Financial Services / Banks - DiversifiedNYSE
$137.16
-1.13 (-0.80%)
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 35.0/100
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
48/100
C
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
$94.1B
P/E
17.0x
↑EV/EBITDA
N/A
•ROE
12.5%
↑Gross Margin
N/A
•Debt/Equity
0.77
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
+7.2%
FCF CAGR
+1.9%
FCF margin
26.2%
FCF / Net income
0.93x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $19.76B · net income $5.55B · FCF $5.18B
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 | $19.76B | $19.76B | $18.26B | $17.34B | $16.19B | $15.93B | $15.81B | $16.46B | $16.39B | $15.54B | $3.58B | $15.13B | $15.61B | $14.97B | $14.53B | $14.68B | $13.82B | $7.65B | $13.57B | $5.67B |
| Net Income | $5.55B | $5.55B | $4.53B | $3.30B | $2.56B | $3.76B | $3.62B | $4.44B | $4.27B | $4.09B | $3.55B | $3.16B | $2.57B | $2.10B | $2.44B | $2.52B | $2.52B | $-814.0M | $1.43B | $2.21B |
| EPS | 7.40 | 7.40 | 5.80 | 4.00 | 2.90 | 4.14 | 3.83 | 4.51 | 4.04 | 3.72 | 3.15 | 2.71 | 2.15 | 1.73 | 2.03 | 2.03 | 2.05 | -1.16 | 1.20 | 2.17 |
| Net Margin | 28.1% | 28.1% | 24.8% | 19.0% | 15.8% | 23.6% | 22.9% | 27.0% | 26.0% | 26.3% | 99.2% | 20.9% | 16.4% | 14.1% | 16.8% | 17.1% | 18.2% | -10.6% | 10.5% | 39.0% |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 0.77 | 0.77 | 0.76 | 0.78 | 0.76 | 0.60 | 0.57 | 0.66 | 0.72 | 0.68 | 0.63 | 0.57 | 0.54 | 0.53 | 0.51 | 0.60 | 0.51 | 0.59 | 0.63 | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $5.18B | $5.18B | $-782.0M | $4.69B | $13.72B | $1.62B | $3.82B | $-1.11B | $4.89B | $3.47B | $5.44B | $3.53B | $3.69B | $-1.25B | $977.0M | $1.57B | $3.82B | $3.46B | $2.61B | $3.66B |
| Returns | ||||||||||||||||||||
| ROE | 12.5% | 12.5% | 11.0% | 8.1% | 6.3% | 8.7% | 7.9% | 10.7% | 10.5% | 9.9% | 9.1% | 8.3% | 6.9% | 5.6% | 6.7% | 7.5% | 7.8% | -2.8% | 5.7% | — |
| Valuation | ||||||||||||||||||||
| P/E | 17.02 | 17.02 | 13.26 | 13.10 | 16.53 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 2.22 | 2.22 | 1.39 | 1.01 | 0.96 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | 8.2% | 8.2% | 5.3% | 7.2% | — | 0.8% | -4.0% | 0.4% | 5.5% | 334.8% | -76.4% | -3.1% | 4.3% | 3.0% | -1.0% | 6.3% | 80.5% | -43.6% | 139.4% | — |
| EPS Growth | 27.6% | 27.6% | 45.0% | 37.9% | — | 8.1% | -15.1% | 11.6% | 8.6% | 18.1% | 16.2% | 26.0% | 24.3% | -14.8% | 0.0% | -1.0% | 276.7% | -196.7% | -44.7% | — |
| Dividend Yield | 1.5% | 1.5% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
18.0%
EPS terminal req.
$12.17
Spread vs growth
9.5%
5Y implied EPS CAGR
14.8%
EPS terminal req.
$14.73
Spread vs growth
12.8%
10Y implied EPS CAGR
12.4%
EPS terminal req.
$23.72
Spread vs growth
15.2%
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
+58.1%
Start / end P/E
15.4x → 18.8x
EPS bridge
5.80 → 7.40
Residual
+6.3%
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.