Financial Services / Banks - RegionalSão Paulo
$3.90
+0.00 (+0.00%)
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 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
33/100
D
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
$1.9B
P/E
1.9x
↓EV/EBITDA
N/A
•ROE
8.8%
↑Gross Margin
N/A
•Debt/Equity
0.76
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2021–2024 · 3 años de histórico normalizado
Revenue CAGR
+8.6%
FCF CAGR
+61.1%
FCF margin
32.3%
FCF / Net income
4.11x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $3.97B · net income $311.0M · FCF $1.28B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $3.97B | $3.97B | $3.80B | $3.05B | $3.10B |
| Net Income | $311.0M | $311.0M | $236.2M | $35.3M | $593.0M |
| EPS | 0.84 | 0.84 | 0.65 | 0.09 | 1.61 |
| Net Margin | 7.8% | 7.8% | 6.2% | 1.2% | 19.1% |
| Balance Sheet | |||||
| Debt/Equity | 0.76 | 0.76 | 0.93 | 0.91 | 0.25 |
| Cash Flow | |||||
| Free Cash Flow | $1.28B | $1.28B | $-196.2M | $-1.27B | $306.2M |
| Returns | |||||
| ROE | 8.8% | 8.8% | 10.3% | 1.8% | 25.1% |
| Valuation | |||||
| P/E | 1.93 | 1.93 | 18.48 | 129.23 | 10.58 |
| P/B | 0.41 | 0.41 | 1.90 | 2.39 | 2.65 |
| Growth & Yield | |||||
| Revenue Growth | 4.3% | 4.3% | 24.9% | -1.7% | — |
| EPS Growth | 28.6% | 28.6% | 588.4% | -94.1% | — |
| Dividend Yield | 16.4% | 16.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-25.5%
EPS terminal req.
$0.35
Spread vs growth
54.0%
5Y implied EPS CAGR
-12.9%
EPS terminal req.
$0.42
Spread vs growth
41.5%
10Y implied EPS CAGR
-2.1%
EPS terminal req.
$0.67
Spread vs growth
30.7%
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
-32.9%
Start / end P/E
11.8x → 4.7x
EPS bridge
0.65 → 0.84
Residual
-17.3%
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.