Financial Services / Credit ServicesBSE
$0.44
+0.01 (+2.56%)
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 22.0/100
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
50/100
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
$307M
P/E
1.8x
↓EV/EBITDA
9.6x
↓ROE
6.2%
↓Gross Margin
65.0%
↑Debt/Equity
0.64
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+75.7%
FCF CAGR
—
FCF margin
-223.5%
FCF / Net income
-8.92x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $197.3M · net income $49.5M · FCF $-441.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $197.3M | $197.3M | $102.5M | $48.7M | $36.4M |
| Net Income | $49.5M | $49.5M | $15.2M | $1.4M | $9.4M |
| EBITDA | $86.2M | $86.2M | $28.8M | $2.6M | $13.9M |
| EPS | 0.16 | 0.16 | 0.08 | 0.07 | 0.22 |
| Gross Margin | 65.0% | 65.0% | 60.9% | 27.9% | 40.9% |
| Operating Margin | 40.8% | 40.8% | 20.5% | 4.1% | 36.8% |
| Net Margin | 25.1% | 25.1% | 14.8% | 2.9% | 25.9% |
| Balance Sheet | |||||
| Debt/Equity | 0.64 | 0.64 | 1.03 | 2.39 | 1.02 |
| Current Ratio | 15.08 | 15.08 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-441.0M | $-441.0M | $-184.0M | $-111000.00 | $-120.2M |
| Returns | |||||
| ROE | 6.2% | 6.2% | 5.0% | 1.3% | 9.0% |
| Valuation | |||||
| P/E | 1.76 | 1.76 | 12.62 | 16.49 | 12.81 |
| EV/EBITDA | 9.57 | 9.57 | 17.52 | 103.36 | 16.37 |
| P/B | 0.40 | 0.40 | 0.63 | 0.22 | 1.16 |
| Growth & Yield | |||||
| Revenue Growth | 92.5% | 92.5% | 110.7% | 33.8% | — |
| EPS Growth | 109.0% | 109.0% | 13.2% | -68.1% | — |
| Dividend Yield | 5.0% | 5.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-37.9%
EPS terminal req.
$0.04
Spread vs growth
146.9%
5Y implied EPS CAGR
-21.9%
EPS terminal req.
$0.05
Spread vs growth
130.9%
10Y implied EPS CAGR
-7.3%
EPS terminal req.
$0.08
Spread vs growth
116.3%
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
-28.3%
Start / end P/E
7.7x → 2.5x
EPS bridge
0.08 → 0.16
Residual
-74.2%
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.