Financial Services / Banks - RegionalParis
$143.00
+4.00 (+2.88%)
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 14.0/100
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
50/100
C
Piotroski
5/9
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
$645M
P/E
10.3x
↓EV/EBITDA
N/A
•ROE
3.3%
↓Gross Margin
N/A
•Debt/Equity
0.07
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2021–2024 · 3 años de histórico normalizado
Revenue CAGR
-0.1%
FCF CAGR
—
FCF margin
-2.4%
FCF / Net income
-0.10x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $265.5M · net income $66.5M · FCF $-6.3M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $265.5M | $265.5M | $250.3M | $277.6M | $266.7M |
| Net Income | $66.5M | $66.5M | $59.3M | $66.6M | $69.9M |
| EPS | 14.67 | 14.67 | 13.02 | 14.57 | 15.28 |
| Net Margin | 25.0% | 25.0% | 23.7% | 24.0% | 26.2% |
| Balance Sheet | |||||
| Debt/Equity | 0.07 | 0.07 | 0.08 | 0.10 | 0.14 |
| Cash Flow | |||||
| Free Cash Flow | $-6.3M | $-6.3M | $-261.9M | $-405.0M | $367.3M |
| Returns | |||||
| ROE | 3.3% | 3.3% | 3.1% | 3.7% | 3.9% |
| Valuation | |||||
| P/E | 10.30 | 10.30 | 4.95 | 5.32 | 5.69 |
| P/B | 0.32 | 0.32 | 0.15 | 0.20 | 0.22 |
| Growth & Yield | |||||
| Revenue Growth | 6.1% | 6.1% | -9.8% | 4.1% | — |
| EPS Growth | 12.7% | 12.7% | -10.7% | -4.6% | — |
| Dividend Yield | 3.1% | 3.1% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-4.7%
EPS terminal req.
$12.69
Spread vs growth
17.4%
5Y implied EPS CAGR
0.9%
EPS terminal req.
$15.35
Spread vs growth
11.8%
10Y implied EPS CAGR
5.4%
EPS terminal req.
$24.73
Spread vs growth
7.3%
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
+65.4%
Start / end P/E
6.8x → 9.7x
EPS bridge
13.02 → 14.67
Residual
+5.6%
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.