Financial Services / Banks - DiversifiedNYSE
$23.25
-0.14 (-0.62%)
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 67.0/100
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
43/100
C
Piotroski
4/9
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
$129.5B
P/E
11.0x
↓EV/EBITDA
N/A
•ROE
18.3%
↑Gross Margin
N/A
•Debt/Equity
1.56
↑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
-14.8%
FCF margin
33.4%
FCF / Net income
1.25x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $39.41B · net income $10.51B · FCF $13.16B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $39.41B | $39.41B | $39.23B | $33.43B | $28.07B |
| Net Income | $10.51B | $10.51B | $10.05B | $8.02B | $6.36B |
| EPS | 1.76 | 1.76 | 1.68 | 1.29 | 0.98 |
| Net Margin | 26.7% | 26.7% | 25.6% | 24.0% | 22.7% |
| Balance Sheet | |||||
| Debt/Equity | 1.56 | 1.56 | 1.36 | 1.44 | 1.28 |
| Cash Flow | |||||
| Free Cash Flow | $13.16B | $13.16B | $-20.20B | $-2.54B | $21.28B |
| Returns | |||||
| ROE | 18.3% | 18.3% | 18.1% | 15.5% | 13.6% |
| Valuation | |||||
| P/E | 11.02 | 11.02 | 5.73 | 7.20 | 6.73 |
| P/B | 2.33 | 2.33 | 1.00 | 1.07 | 0.87 |
| Growth & Yield | |||||
| Revenue Growth | 0.5% | 0.5% | 17.4% | 19.1% | — |
| EPS Growth | 4.8% | 4.8% | 30.2% | 31.6% | — |
| Dividend Yield | 4.6% | 4.6% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
5.4%
EPS terminal req.
$2.06
Spread vs growth
-0.7%
5Y implied EPS CAGR
7.2%
EPS terminal req.
$2.50
Spread vs growth
-2.5%
10Y implied EPS CAGR
8.6%
EPS terminal req.
$4.02
Spread vs growth
-3.8%
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
+59.2%
Start / end P/E
9.0x → 13.2x
EPS bridge
1.68 → 1.76
Residual
+2.3%
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.