Financial Services / Banks - RegionalParis
$121.26
-1.24 (-1.01%)
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 11.0/100
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
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
$978M
P/E
15.5x
↑EV/EBITDA
N/A
•ROE
2.1%
↓Gross Margin
N/A
•Debt/Equity
0.02
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-0.8%
FCF CAGR
—
FCF margin
16.2%
FCF / Net income
0.99x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $385.4M · net income $63.2M · FCF $62.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $385.4M | $385.4M | $394.0M | $369.3M | $394.3M |
| Net Income | $63.2M | $63.2M | $77.8M | $67.7M | $85.1M |
| EPS | — | — | 9.60 | 8.35 | 10.50 |
| Net Margin | 16.4% | 16.4% | 19.7% | 18.3% | 21.6% |
| Balance Sheet | |||||
| Debt/Equity | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 |
| Cash Flow | |||||
| Free Cash Flow | $62.5M | $62.5M | $-134.1M | $-267.9M | $-488.3M |
| Returns | |||||
| ROE | 2.1% | 2.1% | 2.8% | 2.6% | 3.4% |
| Valuation | |||||
| P/E | 15.49 | 15.49 | 6.46 | 6.68 | 5.13 |
| P/B | 0.32 | 0.32 | 0.18 | 0.17 | 0.17 |
| Growth & Yield | |||||
| Revenue Growth | -2.2% | -2.2% | 6.7% | -6.4% | — |
| EPS Growth | — | — | 14.9% | -20.5% | — |
| Dividend Yield | 2.4% | 2.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
+73.2%
Start / end P/E
n/dx → n/dx
EPS bridge
9.60 → n/d
Residual
+70.8%
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.