Financial Services / Mortgage FinanceToronto
$8.40
-0.10 (-1.18%)
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 37.0/100
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
33/100
D
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
$647M
P/E
29.0x
↑EV/EBITDA
15.2x
↑ROE
18.2%
↑Gross Margin
88.5%
↑Debt/Equity
0.27
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+10.8%
FCF CAGR
+43.3%
FCF margin
26.4%
FCF / Net income
1.03x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $96.3M · net income $24.6M · FCF $25.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $96.3M | $96.3M | $76.8M | $62.5M | $70.7M |
| Net Income | $24.6M | $24.6M | $-127.1M | $64000.00 | $12.1M |
| EBITDA | $45.0M | $45.0M | $-107.7M | $15.8M | $30.8M |
| EPS | — | — | -2.58 | — | 0.25 |
| Gross Margin | 88.5% | 88.5% | 85.9% | 83.3% | 84.9% |
| Operating Margin | 45.0% | 45.0% | 38.5% | 29.3% | 37.3% |
| Net Margin | 25.5% | 25.5% | -165.6% | 0.1% | 17.1% |
| Balance Sheet | |||||
| Debt/Equity | 0.27 | 0.27 | 0.28 | 1.62 | 1.22 |
| Current Ratio | 0.39 | 0.39 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $25.4M | $25.4M | $30.4M | $5.2M | $8.6M |
| Returns | |||||
| ROE | 18.2% | 18.2% | -96.2% | 0.2% | 37.7% |
| Valuation | |||||
| P/E | 28.97 | 28.97 | — | — | 13.00 |
| EV/EBITDA | 15.17 | 15.17 | — | 10.70 | 5.96 |
| P/B | 4.81 | 4.81 | 2.99 | 5.19 | 4.83 |
| Growth & Yield | |||||
| Revenue Growth | 25.4% | 25.4% | 22.8% | -11.6% | — |
| Dividend Yield | 2.4% | 2.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
-6.9%
Start / end P/E
n/dx → n/dx
EPS bridge
-2.58 → n/d
Residual
-9.3%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.