Financial Services / Credit ServicesNYSE
$185.15
+0.59 (+0.32%)
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 34.0/100
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
34/100
D
Piotroski
5/9
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
$115.2B
P/E
57.0x
↑EV/EBITDA
N/A
•ROE
2.2%
↓Gross Margin
N/A
•Debt/Equity
0.44
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
+9.1%
FCF CAGR
+4.2%
FCF margin
48.9%
FCF / Net income
10.66x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $53.43B · net income $2.45B · FCF $26.14B
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 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||||
| Revenue | $53.43B | $53.43B | $39.11B | $36.79B | $34.25B | $4.78B | $3.74B | $3.82B | $3.43B | $27.24B | $25.50B | $23.41B | $22.29B | $22.38B | $21.40B | $16.28B | $16.17B | $12.98B | $13.89B | $11.08B |
| Net Income | $2.45B | $2.45B | $4.75B | $4.89B | $7.36B | $12.39B | $2.71B | $5.55B | $6.01B | $1.98B | $3.75B | $4.05B | $4.43B | $4.12B | $3.49B | $3.15B | $2.74B | $884.0M | $-46.0M | $1.57B |
| EPS | 4.03 | 4.03 | 11.59 | 11.95 | 17.91 | 26.94 | 5.18 | 11.05 | 11.82 | 3.49 | 6.89 | 7.07 | 7.59 | 6.89 | 6.11 | 6.80 | 6.01 | 0.74 | -0.21 | 3.97 |
| Net Margin | 4.6% | 4.6% | 12.1% | 13.3% | 21.5% | 259.2% | 72.6% | 145.2% | 175.3% | 7.3% | 14.7% | 17.3% | 19.9% | 18.4% | 16.3% | 19.3% | 17.0% | 6.8% | -0.3% | 14.2% |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 0.44 | 0.44 | 0.74 | 0.85 | 0.91 | — | — | — | — | — | — | — | 0.70 | 0.59 | 0.71 | 1.09 | 1.52 | 0.58 | — | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $26.14B | $26.14B | $16.95B | $19.61B | $12.88B | $11.61B | $15.99B | $15.75B | $12.10B | $13.16B | $11.08B | $9.60B | $8.80B | $9.17B | $8.96B | $7.14B | $7.80B | $1.84B | $3.13B | $12.46B |
| Returns | ||||||||||||||||||||
| ROE | 2.2% | 2.2% | 7.8% | 8.4% | 14.0% | 20.3% | 4.5% | 9.6% | 11.6% | 4.1% | 7.9% | 8.6% | 9.8% | 9.9% | 8.6% | 10.6% | 10.3% | 3.3% | -0.2% | 6.5% |
| Valuation | ||||||||||||||||||||
| P/E | 56.97 | 56.97 | 15.57 | 11.08 | 5.42 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.88 | 0.88 | 1.14 | 0.87 | 0.73 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | 36.6% | 36.6% | 6.3% | 7.4% | — | 27.9% | -2.2% | 11.3% | -87.4% | 6.8% | 8.9% | 5.0% | -0.4% | 4.6% | 31.4% | 0.7% | 24.6% | -6.6% | 25.4% | — |
| EPS Growth | -65.2% | -65.2% | -3.0% | -33.3% | — | 420.1% | -53.1% | -6.5% | 238.7% | -49.3% | -2.5% | -6.9% | 10.2% | 12.8% | -10.1% | 13.1% | 712.2% | 452.4% | -105.3% | — |
| Dividend Yield | 1.7% | 1.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
59.7%
EPS terminal req.
$16.43
Spread vs growth
-125.0%
5Y implied EPS CAGR
37.6%
EPS terminal req.
$19.88
Spread vs growth
-102.8%
10Y implied EPS CAGR
23.0%
EPS terminal req.
$32.02
Spread vs growth
-88.3%
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
-1.6%
Start / end P/E
16.5x → 45.9x
EPS bridge
11.59 → 4.03
Residual
-116.2%
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.