Financial Services / Banks - RegionalParis
$164.76
+3.48 (+2.15%)
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 9.0/100
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
42/100
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
$1.2B
P/E
14.2x
↑EV/EBITDA
N/A
•ROE
2.0%
↓Gross Margin
N/A
•Debt/Equity
0.07
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-4.3%
FCF CAGR
—
FCF margin
-133.9%
FCF / Net income
-6.77x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $432.1M · net income $85.5M · FCF $-578.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $432.1M | $432.1M | $425.4M | $413.2M | $493.6M |
| Net Income | $85.5M | $85.5M | $85.6M | $86.4M | $132.9M |
| EPS | 11.58 | 11.58 | 11.59 | 11.70 | 17.99 |
| Net Margin | 19.8% | 19.8% | 20.1% | 20.9% | 26.9% |
| Balance Sheet | |||||
| Debt/Equity | 0.07 | 0.07 | 0.09 | 0.12 | 0.17 |
| Cash Flow | |||||
| Free Cash Flow | $-578.4M | $-578.4M | $229.8M | $-903.2M | $-139.7M |
| Returns | |||||
| ROE | 2.0% | 2.0% | 2.1% | 2.3% | 3.7% |
| Valuation | |||||
| P/E | 14.22 | 14.22 | 7.58 | 7.18 | 4.28 |
| P/B | 0.28 | 0.28 | 0.16 | 0.17 | 0.16 |
| Growth & Yield | |||||
| Revenue Growth | 1.6% | 1.6% | 2.9% | -16.3% | — |
| EPS Growth | -0.1% | -0.1% | -0.9% | -35.0% | — |
| Dividend Yield | 2.3% | 2.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
8.1%
EPS terminal req.
$14.62
Spread vs growth
-8.2%
5Y implied EPS CAGR
8.8%
EPS terminal req.
$17.69
Spread vs growth
-8.9%
10Y implied EPS CAGR
9.4%
EPS terminal req.
$28.49
Spread vs growth
-9.5%
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
+65.1%
Start / end P/E
8.8x → 14.3x
EPS bridge
11.59 → 11.58
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.