Financial Services / Banks - RegionalParis
$241.00
+2.45 (+1.03%)
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 12.0/100
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
52/100
C
Piotroski
7/9
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
$1.1B
P/E
10.2x
↓EV/EBITDA
N/A
•ROE
2.9%
↓Gross Margin
N/A
•Debt/Equity
0.05
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+0.0%
FCF CAGR
—
FCF margin
24.1%
FCF / Net income
0.96x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $424.9M · net income $107.1M · FCF $102.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $424.9M | $424.9M | $397.3M | $391.5M | $424.7M |
| Net Income | $107.1M | $107.1M | $94.1M | $91.1M | $118.2M |
| EPS | 23.61 | 23.61 | 20.76 | 20.07 | 26.04 |
| Net Margin | 25.2% | 25.2% | 23.7% | 23.3% | 27.8% |
| Balance Sheet | |||||
| Debt/Equity | 0.05 | 0.05 | 0.07 | 0.06 | 0.11 |
| Cash Flow | |||||
| Free Cash Flow | $102.5M | $102.5M | $-1.5M | $-648.1M | $-1.07B |
| Returns | |||||
| ROE | 2.9% | 2.9% | 2.8% | 2.9% | 4.0% |
| Valuation | |||||
| P/E | 10.20 | 10.20 | 6.10 | 5.85 | 4.47 |
| P/B | 0.29 | 0.29 | 0.17 | 0.17 | 0.18 |
| Growth & Yield | |||||
| Revenue Growth | 6.9% | 6.9% | 1.5% | -7.8% | — |
| EPS Growth | 13.7% | 13.7% | 3.4% | -22.9% | — |
| Dividend Yield | 2.6% | 2.6% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-3.2%
EPS terminal req.
$21.38
Spread vs growth
17.0%
5Y implied EPS CAGR
1.9%
EPS terminal req.
$25.88
Spread vs growth
11.9%
10Y implied EPS CAGR
5.8%
EPS terminal req.
$41.67
Spread vs growth
7.9%
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
+58.6%
Start / end P/E
7.4x → 10.2x
EPS bridge
20.76 → 23.61
Residual
+5.1%
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.