Financial Services / Banks - RegionalParis
$94.43
+1.85 (+2.00%)
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 36.0/100
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
42/100
C
Piotroski
6/9
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
$104.0B
P/E
8.9x
↓EV/EBITDA
N/A
•ROE
9.7%
↑Gross Margin
N/A
•Debt/Equity
3.17
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+6.2%
FCF CAGR
—
FCF margin
63.5%
FCF / Net income
3.57x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $68.80B · net income $12.22B · FCF $43.70B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $68.80B | $68.80B | $65.87B | $59.73B | $57.48B |
| Net Income | $12.22B | $12.22B | $11.69B | $10.97B | $9.85B |
| EPS | 10.29 | 10.29 | 9.57 | 8.58 | 7.52 |
| Net Margin | 17.8% | 17.8% | 17.7% | 18.4% | 17.1% |
| Balance Sheet | |||||
| Debt/Equity | 3.17 | 3.17 | 2.96 | 2.80 | 2.42 |
| Cash Flow | |||||
| Free Cash Flow | $43.70B | $43.70B | $-99.51B | $-36.46B | $-55.37B |
| Returns | |||||
| ROE | 9.7% | 9.7% | 9.1% | 8.9% | 8.1% |
| Valuation | |||||
| P/E | 8.91 | 8.91 | 6.20 | 7.34 | 7.86 |
| P/B | 0.84 | 0.84 | 0.52 | 0.61 | 0.60 |
| Growth & Yield | |||||
| Revenue Growth | 4.5% | 4.5% | 10.3% | 3.9% | — |
| EPS Growth | 7.5% | 7.5% | 11.5% | 14.1% | — |
| Dividend Yield | 10.8% | 10.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-6.6%
EPS terminal req.
$8.38
Spread vs growth
14.1%
5Y implied EPS CAGR
-0.3%
EPS terminal req.
$10.14
Spread vs growth
7.8%
10Y implied EPS CAGR
4.7%
EPS terminal req.
$16.33
Spread vs growth
2.8%
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
+31.6%
Start / end P/E
8.2x → 9.2x
EPS bridge
9.57 → 10.29
Residual
+0.9%
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.