Financial Services / Insurance - Property & CasualtyNasdaqGS
$18.41
-0.74 (-3.86%)
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 19.0/100
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
46/100
C
Piotroski
5/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
20/100
SEC 0%
Sin guardar todavía.
Market Cap
$682M
P/E
10.3x
↓EV/EBITDA
N/A
•ROE
12.4%
↑Gross Margin
N/A
•Debt/Equity
0.05
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+6.0%
FCF CAGR
+4.8%
FCF margin
7.2%
FCF / Net income
0.88x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $978.0M · net income $79.3M · FCF $70.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $978.0M | $978.0M | $989.6M | $927.3M | $848.2M | $816.5M | $777.8M | $812.5M | $771.8M | $739.0M | $688.4M | $636.4M | $586.5M | $547.1M | $515.0M | $475.0M | $408.5M | $386.7M |
| Net Income | $79.3M | $79.3M | $50.9M | $4.4M | $-2.0M | $25.3M | $52.8M | $47.2M | $-32.8M | $7.1M | $30.8M | $21.0M | $14.5M | $26.3M | $23.1M | $452953.00 | $11.5M | $18.8M |
| EPS | 2.18 | 2.18 | 1.53 | 0.11 | -0.06 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Margin | 8.1% | 8.1% | 5.1% | 0.5% | -0.2% | 3.1% | 6.8% | 5.8% | -4.2% | 1.0% | 4.5% | 3.3% | 2.5% | 4.8% | 4.5% | 0.1% | 2.8% | 4.9% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.05 | 0.05 | 0.06 | 0.07 | 0.07 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Current Ratio | 0.50 | 0.50 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $70.2M | $70.2M | $67.4M | $28.6M | $67.1M | — | — | — | — | — | — | — | — | $44.8M | $24.2M | $20.8M | $21.4M | $33.2M |
| Returns | ||||||||||||||||||
| ROE | 12.4% | 12.4% | 9.3% | 0.9% | -0.4% | 4.8% | 10.2% | 10.5% | -8.2% | 1.6% | 7.0% | 5.1% | 3.5% | 6.6% | 5.8% | 0.1% | 3.0% | 4.9% |
| Valuation | ||||||||||||||||||
| P/E | 10.34 | 10.34 | 9.23 | 142.36 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.06 | 1.06 | 0.88 | 1.08 | 1.00 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | -1.2% | -1.2% | 6.7% | 9.3% | — | 5.0% | -4.3% | 5.3% | 4.4% | 7.4% | 8.2% | 8.5% | 7.2% | 6.2% | 8.4% | 16.3% | 5.6% | — |
| EPS Growth | 42.5% | 42.5% | 1290.9% | 283.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividend Yield | 3.9% | 3.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-9.2%
EPS terminal req.
$1.63
Spread vs growth
51.7%
5Y implied EPS CAGR
-1.9%
EPS terminal req.
$1.98
Spread vs growth
44.4%
10Y implied EPS CAGR
3.9%
EPS terminal req.
$3.18
Spread vs growth
38.6%
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
+13.5%
Start / end P/E
11.0x → 8.4x
EPS bridge
1.53 → 2.18
Residual
-9.8%
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.