Financial Services / Banks - RegionalWarsaw
$9.99
-0.05 (-0.50%)
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 18.0/100
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
32/100
D
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
$928M
P/E
4.8x
↓EV/EBITDA
N/A
•ROE
5.1%
↓Gross Margin
N/A
•Debt/Equity
0.44
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+2.5%
FCF CAGR
-35.3%
FCF margin
49.3%
FCF / Net income
4.20x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.06B · net income $124.5M · FCF $522.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $1.06B | $1.06B | $1.07B | $1.03B | $983.1M |
| Net Income | $124.5M | $124.5M | $79.7M | $78.4M | $128.2M |
| EPS | 1.34 | 1.34 | 0.86 | 0.84 | 1.38 |
| Net Margin | 11.7% | 11.7% | 7.4% | 7.6% | 13.0% |
| Balance Sheet | |||||
| Debt/Equity | 0.44 | 0.44 | 0.31 | 0.46 | 0.54 |
| Cash Flow | |||||
| Free Cash Flow | $522.4M | $522.4M | $-225.6M | $-1.00B | $1.93B |
| Returns | |||||
| ROE | 5.1% | 5.1% | 3.6% | 3.6% | 6.5% |
| Valuation | |||||
| P/E | 4.78 | 4.78 | 11.80 | 12.86 | 6.80 |
| P/B | 0.38 | 0.38 | 0.42 | 0.47 | 0.44 |
| Growth & Yield | |||||
| Revenue Growth | -0.9% | -0.9% | 3.5% | 5.2% | — |
| EPS Growth | 55.8% | 55.8% | 2.4% | -39.1% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-12.9%
EPS terminal req.
$0.89
Spread vs growth
68.7%
5Y implied EPS CAGR
-4.4%
EPS terminal req.
$1.07
Spread vs growth
60.2%
10Y implied EPS CAGR
2.6%
EPS terminal req.
$1.73
Spread vs growth
53.2%
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
-4.1%
Start / end P/E
12.1x → 7.5x
EPS bridge
0.86 → 1.34
Residual
-21.5%
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.