Financial Services / Credit ServicesNasdaqGM
$9.78
-0.08 (-0.81%)
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 66.0/100
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
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
$212M
P/E
11.5x
↓EV/EBITDA
N/A
•ROE
6.2%
↓Gross Margin
N/A
•Debt/Equity
11.25
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+1.8%
FCF CAGR
+13.6%
FCF margin
142.4%
FCF / Net income
14.92x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $202.4M · net income $19.3M · FCF $288.3M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $202.4M | $202.4M | $202.2M | $205.4M | $242.2M | $267.8M | $271.2M | $345.8M | $389.8M | $434.4M | $422.3M | $363.6M | $300.3M | $255.8M | $187.2M | $143.1M | $155.2M |
| Net Income | $19.3M | $19.3M | $19.2M | $45.3M | $86.0M | $47.5M | $21.7M | $5.4M | $14.9M | $3.8M | $29.3M | $34.7M | $29.5M | $21.0M | $69.4M | $-14.5M | $-33.2M |
| EPS | 0.80 | 0.80 | 0.79 | 1.80 | 3.23 | 1.84 | 0.90 | 0.22 | 0.59 | 0.14 | 1.01 | 1.10 | 0.92 | 0.67 | 2.72 | -0.76 | -1.90 |
| Net Margin | 9.5% | 9.5% | 9.5% | 22.1% | 35.5% | 17.7% | 8.0% | 1.6% | 3.8% | 0.9% | 6.9% | 9.5% | 9.8% | 8.2% | 37.1% | -10.1% | -21.4% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 11.25 | 11.25 | 10.69 | 9.34 | 10.81 | — | — | — | — | — | — | 0.15 | 0.22 | 0.81 | 1.42 | — | — |
| Current Ratio | 2.79 | 2.79 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $288.3M | $288.3M | $233.3M | $237.4M | $213.8M | $196.2M | $238.7M | $216.0M | $215.1M | $215.0M | $195.3M | $186.4M | — | — | $34.6M | $10.4M | $42.6M |
| Returns | |||||||||||||||||
| ROE | 6.2% | 6.2% | 6.6% | 16.5% | 37.6% | 27.9% | 16.3% | 4.9% | 7.5% | 2.0% | 15.7% | 21.5% | 23.2% | 22.2% | 113.2% | 101.8% | -1370.4% |
| Valuation | |||||||||||||||||
| P/E | 11.51 | 11.51 | 13.90 | 4.76 | 2.65 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.76 | 0.76 | 0.91 | 0.79 | 1.00 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 0.1% | 0.1% | -1.5% | -15.2% | — | -1.2% | -21.6% | -11.3% | -10.3% | 2.9% | 16.1% | 21.1% | 17.4% | 36.6% | 30.8% | -7.8% | — |
| EPS Growth | 1.3% | 1.3% | -56.1% | -44.3% | — | 104.4% | 309.1% | -62.7% | 321.4% | -86.1% | -8.2% | 19.6% | 37.3% | -75.4% | 457.9% | 60.0% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
2.7%
EPS terminal req.
$0.87
Spread vs growth
-1.5%
5Y implied EPS CAGR
5.6%
EPS terminal req.
$1.05
Spread vs growth
-4.3%
10Y implied EPS CAGR
7.8%
EPS terminal req.
$1.69
Spread vs growth
-6.5%
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
+8.1%
Start / end P/E
11.5x → 12.2x
EPS bridge
0.79 → 0.80
Residual
+0.1%
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.