Financial Services / Credit ServicesBSE
$48.85
+4.53 (+10.22%)
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 0.0/100
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
61/100
B
Piotroski
7/9
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
$598M
P/E
59.6x
↑EV/EBITDA
88.4x
↑ROE
-11.0%
↓Gross Margin
83.9%
↑Debt/Equity
-2.35
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+108.7%
FCF CAGR
—
FCF margin
39.6%
FCF / Net income
0.59x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $6.9M · net income $4.6M · FCF $2.7M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $6.9M | $6.9M | $1.7M | $1.6M | $755385.00 |
| Net Income | $4.6M | $4.6M | $1.8M | $390732.00 | $-78.0M |
| EBITDA | $2.8M | $2.8M | $-470000.00 | $-1.5M | $-1.8M |
| EPS | 1.54 | 1.54 | 0.61 | 0.13 | -25.99 |
| Gross Margin | 83.9% | 83.9% | -41.4% | 33.1% | 13.4% |
| Operating Margin | 38.4% | 38.4% | -32.5% | -96.2% | -241.1% |
| Net Margin | 67.2% | 67.2% | 110.5% | 24.4% | -10324.4% |
| Balance Sheet | |||||
| Debt/Equity | -2.35 | -2.35 | -1.74 | -1.31 | -1.37 |
| Current Ratio | 184.79 | 184.79 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $2.7M | $2.7M | $788000.00 | $1.4M | $-368933.00 |
| Returns | |||||
| ROE | -11.0% | -11.0% | -4.0% | -0.8% | 160.2% |
| Valuation | |||||
| P/E | 59.57 | 59.57 | — | — | — |
| EV/EBITDA | 88.37 | 88.37 | — | — | — |
| Growth & Yield | |||||
| Revenue Growth | 313.0% | 313.0% | 3.8% | 112.1% | — |
| EPS Growth | 152.5% | 152.5% | 369.2% | 100.5% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
41.2%
EPS terminal req.
$4.33
Spread vs growth
111.3%
5Y implied EPS CAGR
27.8%
EPS terminal req.
$5.24
Spread vs growth
124.7%
10Y implied EPS CAGR
18.6%
EPS terminal req.
$8.45
Spread vs growth
133.9%
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
+62.8%
Start / end P/E
49.2x → 31.7x
EPS bridge
0.61 → 1.54
Residual
-54.1%
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.