Financial Services / Banks - RegionalSão Paulo
$5.02
-0.01 (-0.20%)
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
44/100
C
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
$3.3B
P/E
5.0x
↓EV/EBITDA
N/A
•ROE
14.4%
↑Gross Margin
N/A
•Debt/Equity
1.82
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+30.2%
FCF CAGR
—
FCF margin
-34.0%
FCF / Net income
-2.76x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $4.55B · net income $560.7M · FCF $-1.55B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $4.55B | $4.55B | $2.76B | $2.48B | $2.06B |
| Net Income | $560.7M | $560.7M | $252.9M | $267.9M | $60.3M |
| EPS | 0.95 | 0.95 | 0.43 | 0.45 | 0.10 |
| Net Margin | 12.3% | 12.3% | 9.1% | 10.8% | 2.9% |
| Balance Sheet | |||||
| Debt/Equity | 1.82 | 1.82 | 2.04 | 1.35 | 1.43 |
| Cash Flow | |||||
| Free Cash Flow | $-1.55B | $-1.55B | $543.8M | $141.4M | $66.0M |
| Returns | |||||
| ROE | 14.4% | 14.4% | 5.8% | 6.5% | 1.5% |
| Valuation | |||||
| P/E | 5.02 | 5.02 | 8.72 | 6.60 | 21.77 |
| P/B | 0.76 | 0.76 | 0.51 | 0.43 | 0.32 |
| Growth & Yield | |||||
| Revenue Growth | 64.8% | 64.8% | 11.2% | 20.5% | — |
| EPS Growth | 121.3% | 121.3% | -5.5% | 344.0% | — |
| Dividend Yield | 8.8% | 8.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-22.2%
EPS terminal req.
$0.45
Spread vs growth
143.5%
5Y implied EPS CAGR
-10.7%
EPS terminal req.
$0.54
Spread vs growth
131.9%
10Y implied EPS CAGR
-0.9%
EPS terminal req.
$0.87
Spread vs growth
122.2%
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
+44.1%
Start / end P/E
8.7x → 5.3x
EPS bridge
0.43 → 0.95
Residual
-47.1%
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.