Financial Services / Credit ServicesBSE
$59.00
-1.08 (-1.80%)
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 33.0/100
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
48/100
C
Piotroski
5/9
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
$2.0B
P/E
15.4x
↑EV/EBITDA
16.3x
↑ROE
10.5%
↑Gross Margin
63.3%
↑Debt/Equity
0.18
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+36.6%
FCF CAGR
—
FCF margin
-63.1%
FCF / Net income
-1.51x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $215.7M · net income $90.4M · FCF $-136.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $215.7M | $215.7M | $133.4M | $115.1M | $84.7M |
| Net Income | $90.4M | $90.4M | $41.4M | $34.8M | $24.8M |
| EBITDA | $123.0M | $123.0M | $56.8M | $47.5M | $34.2M |
| EPS | 2.57 | 2.57 | 1.37 | 1.15 | 0.85 |
| Gross Margin | 63.3% | 63.3% | 56.4% | 58.8% | 52.5% |
| Operating Margin | 57.0% | 57.0% | 44.8% | 43.9% | 42.0% |
| Net Margin | 41.9% | 41.9% | 31.0% | 30.2% | 29.2% |
| Balance Sheet | |||||
| Debt/Equity | 0.18 | 0.18 | 0.30 | 0.12 | 0.13 |
| Current Ratio | 32.67 | 32.67 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-136.1M | $-136.1M | $-117.5M | $14.5M | $-231.4M |
| Returns | |||||
| ROE | 10.5% | 10.5% | 8.7% | 7.9% | 6.5% |
| Valuation | |||||
| P/E | 15.40 | 15.40 | 24.87 | 20.63 | 21.01 |
| EV/EBITDA | 16.34 | 16.34 | 20.01 | 14.87 | 16.03 |
| P/B | 2.37 | 2.37 | 2.16 | 1.63 | 1.37 |
| Growth & Yield | |||||
| Revenue Growth | 61.7% | 61.7% | 15.9% | 35.9% | — |
| EPS Growth | 87.4% | 87.4% | 19.1% | 35.3% | — |
| Dividend Yield | 0.3% | 0.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
26.7%
EPS terminal req.
$5.24
Spread vs growth
60.7%
5Y implied EPS CAGR
19.7%
EPS terminal req.
$6.33
Spread vs growth
67.7%
10Y implied EPS CAGR
14.8%
EPS terminal req.
$10.20
Spread vs growth
72.6%
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
-39.4%
Start / end P/E
71.2x → 22.9x
EPS bridge
1.37 → 2.57
Residual
-59.2%
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.