Financial Services / Insurance - Property & CasualtyNYSE
$25.95
-0.67 (-2.52%)
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 50.0/100
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
52/100
C
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
$852M
P/E
15.0x
↑EV/EBITDA
N/A
•ROE
12.0%
↑Gross Margin
N/A
•Debt/Equity
0.33
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+43.3%
FCF CAGR
+22.4%
FCF margin
59.1%
FCF / Net income
6.06x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $551.5M · net income $53.8M · FCF $326.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $551.5M | $551.5M | $425.6M | $283.4M | $187.6M |
| Net Income | $53.8M | $53.8M | $38.2M | $25.0M | $11.3M |
| EPS | 1.59 | 1.59 | 1.17 | 0.79 | 0.36 |
| Net Margin | 9.8% | 9.8% | 9.0% | 8.8% | 6.0% |
| Balance Sheet | |||||
| Debt/Equity | 0.33 | 0.33 | — | — | — |
| Current Ratio | 1.37 | 1.37 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $326.0M | $326.0M | $291.2M | $232.4M | $177.7M |
| Returns | |||||
| ROE | 12.0% | 12.0% | 10.3% | 13.0% | 13.5% |
| Valuation | |||||
| P/E | 15.00 | 15.00 | 28.91 | — | — |
| P/B | 1.95 | 1.95 | 2.98 | — | — |
| Growth & Yield | |||||
| Revenue Growth | 29.6% | 29.6% | 50.2% | 51.1% | — |
| EPS Growth | 35.8% | 35.8% | 47.4% | 122.5% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
13.1%
EPS terminal req.
$2.30
Spread vs growth
22.7%
5Y implied EPS CAGR
11.9%
EPS terminal req.
$2.79
Spread vs growth
23.9%
10Y implied EPS CAGR
10.9%
EPS terminal req.
$4.49
Spread vs growth
24.9%
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
-30.4%
Start / end P/E
31.9x → 16.3x
EPS bridge
1.17 → 1.59
Residual
-17.5%
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.