Financial Services / Mortgage FinanceToronto
$26.12
+0.00 (+0.00%)
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 24.0/100
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
43/100
C
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
$0
P/E
5.2x
↓EV/EBITDA
128.8x
↑ROE
9.7%
↑Gross Margin
48.9%
↓Debt/Equity
2.84
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+9.1%
FCF CAGR
—
FCF margin
4.5%
FCF / Net income
0.55x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $255.4M · net income $20.6M · FCF $11.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $255.4M | $255.4M | $220.8M | $159.3M | $196.7M |
| Net Income | $20.6M | $20.6M | $7.6M | $-106.8M | $15.9M |
| EBITDA | $61.7M | $61.7M | $33.2M | $-41.4M | $37.1M |
| Gross Margin | 48.9% | 48.9% | 39.9% | 10.7% | 46.2% |
| Operating Margin | 17.8% | 17.8% | 6.8% | -35.3% | 12.3% |
| Net Margin | 8.1% | 8.1% | 3.5% | -67.0% | 8.1% |
| Balance Sheet | |||||
| Debt/Equity | 2.84 | 2.84 | 2.85 | 4.38 | 5.31 |
| Current Ratio | 6.65 | 6.65 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $11.4M | $11.4M | $179.7M | $-45.4M | $-914.8M |
| Returns | |||||
| ROE | 9.7% | 9.7% | 3.7% | -51.0% | 8.2% |
| Valuation | |||||
| P/E | 5.17 | 5.17 | — | — | — |
| EV/EBITDA | 128.77 | 128.77 | 199.70 | — | 184.41 |
| P/B | 34.40 | 34.40 | 29.20 | 21.72 | 30.09 |
| Growth & Yield | |||||
| Revenue Growth | 15.7% | 15.7% | 38.6% | -19.0% | — |
| Dividend Yield | 7.6% | 7.6% | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
+39.3%
Start / end P/E
n/dx → n/dx
EPS bridge
n/d → n/d
Residual
+31.7%
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.