Financial Services / Credit ServicesBSE
$10.40
-0.27 (-2.53%)
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 28.0/100
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
37/100
D
Piotroski
5/9
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
7.6x
↓EV/EBITDA
18.7x
↑ROE
7.5%
↑Gross Margin
34.3%
↓Debt/Equity
1.43
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+19.9%
FCF CAGR
-81.2%
FCF margin
0.3%
FCF / Net income
0.02x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $809.0M · net income $134.5M · FCF $2.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $809.0M | $809.0M | $633.0M | $533.3M | $469.9M |
| Net Income | $134.5M | $134.5M | $129.2M | $103.8M | $87.9M |
| EBITDA | $198.4M | $198.4M | $185.8M | $166.5M | $124.4M |
| EPS | 1.10 | 1.10 | 1.07 | 0.96 | 0.72 |
| Gross Margin | 34.3% | 34.3% | 38.7% | 46.9% | 41.9% |
| Operating Margin | 23.6% | 23.6% | 24.2% | 30.6% | 25.6% |
| Net Margin | 16.6% | 16.6% | 20.4% | 19.5% | 18.7% |
| Balance Sheet | |||||
| Debt/Equity | 1.43 | 1.43 | 1.45 | 1.10 | 1.10 |
| Current Ratio | 25.27 | 25.27 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $2.2M | $2.2M | $-250.6M | $51.8M | $337.0M |
| Returns | |||||
| ROE | 7.5% | 7.5% | 7.7% | 6.7% | 6.0% |
| Valuation | |||||
| P/E | 7.65 | 7.65 | 20.85 | 36.62 | 30.44 |
| EV/EBITDA | 18.68 | 18.68 | 25.82 | 32.45 | 33.66 |
| P/B | 0.71 | 0.71 | 1.62 | 2.44 | 1.83 |
| Growth & Yield | |||||
| Revenue Growth | 27.8% | 27.8% | 18.7% | 13.5% | — |
| EPS Growth | 3.7% | 3.7% | 11.3% | 32.5% | — |
| Dividend Yield | 0.9% | 0.9% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-5.8%
EPS terminal req.
$0.92
Spread vs growth
9.5%
5Y implied EPS CAGR
0.2%
EPS terminal req.
$1.12
Spread vs growth
3.5%
10Y implied EPS CAGR
5.0%
EPS terminal req.
$1.80
Spread vs growth
-1.3%
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
-4.1%
Start / end P/E
10.3x → 9.4x
EPS bridge
1.07 → 1.10
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.