Financial Services / Credit ServicesNSE
$229.04
-6.60 (-2.72%)
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 53.0/100
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
2/9
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
$5.2B
P/E
6.1x
↓EV/EBITDA
10.8x
↓ROE
13.9%
↑Gross Margin
53.5%
↑Debt/Equity
1.38
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2026 · 3 años de histórico normalizado
Revenue CAGR
+30.0%
FCF CAGR
—
FCF margin
-23.2%
FCF / Net income
-0.68x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $2.52B · net income $861.1M · FCF $-583.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $2.52B | $2.52B | $2.11B | $1.63B | $1.15B |
| Net Income | $861.1M | $861.1M | $720.9M | $633.6M | $456.3M |
| EBITDA | $1.20B | $1.20B | $1.05B | $888.5M | $627.4M |
| EPS | 37.50 | 37.50 | 31.30 | 28.27 | 21.40 |
| Gross Margin | 53.5% | 53.5% | 55.8% | 62.6% | 64.8% |
| Operating Margin | 47.0% | 47.0% | 49.2% | 53.5% | 54.7% |
| Net Margin | 34.2% | 34.2% | 34.2% | 38.9% | 39.8% |
| Balance Sheet | |||||
| Debt/Equity | 1.38 | 1.38 | 1.29 | 1.06 | 1.13 |
| Current Ratio | 576.36 | 576.36 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-583.8M | $-583.8M | $-1.04B | $-1.29B | $-1.69B |
| Returns | |||||
| ROE | 13.9% | 13.9% | 13.3% | 13.3% | 12.6% |
| Valuation | |||||
| P/E | 6.14 | 6.14 | 8.24 | 17.05 | 9.94 |
| EV/EBITDA | 10.85 | 10.85 | 11.64 | 17.22 | 13.12 |
| P/B | 0.85 | 0.85 | 1.10 | 2.27 | 1.25 |
| Growth & Yield | |||||
| Revenue Growth | 19.3% | 19.3% | 29.6% | 42.1% | — |
| EPS Growth | 19.8% | 19.8% | 10.7% | 32.1% | — |
| Dividend Yield | 1.3% | 1.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-18.5%
EPS terminal req.
$20.32
Spread vs growth
38.3%
5Y implied EPS CAGR
-8.1%
EPS terminal req.
$24.59
Spread vs growth
27.9%
10Y implied EPS CAGR
0.5%
EPS terminal req.
$39.60
Spread vs growth
19.3%
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
-24.6%
Start / end P/E
10.2x → 6.3x
EPS bridge
31.30 → 37.50
Residual
-7.6%
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.