Financial Services / Credit ServicesASX
$11.53
+0.18 (+1.59%)
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 43.0/100
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
55/100
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
$785M
P/E
8.4x
↓EV/EBITDA
6.5x
↓ROE
10.6%
↑Gross Margin
100.0%
↑Debt/Equity
0.48
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+7.3%
FCF CAGR
—
FCF margin
10.8%
FCF / Net income
0.54x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $473.6M · net income $94.1M · FCF $51.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $473.6M | $473.6M | $378.1M | $417.9M | $383.7M |
| Net Income | $94.1M | $94.1M | $50.7M | $91.3M | $100.7M |
| EBITDA | $178.4M | $178.4M | $108.5M | $156.5M | $158.7M |
| EPS | 1.37 | 1.37 | 0.74 | 1.32 | 1.49 |
| Gross Margin | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating Margin | 20.7% | 20.7% | 0.1% | 21.5% | 31.5% |
| Net Margin | 19.9% | 19.9% | 13.4% | 21.8% | 26.2% |
| Balance Sheet | |||||
| Debt/Equity | 0.48 | 0.48 | 0.50 | 0.42 | 0.21 |
| Current Ratio | 7.00 | 7.00 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $51.1M | $51.1M | $-50.0M | $-85.3M | $-104.1M |
| Returns | |||||
| ROE | 10.6% | 10.6% | 6.1% | 11.2% | 13.6% |
| Valuation | |||||
| P/E | 8.42 | 8.42 | 19.46 | 14.55 | 14.47 |
| EV/EBITDA | 6.51 | 6.51 | 12.57 | 10.25 | 9.99 |
| P/B | 0.89 | 0.89 | 1.20 | 1.62 | 1.97 |
| Growth & Yield | |||||
| Revenue Growth | 25.3% | 25.3% | -9.5% | 8.9% | — |
| EPS Growth | 85.6% | 85.6% | -44.4% | -10.8% | — |
| Dividend Yield | 5.5% | 5.5% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-9.2%
EPS terminal req.
$1.02
Spread vs growth
94.8%
5Y implied EPS CAGR
-1.9%
EPS terminal req.
$1.24
Spread vs growth
87.5%
10Y implied EPS CAGR
3.9%
EPS terminal req.
$1.99
Spread vs growth
81.7%
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
-9.9%
Start / end P/E
18.5x → 8.4x
EPS bridge
0.74 → 1.37
Residual
-46.6%
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.