Financial Services / Banks - RegionalParis
$165.00
+0.08 (+0.05%)
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 15.0/100
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
48/100
C
Piotroski
4/9
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
$1.2B
P/E
9.1x
↓EV/EBITDA
N/A
•ROE
3.5%
↓Gross Margin
N/A
•Debt/Equity
0.09
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-0.6%
FCF CAGR
—
FCF margin
-86.4%
FCF / Net income
-2.83x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $442.7M · net income $135.3M · FCF $-382.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $442.7M | $442.7M | $452.6M | $428.9M | $450.4M |
| Net Income | $135.3M | $135.3M | $133.9M | $116.4M | $145.1M |
| EPS | 18.19 | 18.19 | 18.00 | 15.64 | 19.49 |
| Net Margin | 30.6% | 30.6% | 29.6% | 27.1% | 32.2% |
| Balance Sheet | |||||
| Debt/Equity | 0.09 | 0.09 | 0.21 | 0.23 | 0.15 |
| Cash Flow | |||||
| Free Cash Flow | $-382.6M | $-382.6M | $206.8M | $-636.4M | $-1.10B |
| Returns | |||||
| ROE | 3.5% | 3.5% | 3.9% | 3.7% | 4.9% |
| Valuation | |||||
| P/E | 9.07 | 9.07 | 4.69 | 4.51 | 3.39 |
| P/B | 0.32 | 0.32 | 0.18 | 0.17 | 0.17 |
| Growth & Yield | |||||
| Revenue Growth | -2.2% | -2.2% | 5.5% | -4.8% | — |
| EPS Growth | 1.1% | 1.1% | 15.1% | -19.8% | — |
| Dividend Yield | 2.8% | 2.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-7.0%
EPS terminal req.
$14.64
Spread vs growth
8.0%
5Y implied EPS CAGR
-0.5%
EPS terminal req.
$17.72
Spread vs growth
1.6%
10Y implied EPS CAGR
4.6%
EPS terminal req.
$28.53
Spread vs growth
-3.5%
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
+75.7%
Start / end P/E
5.3x → 9.1x
EPS bridge
18.00 → 18.19
Residual
+0.8%
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.