Financial Services / Banks - RegionalMCE
$11.56
-0.04 (-0.34%)
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 57.0/100
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
41/100
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
$80.5B
P/E
14.3x
↑EV/EBITDA
N/A
•ROE
15.3%
↑Gross Margin
N/A
•Debt/Equity
1.29
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+10.5%
FCF CAGR
—
FCF margin
20.5%
FCF / Net income
0.58x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $16.76B · net income $5.89B · FCF $3.44B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $16.76B | $16.76B | $16.95B | $15.87B | $12.44B |
| Net Income | $5.89B | $5.89B | $5.79B | $4.82B | $3.13B |
| EPS | 0.83 | 0.83 | 0.76 | 0.61 | 0.37 |
| Net Margin | 35.1% | 35.1% | 34.1% | 30.3% | 25.2% |
| Balance Sheet | |||||
| Debt/Equity | 1.29 | 1.29 | 1.48 | 1.50 | 1.49 |
| Cash Flow | |||||
| Free Cash Flow | $3.44B | $3.44B | $16.09B | $14.94B | $-80.79B |
| Returns | |||||
| ROE | 15.3% | 15.3% | 15.7% | 13.3% | 9.3% |
| Valuation | |||||
| P/E | 14.27 | 14.27 | 6.85 | 6.58 | 10.50 |
| P/B | 2.13 | 2.13 | 1.03 | 0.83 | 0.90 |
| Growth & Yield | |||||
| Revenue Growth | -1.1% | -1.1% | 6.8% | 27.6% | — |
| EPS Growth | 9.2% | 9.2% | 24.6% | 64.9% | — |
| Dividend Yield | 4.3% | 4.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
7.3%
EPS terminal req.
$1.03
Spread vs growth
1.9%
5Y implied EPS CAGR
8.4%
EPS terminal req.
$1.24
Spread vs growth
0.8%
10Y implied EPS CAGR
9.2%
EPS terminal req.
$2.00
Spread vs growth
0.0%
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
+56.2%
Start / end P/E
10.0x → 13.9x
EPS bridge
0.76 → 0.83
Residual
+3.6%
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.