Financial Services / Insurance - Property & CasualtyIrish
$16.10
-0.55 (-3.30%)
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 53.0/100
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
34/100
D
Piotroski
4/9
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
$652M
P/E
12.7x
↑EV/EBITDA
N/A
•ROE
9.9%
↑Gross Margin
N/A
•Debt/Equity
0.11
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+13.2%
FCF CAGR
-19.0%
FCF margin
10.3%
FCF / Net income
1.01x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $462.7M · net income $47.2M · FCF $47.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $462.7M | $462.7M | $413.5M | $364.1M | $319.3M |
| Net Income | $47.2M | $47.2M | $67.2M | $69.5M | $57.6M |
| EPS | — | — | 1.83 | 1.90 | 1.57 |
| Net Margin | 10.2% | 10.2% | 16.3% | 19.1% | 18.0% |
| Balance Sheet | |||||
| Debt/Equity | 0.11 | 0.11 | 0.11 | 0.11 | 0.12 |
| Current Ratio | 0.56 | 0.56 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $47.8M | $47.8M | $64.8M | $45.3M | $89.9M |
| Returns | |||||
| ROE | 9.9% | 9.9% | 13.8% | 14.5% | 12.6% |
| Valuation | |||||
| P/E | 12.68 | 12.68 | 6.97 | 6.00 | 6.88 |
| P/B | 1.21 | 1.21 | 0.96 | 0.87 | 0.86 |
| Growth & Yield | |||||
| Revenue Growth | 11.9% | 11.9% | 13.6% | 14.0% | — |
| EPS Growth | — | — | -3.7% | 21.0% | — |
| Dividend Yield | 6.0% | 6.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
+24.8%
Start / end P/E
n/dx → n/dx
EPS bridge
1.83 → n/d
Residual
+18.8%
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.