Financial Services / Banks - RegionalNYSE
$32.15
-0.15 (-0.48%)
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 29.0/100
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
35/100
D
Piotroski
6/9
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
$61.5B
P/E
8.8x
↓EV/EBITDA
N/A
•ROE
8.8%
↑Gross Margin
N/A
•Debt/Equity
2.09
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+6.4%
FCF CAGR
—
FCF margin
145.2%
FCF / Net income
6.73x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $32.10B · net income $6.93B · FCF $46.62B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $32.10B | $32.10B | $30.05B | $28.88B | $26.66B |
| Net Income | $6.93B | $6.93B | $3.37B | $4.77B | $5.53B |
| EPS | 3.16 | 3.16 | 1.37 | 2.03 | 2.37 |
| Net Margin | 21.6% | 21.6% | 11.2% | 16.5% | 20.7% |
| Balance Sheet | |||||
| Debt/Equity | 2.09 | 2.09 | 1.95 | 1.97 | 2.08 |
| Cash Flow | |||||
| Free Cash Flow | $46.62B | $46.62B | $-29.11B | $5.18B | $-2.45B |
| Returns | |||||
| ROE | 8.8% | 8.8% | 4.3% | 6.5% | 7.8% |
| Valuation | |||||
| P/E | 8.76 | 8.76 | 12.77 | 6.76 | 5.25 |
| P/B | 0.79 | 0.79 | 0.46 | 0.40 | 0.37 |
| Growth & Yield | |||||
| Revenue Growth | 6.8% | 6.8% | 4.1% | 8.3% | — |
| EPS Growth | 130.4% | 130.4% | -32.5% | -14.3% | — |
| Dividend Yield | 3.6% | 3.6% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-3.3%
EPS terminal req.
$2.85
Spread vs growth
133.7%
5Y implied EPS CAGR
1.8%
EPS terminal req.
$3.45
Spread vs growth
128.6%
10Y implied EPS CAGR
5.8%
EPS terminal req.
$5.56
Spread vs growth
124.6%
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
+19.4%
Start / end P/E
20.3x → 10.2x
EPS bridge
1.37 → 3.16
Residual
-64.9%
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.