Financial Services / Credit ServicesBSE
$173.85
+0.25 (+0.14%)
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 37.0/100
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
$600M
P/E
8.3x
↓EV/EBITDA
10.9x
↓ROE
9.0%
↑Gross Margin
74.7%
↑Debt/Equity
0.62
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+13.8%
FCF CAGR
—
FCF margin
-51.9%
FCF / Net income
-2.00x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $262.6M · net income $68.0M · FCF $-136.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $262.6M | $262.6M | $206.4M | $197.2M | $178.4M |
| Net Income | $68.0M | $68.0M | $65.7M | $68.4M | $49.7M |
| EBITDA | $97.4M | $97.4M | $92.0M | $90.4M | $92.6M |
| EPS | 19.71 | 19.71 | 19.05 | 19.84 | 14.41 |
| Gross Margin | 74.7% | 74.7% | 72.2% | 70.9% | 74.1% |
| Operating Margin | 48.1% | 48.1% | 43.5% | 45.0% | 50.9% |
| Net Margin | 25.9% | 25.9% | 31.8% | 34.7% | 27.9% |
| Balance Sheet | |||||
| Debt/Equity | 0.62 | 0.62 | 0.48 | 0.45 | 0.42 |
| Cash Flow | |||||
| Free Cash Flow | $-136.2M | $-136.2M | $-54.3M | $-45.9M | $-51.2M |
| Returns | |||||
| ROE | 9.0% | 9.0% | 9.5% | 10.8% | 8.8% |
| Valuation | |||||
| P/E | 8.33 | 8.33 | 9.98 | 5.09 | 7.57 |
| EV/EBITDA | 10.90 | 10.90 | 10.63 | 6.86 | 6.48 |
| P/B | 0.79 | 0.79 | 0.94 | 0.55 | 0.66 |
| Growth & Yield | |||||
| Revenue Growth | 27.3% | 27.3% | 4.7% | 10.5% | — |
| EPS Growth | 3.5% | 3.5% | -4.0% | 37.7% | — |
| Dividend Yield | 0.7% | 0.7% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-7.8%
EPS terminal req.
$15.43
Spread vs growth
11.3%
5Y implied EPS CAGR
-1.1%
EPS terminal req.
$18.67
Spread vs growth
4.5%
10Y implied EPS CAGR
4.3%
EPS terminal req.
$30.06
Spread vs growth
-0.8%
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
-3.1%
Start / end P/E
10.0x → 9.3x
EPS bridge
19.05 → 19.71
Residual
-0.2%
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.