Financial Services / Credit ServicesWarsaw
$0.43
-0.03 (-6.09%)
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 100.0/100
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
44/100
C
Piotroski
8/9
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
$43M
P/E
1.2x
↓EV/EBITDA
3.3x
↓ROE
43.1%
↑Gross Margin
65.6%
↑Debt/Equity
1.89
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2021–2024 · 3 años de histórico normalizado
Revenue CAGR
+11.5%
FCF CAGR
+42.2%
FCF margin
74.0%
FCF / Net income
1.01x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $102.9M · net income $75.4M · FCF $76.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $102.9M | $102.9M | $108.2M | $111.8M | $74.1M |
| Net Income | $75.4M | $75.4M | $60.5M | $176.2M | $188.3M |
| EBITDA | $79.8M | $79.8M | $64.9M | $179.8M | $192.6M |
| EPS | 0.75 | 0.75 | 0.60 | 1.76 | 1.88 |
| Gross Margin | 65.6% | 65.6% | 64.5% | 66.0% | 41.1% |
| Operating Margin | 18.3% | 18.3% | 8.8% | 106.0% | -25.3% |
| Net Margin | 73.3% | 73.3% | 55.9% | 157.7% | 253.9% |
| Balance Sheet | |||||
| Debt/Equity | 1.89 | 1.89 | 3.52 | 6.50 | -7.94 |
| Current Ratio | 3.03 | 3.03 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $76.1M | $76.1M | $107.9M | $77.7M | $26.5M |
| Returns | |||||
| ROE | 43.1% | 43.1% | 52.3% | 313.1% | -304.5% |
| Valuation | |||||
| P/E | 1.23 | 1.23 | 1.17 | 2.13 | 1.99 |
| EV/EBITDA | 3.32 | 3.32 | 5.27 | 3.44 | 3.92 |
| P/B | 0.25 | 0.25 | 0.61 | 6.66 | — |
| Growth & Yield | |||||
| Revenue Growth | -4.9% | -4.9% | -3.2% | 50.7% | — |
| EPS Growth | 25.0% | 25.0% | -65.9% | -6.4% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-62.9%
EPS terminal req.
$0.04
Spread vs growth
87.9%
5Y implied EPS CAGR
-42.7%
EPS terminal req.
$0.05
Spread vs growth
67.7%
10Y implied EPS CAGR
-20.6%
EPS terminal req.
$0.07
Spread vs growth
45.6%
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
-11.1%
Start / end P/E
0.8x → 0.6x
EPS bridge
0.60 → 0.75
Residual
-7.2%
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.