Financial Services / Credit ServicesWarsaw
$32.90
-0.20 (-0.60%)
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 40.0/100
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
46/100
C
Piotroski
2/9
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
$937M
P/E
7.1x
↓EV/EBITDA
22.8x
↑ROE
8.4%
↑Gross Margin
50.3%
↓Debt/Equity
1.32
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+22.6%
FCF CAGR
—
FCF margin
-36.1%
FCF / Net income
-1.81x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $485.6M · net income $97.0M · FCF $-175.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $485.6M | $485.6M | $315.6M | $279.5M | $263.4M |
| Net Income | $97.0M | $97.0M | $102.7M | $50.4M | $142.3M |
| EBITDA | $103.3M | $103.3M | $111.2M | $94.3M | $197.2M |
| EPS | 3.51 | 3.51 | 4.51 | 2.24 | 6.19 |
| Gross Margin | 50.3% | 50.3% | 51.5% | 56.5% | 62.6% |
| Operating Margin | 18.5% | 18.5% | 32.1% | 30.5% | 71.5% |
| Net Margin | 20.0% | 20.0% | 32.6% | 18.0% | 54.0% |
| Balance Sheet | |||||
| Debt/Equity | 1.32 | 1.32 | 0.92 | 0.91 | 0.67 |
| Cash Flow | |||||
| Free Cash Flow | $-175.4M | $-175.4M | $-45.2M | $-136.1M | $61.6M |
| Returns | |||||
| ROE | 8.4% | 8.4% | 11.4% | 6.7% | 20.7% |
| Valuation | |||||
| P/E | 7.14 | 7.14 | 5.99 | 10.27 | 3.39 |
| EV/EBITDA | 22.78 | 22.78 | 12.20 | 12.06 | 4.51 |
| P/B | 0.79 | 0.79 | 0.68 | 0.69 | 0.70 |
| Growth & Yield | |||||
| Revenue Growth | 53.9% | 53.9% | 12.9% | 6.1% | — |
| EPS Growth | -22.2% | -22.2% | 101.3% | -63.8% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-6.0%
EPS terminal req.
$2.92
Spread vs growth
-16.2%
5Y implied EPS CAGR
0.1%
EPS terminal req.
$3.53
Spread vs growth
-22.3%
10Y implied EPS CAGR
4.9%
EPS terminal req.
$5.69
Spread vs growth
-27.1%
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
+18.3%
Start / end P/E
6.2x → 9.4x
EPS bridge
4.51 → 3.51
Residual
-11.5%
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.