Financial Services / Banks - RegionalSão Paulo
$17.85
+0.00 (+0.00%)
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 26.0/100
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
34/100
D
Piotroski
3/9
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
$86M
P/E
7.6x
↓EV/EBITDA
35.3x
↑ROE
7.3%
↑Gross Margin
15.3%
↓Debt/Equity
3.25
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+18.9%
FCF CAGR
—
FCF margin
-55.1%
FCF / Net income
-3.92x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $74.0M · net income $10.4M · FCF $-40.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $74.0M | $74.0M | $43.0M | $39.4M | $44.1M |
| Net Income | $10.4M | $10.4M | $7.2M | $7.3M | $9.8M |
| EBITDA | $15.3M | $15.3M | $10.2M | $12.0M | $12.7M |
| EPS | — | — | 1.49 | 1.51 | 2.02 |
| Gross Margin | 15.3% | 15.3% | 50.1% | 63.7% | 55.7% |
| Operating Margin | -10.3% | -10.3% | 23.8% | 30.4% | 28.8% |
| Net Margin | 14.0% | 14.0% | 16.7% | 18.4% | 22.1% |
| Balance Sheet | |||||
| Debt/Equity | 3.25 | 3.25 | 1.02 | 0.78 | 0.35 |
| Cash Flow | |||||
| Free Cash Flow | $-40.8M | $-40.8M | $-28.3M | $23.7M | $-46.1M |
| Returns | |||||
| ROE | 7.3% | 7.3% | 5.1% | 5.5% | 7.4% |
| Valuation | |||||
| P/E | 7.60 | 7.60 | 11.34 | 10.76 | 6.56 |
| EV/EBITDA | 35.33 | 35.33 | 20.98 | 13.86 | 8.58 |
| P/B | 0.61 | 0.61 | 0.58 | 0.59 | 0.48 |
| Growth & Yield | |||||
| Revenue Growth | 72.1% | 72.1% | 9.2% | -10.6% | — |
| EPS Growth | — | — | -1.1% | -25.5% | — |
| Dividend Yield | 7.8% | 7.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+12.9%
Start / end P/E
n/dx → n/dx
EPS bridge
1.49 → n/d
Residual
+5.1%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.