Financial Services / Banks - DiversifiedToronto
$108.62
-2.00 (-1.81%)
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 38.0/100
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
31/100
D
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
$133.2B
P/E
15.0x
↑EV/EBITDA
N/A
•ROE
9.0%
↑Gross Margin
N/A
•Debt/Equity
3.62
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+5.6%
FCF CAGR
-32.4%
FCF margin
13.6%
FCF / Net income
0.65x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $37.10B · net income $7.79B · FCF $5.06B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $37.10B | $37.10B | $33.62B | $31.69B | $31.51B |
| Net Income | $7.79B | $7.79B | $7.76B | $7.34B | $9.92B |
| EPS | 5.67 | 5.67 | 5.87 | 5.72 | 8.02 |
| Net Margin | 21.0% | 21.0% | 23.1% | 23.2% | 31.5% |
| Balance Sheet | |||||
| Debt/Equity | 3.62 | 3.62 | 3.65 | 4.08 | 4.25 |
| Cash Flow | |||||
| Free Cash Flow | $5.06B | $5.06B | $15.16B | $31.28B | $16.37B |
| Returns | |||||
| ROE | 9.0% | 9.0% | 9.4% | 9.5% | 13.5% |
| Valuation | |||||
| P/E | 14.98 | 14.98 | 12.79 | 10.34 | 8.21 |
| P/B | 1.56 | 1.56 | 1.12 | 0.93 | 1.09 |
| Growth & Yield | |||||
| Revenue Growth | 10.4% | 10.4% | 6.1% | 0.6% | — |
| EPS Growth | -3.4% | -3.4% | 2.6% | -28.7% | — |
| Dividend Yield | 4.1% | 4.1% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
19.3%
EPS terminal req.
$9.64
Spread vs growth
-22.8%
5Y implied EPS CAGR
15.5%
EPS terminal req.
$11.66
Spread vs growth
-18.9%
10Y implied EPS CAGR
12.7%
EPS terminal req.
$18.78
Spread vs growth
-16.1%
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
+52.0%
Start / end P/E
12.5x → 19.2x
EPS bridge
5.87 → 5.67
Residual
-1.8%
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.