Financial Services / Insurance - LifeNYSE
$5.36
+0.17 (+3.28%)
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 81.0/100
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
20/100
D
Piotroski
4/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
20/100
SEC 0%
Sin guardar todavía.
Market Cap
$271M
P/E
15.3x
↑EV/EBITDA
N/A
•ROE
6.2%
↓Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+1.9%
FCF CAGR
-6.5%
FCF margin
6.9%
FCF / Net income
1.20x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $255.6M · net income $14.6M · FCF $17.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $255.6M | $255.6M | $245.0M | $240.7M | $232.5M | $250.5M | $238.9M | $250.5M | $244.0M | $252.6M | $245.4M | $236.3M | $230.2M | $213.6M | $202.8M | $194.2M | $190.3M | $189.0M |
| Net Income | $14.6M | $14.6M | $14.9M | $24.4M | $26.0M | $72.7M | $-11.0M | $-1.4M | $-11.1M | $-38.1M | $2.0M | $-3.1M | $-6.0M | $4.8M | $4.5M | $8.5M | $14.7M | $17.3M |
| EPS | 0.28 | 0.28 | 0.29 | 0.48 | 0.51 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Margin | 5.7% | 5.7% | 6.1% | 10.2% | 11.2% | 29.0% | -4.6% | -0.5% | -4.5% | -15.1% | 0.8% | -1.3% | -2.6% | 2.2% | 2.2% | 4.4% | 7.7% | 9.2% |
| Balance Sheet | ||||||||||||||||||
| Current Ratio | 0.65 | 0.65 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $17.5M | $17.5M | $31.3M | $21.6M | $56.8M | $39.4M | $48.6M | $71.7M | $83.9M | $91.7M | $100.1M | $86.6M | $97.5M | $81.0M | $68.7M | $62.5M | $58.5M | $51.1M |
| Returns | ||||||||||||||||||
| ROE | 6.2% | 6.2% | 7.1% | 37.1% | 20.4% | 72.7% | -3.7% | -0.5% | -5.9% | -17.1% | 0.8% | -1.3% | -2.3% | 1.9% | 1.7% | 3.4% | 6.7% | 8.3% |
| Valuation | ||||||||||||||||||
| P/E | 15.31 | 15.31 | 15.21 | 5.71 | 4.27 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.17 | 1.17 | 1.08 | 2.11 | 0.87 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 4.3% | 4.3% | 1.8% | 3.5% | — | 4.9% | -4.7% | 2.7% | -3.4% | 2.9% | 3.9% | 2.6% | 7.8% | 5.4% | 4.4% | 2.0% | 0.7% | — |
| EPS Growth | -3.4% | -3.4% | -39.6% | -5.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
19.3%
EPS terminal req.
$0.48
Spread vs growth
-22.8%
5Y implied EPS CAGR
15.5%
EPS terminal req.
$0.58
Spread vs growth
-18.9%
10Y implied EPS CAGR
12.7%
EPS terminal req.
$0.93
Spread vs growth
-16.2%
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
+45.7%
Start / end P/E
12.7x → 19.1x
EPS bridge
0.29 → 0.28
Residual
-1.8%
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.