Financial Services / Credit ServicesBSE
$96.90
+2.40 (+2.54%)
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 24.0/100
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
45/100
C
Piotroski
3/9
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
$1.8B
P/E
4.2x
↓EV/EBITDA
3.6x
↓ROE
7.0%
↑Gross Margin
92.9%
↑Debt/Equity
0.08
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+3.9%
FCF CAGR
—
FCF margin
-30.7%
FCF / Net income
-0.50x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $616.6M · net income $381.2M · FCF $-189.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $616.6M | $616.6M | $542.8M | $861.8M | $550.5M |
| Net Income | $381.2M | $381.2M | $434.6M | $119.5M | $227.0M |
| EBITDA | $588.0M | $588.0M | $597.9M | $211.7M | $349.8M |
| EPS | 20.95 | 20.95 | 23.89 | 6.57 | 12.48 |
| Gross Margin | 92.9% | 92.9% | 94.5% | 85.7% | 78.2% |
| Operating Margin | 83.8% | 83.8% | 82.1% | 14.0% | 50.3% |
| Net Margin | 61.8% | 61.8% | 80.1% | 13.9% | 41.2% |
| Balance Sheet | |||||
| Debt/Equity | 0.08 | 0.08 | 0.11 | 0.04 | 0.05 |
| Cash Flow | |||||
| Free Cash Flow | $-189.5M | $-189.5M | $-257.3M | $16.0M | $242.2M |
| Returns | |||||
| ROE | 7.0% | 7.0% | 8.7% | 2.5% | 4.8% |
| Valuation | |||||
| P/E | 4.19 | 4.19 | 12.35 | 34.70 | 9.81 |
| EV/EBITDA | 3.64 | 3.64 | 9.78 | 20.08 | 6.71 |
| P/B | 0.32 | 0.32 | 1.08 | 0.86 | 0.47 |
| Growth & Yield | |||||
| Revenue Growth | 13.6% | 13.6% | -37.0% | 56.6% | — |
| EPS Growth | -12.3% | -12.3% | 263.6% | -47.4% | — |
| Dividend Yield | 5.3% | 5.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-25.7%
EPS terminal req.
$8.60
Spread vs growth
13.4%
5Y implied EPS CAGR
-13.1%
EPS terminal req.
$10.40
Spread vs growth
0.8%
10Y implied EPS CAGR
-2.2%
EPS terminal req.
$16.76
Spread vs growth
-10.1%
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
-42.0%
Start / end P/E
7.7x → 4.6x
EPS bridge
23.89 → 20.95
Residual
+4.9%
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.