61B | $12.61B | $-8.80B | $44.98B | $-6.33B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||||
| ROE | 10.1% | 10.1% | 9.2% | 9.0% | 10.1% | 11.8% | 6.6% | 10.4% | 10.6% | 6.8% | 6.7% | 6.2% | 2.3% | 4.9% | 1.8% | 0.6% | -1.0% | 2.7% | 2.3% | 10.2% |
| Valuation | ||||||||||||||||||||
| P/E | 12.79 | 12.79 | 13.96 | 11.18 | 10.79 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.31 | 1.31 | 1.21 | 0.95 | 1.03 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | 6.8% | 6.8% | 3.0% | 8.2% | — | 4.2% | -6.3% | 0.2% | 4.5% | 4.1% | 0.9% | -3.4% | -3.4% | 6.7% | -10.8% | -15.2% | -7.9% | 64.4% | 8.9% | — |
| EPS Growth | 18.7% | 18.7% | 4.2% | -3.4% | — | 90.9% | -32.0% | 5.4% | 67.3% | 4.7% | 13.7% | 211.9% | -53.3% | 260.0% | 2400.0% | 102.7% | -27.6% | -153.7% | -83.6% | — |
| Dividend Yield | 2.2% | 2.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
6.3%
EPS terminal req.
$4.57
Spread vs growth
12.4%
5Y implied EPS CAGR
7.8%
EPS terminal req.
$5.53
Spread vs growth
10.9%
10Y implied EPS CAGR
8.9%
EPS terminal req.
$8.91
Spread vs growth
9.8%
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
+19.0%
Start / end P/E
13.7x → 13.5x
EPS bridge
3.21 → 3.81
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.