Financial Services / Insurance - DiversifiedNYSE
$470.29
-4.19 (-0.88%)
Book/ROE base 3Y
$661.01
+12.0% CAGR · P/B 1.5x
Book/ROE base 5Y
$799.82
+11.2% base · +12.6% expected
Precio de entrada
$375.55
MOS 17% · confianza 92%
Book/ROE escenarios
audited · book/share $332.62 · quality 55.0/100
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
40/100
C
Piotroski
3/9
balance/quality
Valuation
55/100
+5.4% upside
5Y CAGR
+12.6%
100/100
Data QA
90/100
SEC 100%
Sin guardar todavía.
Market Cap
$1.01T
P/E
14.0x
↑EV/EBITDA
N/A
•ROE
9.3%
↑Gross Margin
N/A
•Debt/Equity
0.18
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
+4.2%
FCF CAGR
+7.2%
FCF margin
10.1%
FCF / Net income
0.37x
Latest source
SEC-backed
Margin decomposition
Último año: revenue $247.24B · net income $66.97B · FCF $25.04B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025SEC | 2024SEC | 2023SEC | 2022SEC | 2021SEC | 2020SEC | 2019SEC | 2018SEC | 2017SEC | 2016SEC | 2015SEC | 2014SEC | 2013SEC | 2012SEC | 2011SEC | 2010SEC | 2009SEC | 2008SEC | 2007SEC |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||||
| Revenue | $247.24B | $247.24B | $249.71B | $254.91B | $207.77B | $191.25B | $166.73B | $176.51B | $175.44B | $239.93B | $215.11B | $210.94B | $194.70B | $182.15B | $162.46B | $143.69B | $136.19B | $112.49B | $107.79B | $118.25B |
| Net Income | $66.97B | $66.97B | $89.00B | $96.22B | $-22.76B | $89.94B | $42.52B | $81.42B | $4.02B | $44.94B | $24.07B | $24.08B | $19.87B | $19.48B | $14.82B | $10.25B | $12.97B | $8.05B | $4.99B | $13.21B |
| EBITDA | — | — | — | — | — | — | — | — | — | — | — | — | — | — | $26.23B | $22.68B | — | — | — | — |
| EPS | — | — | 41.27 | 44.27 | -10.33 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 12.4% | 12.0% | 12.7% | 9.9% | — | — |
| Net Margin | 27.1% | 27.1% | 35.6% | 37.7% | -11.0% | 47.0% | 25.5% | 46.1% | 2.3% | 18.7% | 11.2% | 11.4% | 10.2% | 10.7% | 9.1% | 7.1% | 9.5% | 7.2% | 4.6% | 11.2% |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 0.18 | 0.18 | 0.19 | 0.23 | 0.26 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Current Ratio | 2.88 | 2.88 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $25.04B | $25.04B | $11.62B | $29.79B | $21.89B | $26.15B | $26.76B | $22.71B | $22.86B | $34.02B | $19.69B | $15.41B | — | — | — | — | $11.91B | $10.91B | $5.11B | $7.18B |
| Returns | ||||||||||||||||||||
| ROE | 9.3% | 9.3% | 13.7% | 17.1% | -4.8% | 17.8% | 9.6% | 19.2% | 1.2% | 12.9% | 8.5% | 9.4% | 8.3% | 8.8% | 7.9% | 6.2% | 8.2% | 6.1% | 4.6% | — |
| Valuation | ||||||||||||||||||||
| P/E | 14.01 | 14.01 | 10.99 | 8.26 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.00 | 0.00 | 1.51 | 1.42 | 1.48 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | -1.0% | -1.0% | -2.0% | 22.7% | 8.6% | 14.7% | -5.5% | 0.6% | -26.9% | 11.5% | 2.0% | 8.3% | 6.9% | 12.1% | 13.1% | 5.5% | 21.1% | 4.4% | -8.8% | — |
| EPS Growth | — | — | -6.8% | 528.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
-6.7%
Start / end P/E
n/dx → n/dx
EPS bridge
41.27 → n/d
Residual
-6.7%
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.