Financial Services / Credit ServicesASX
$0.13
+0.00 (+4.00%)
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 14.0/100
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
27/100
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
$32M
P/E
13.0x
↑EV/EBITDA
9.6x
↓ROE
3.9%
↓Gross Margin
100.0%
↑Debt/Equity
3.19
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-7.0%
FCF CAGR
-9.7%
FCF margin
42.1%
FCF / Net income
3.06x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $20.9M · net income $2.9M · FCF $8.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $20.9M | $20.9M | $21.9M | $25.7M | $26.0M |
| Net Income | $2.9M | $2.9M | $2.4M | $-7.7M | $13.2M |
| EBITDA | $24.3M | $24.3M | $25.5M | $10.5M | $27.3M |
| EPS | 0.01 | 0.01 | 0.01 | -0.03 | 0.05 |
| Gross Margin | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating Margin | -42.5% | -42.5% | -44.2% | -95.0% | -10.8% |
| Net Margin | 13.7% | 13.7% | 11.2% | -30.1% | 50.9% |
| Balance Sheet | |||||
| Debt/Equity | 3.19 | 3.19 | 3.26 | 3.83 | 3.45 |
| Current Ratio | 0.76 | 0.76 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $8.8M | $8.8M | $8.2M | $8.3M | $11.9M |
| Returns | |||||
| ROE | 3.9% | 3.9% | 3.4% | -10.5% | 15.5% |
| Valuation | |||||
| P/E | 13.00 | 13.00 | 19.19 | — | 10.09 |
| EV/EBITDA | 9.65 | 9.65 | 9.55 | 27.19 | 13.71 |
| P/B | 0.48 | 0.48 | 0.65 | 0.77 | 1.57 |
| Growth & Yield | |||||
| Revenue Growth | -4.4% | -4.4% | -14.9% | -0.9% | — |
| EPS Growth | 20.9% | 20.9% | 132.1% | -157.5% | — |
| Dividend Yield | 7.2% | 7.2% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.5%
EPS terminal req.
$0.01
Spread vs growth
17.4%
5Y implied EPS CAGR
6.1%
EPS terminal req.
$0.01
Spread vs growth
14.9%
10Y implied EPS CAGR
8.0%
EPS terminal req.
$0.02
Spread vs growth
12.9%
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
-30.9%
Start / end P/E
24.4x → 12.5x
EPS bridge
0.01 → 0.01
Residual
-10.2%
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.