Financial Services / Credit ServicesBSE
$7.58
+0.02 (+0.26%)
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
44/100
C
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
$743M
P/E
8.8x
↓EV/EBITDA
7.2x
↓ROE
7.5%
↑Gross Margin
75.8%
↑Debt/Equity
0.04
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2026 · 3 años de histórico normalizado
Revenue CAGR
+3.5%
FCF CAGR
-21.5%
FCF margin
81.1%
FCF / Net income
1.74x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $161.1M · net income $74.9M · FCF $130.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $161.1M | $161.1M | $133.1M | $117.3M | $145.2M |
| Net Income | $74.9M | $74.9M | $51.0M | $51.5M | $48.6M |
| EBITDA | $98.5M | $98.5M | $71.4M | $50.8M | $67.9M |
| EPS | — | — | 0.82 | 0.95 | 0.90 |
| Gross Margin | 75.8% | 75.8% | 64.4% | 61.3% | 53.8% |
| Operating Margin | 60.7% | 60.7% | 53.1% | 65.5% | 46.8% |
| Net Margin | 46.5% | 46.5% | 38.3% | 43.9% | 33.5% |
| Balance Sheet | |||||
| Debt/Equity | 0.04 | 0.04 | 0.25 | 0.47 | 0.55 |
| Current Ratio | 16.07 | 16.07 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $130.6M | $130.6M | $-197.3M | $34.7M | $269.9M |
| Returns | |||||
| ROE | 7.5% | 7.5% | 5.9% | 9.4% | 9.7% |
| Valuation | |||||
| P/E | 8.81 | 8.81 | 10.67 | — | — |
| EV/EBITDA | 7.24 | 7.24 | 10.59 | — | — |
| P/B | 0.68 | 0.68 | 0.63 | — | — |
| Growth & Yield | |||||
| Revenue Growth | 21.0% | 21.0% | 13.5% | -19.2% | — |
| EPS Growth | — | — | -13.7% | 5.6% | — |
| Dividend Yield | 1.3% | 1.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
-14.5%
Start / end P/E
n/dx → n/dx
EPS bridge
0.82 → n/d
Residual
-15.9%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.