Financial Services / Banks - RegionalSES
$64.67
+0.91 (+1.47%)
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 64.0/100
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
37/100
D
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
$183.5B
P/E
16.9x
↑EV/EBITDA
N/A
•ROE
15.9%
↑Gross Margin
N/A
•Debt/Equity
1.09
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+11.6%
FCF CAGR
+71.0%
FCF margin
45.9%
FCF / Net income
0.96x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $22.89B · net income $10.93B · FCF $10.50B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $22.89B | $22.89B | $22.22B | $20.13B | $16.49B |
| Net Income | $10.93B | $10.93B | $11.29B | $10.06B | $8.19B |
| EPS | 3.82 | 3.82 | 3.94 | 3.52 | 2.86 |
| Net Margin | 47.8% | 47.8% | 50.8% | 50.0% | 49.7% |
| Balance Sheet | |||||
| Debt/Equity | 1.09 | 1.09 | 0.94 | 0.72 | 0.83 |
| Cash Flow | |||||
| Free Cash Flow | $10.50B | $10.50B | $14.43B | $4.69B | $2.10B |
| Returns | |||||
| ROE | 15.9% | 15.9% | 16.4% | 16.2% | 14.4% |
| Valuation | |||||
| P/E | 16.89 | 16.89 | 11.07 | 8.50 | 10.94 |
| P/B | 2.68 | 2.68 | 1.80 | 1.37 | 1.56 |
| Growth & Yield | |||||
| Revenue Growth | 3.1% | 3.1% | 10.3% | 22.1% | — |
| EPS Growth | -3.0% | -3.0% | 11.9% | 22.9% | — |
| Dividend Yield | 5.2% | 5.2% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
14.5%
EPS terminal req.
$5.74
Spread vs growth
-17.6%
5Y implied EPS CAGR
12.7%
EPS terminal req.
$6.94
Spread vs growth
-15.7%
10Y implied EPS CAGR
11.3%
EPS terminal req.
$11.18
Spread vs growth
-14.4%
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
+45.2%
Start / end P/E
11.4x → 16.5x
EPS bridge
3.94 → 3.82
Residual
-1.4%
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.