Financial Services / Insurance - SpecialtyNYSE
$43.43
-0.07 (-0.16%)
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 39.0/100
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
36/100
D
Piotroski
4/9
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
$792M
P/E
94.4x
↑EV/EBITDA
N/A
•ROE
1.1%
↓Gross Margin
N/A
•Debt/Equity
0.04
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2008–2025 · 17 años de histórico normalizado
Revenue CAGR
+4.6%
FCF CAGR
—
FCF margin
4.9%
FCF / Net income
3.94x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $858.7M · net income $10.8M · FCF $42.5M
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 | 2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||||
| Revenue | $858.7M | $858.7M | $880.7M | $850.9M | $713.5M | $703.1M | $711.4M | $835.9M | $800.4M | $801.4M | $779.8M | $752.1M | $773.5M | $723.5M | $579.2M | $464.2M | $415.6M | $495.9M | $396.8M |
| Net Income | $10.8M | $10.8M | $118.6M | $118.1M | $48.4M | $119.3M | $119.8M | $157.1M | $141.3M | $101.2M | $106.7M | $94.4M | $100.7M | $63.8M | $106.9M | $48.6M | $63.5M | $83.0M | $101.8M |
| EPS | 0.46 | 0.46 | 4.71 | 4.45 | 1.75 | 4.17 | 3.97 | 4.83 | 4.24 | 3.06 | 3.24 | 2.90 | 3.14 | 2.00 | 3.37 | 1.30 | 1.51 | 1.80 | 2.07 |
| Net Margin | 1.3% | 1.3% | 13.5% | 13.9% | 6.8% | 17.0% | 16.8% | 18.8% | 17.7% | 12.6% | 13.7% | 12.6% | 13.0% | 8.8% | 18.5% | 10.5% | 15.3% | 16.7% | 25.7% |
| Balance Sheet | |||||||||||||||||||
| Debt/Equity | 0.04 | 0.04 | 0.00 | 0.01 | 0.21 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Current Ratio | 1.18 | 1.18 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||||
| Free Cash Flow | $42.5M | $42.5M | $71.5M | $47.2M | $97.2M | $10.5M | $32.9M | $121.8M | $179.9M | $141.9M | $122.1M | $116.1M | $171.2M | $164.2M | $128.1M | $42.4M | $55.0M | $39.5M | — |
| Returns | |||||||||||||||||||
| ROE | 1.1% | 1.1% | 11.1% | 11.6% | 5.1% | 9.8% | 9.9% | 13.5% | 13.9% | 10.7% | 12.7% | 12.4% | 14.7% | 11.2% | 19.8% | 10.5% | 13.3% | 17.1% | 22.9% |
| Valuation | |||||||||||||||||||
| P/E | 94.41 | 94.41 | 10.62 | 8.90 | 24.42 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.07 | 1.07 | 1.18 | 1.04 | 1.25 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||||
| Revenue Growth | -2.5% | -2.5% | 3.5% | 19.3% | — | -1.2% | -14.9% | 4.4% | -0.1% | 2.8% | 3.7% | -2.8% | 6.9% | 24.9% | 24.8% | 11.7% | -16.2% | 25.0% | — |
| EPS Growth | -90.2% | -90.2% | 5.8% | 154.3% | — | 5.0% | -17.8% | 13.9% | 38.6% | -5.6% | 11.7% | -7.6% | 57.0% | -40.7% | 159.2% | -13.9% | -16.1% | -13.0% | — |
| Dividend Yield | 3.0% | 3.0% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
103.1%
EPS terminal req.
$3.85
Spread vs growth
-193.3%
5Y implied EPS CAGR
58.9%
EPS terminal req.
$4.66
Spread vs growth
-149.2%
10Y implied EPS CAGR
32.2%
EPS terminal req.
$7.51
Spread vs growth
-122.5%
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
-7.8%
Start / end P/E
10.3x → 94.4x
EPS bridge
4.71 → 0.46
Residual
-734.2%
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.