Financial Services / Credit ServicesBSE
$7.86
-0.08 (-1.01%)
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 19.0/100
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
49/100
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
$147M
P/E
5.8x
↓EV/EBITDA
12.2x
↓ROE
4.9%
↓Gross Margin
55.8%
↑Debt/Equity
0.52
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+31.9%
FCF CAGR
—
FCF margin
96.7%
FCF / Net income
2.49x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $58.3M · net income $22.6M · FCF $56.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $58.3M | $58.3M | $65.5M | $39.1M | $25.4M |
| Net Income | $22.6M | $22.6M | $25.3M | $18.8M | $7.5M |
| EBITDA | $31.5M | $31.5M | $33.8M | $24.3M | $10.4M |
| EPS | 1.21 | 1.21 | 1.35 | 1.00 | 0.40 |
| Gross Margin | 55.8% | 55.8% | 48.1% | 55.0% | 72.2% |
| Operating Margin | 48.8% | 48.8% | 41.2% | 47.8% | 66.8% |
| Net Margin | 38.8% | 38.8% | 38.6% | 48.0% | 29.5% |
| Balance Sheet | |||||
| Debt/Equity | 0.52 | 0.52 | 0.67 | 0.57 | 0.22 |
| Cash Flow | |||||
| Free Cash Flow | $56.4M | $56.4M | $-57.8M | $-176.9M | $-85.5M |
| Returns | |||||
| ROE | 4.9% | 4.9% | 5.8% | 4.6% | 1.9% |
| Valuation | |||||
| P/E | 5.78 | 5.78 | 5.02 | 7.09 | 23.90 |
| EV/EBITDA | 12.19 | 12.19 | 12.40 | 15.08 | 25.35 |
| P/B | 0.32 | 0.32 | 0.29 | 0.32 | 0.46 |
| Growth & Yield | |||||
| Revenue Growth | -10.9% | -10.9% | 67.5% | 53.9% | — |
| EPS Growth | -10.4% | -10.4% | 35.0% | 150.0% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-16.8%
EPS terminal req.
$0.70
Spread vs growth
6.4%
5Y implied EPS CAGR
-7.0%
EPS terminal req.
$0.84
Spread vs growth
-3.4%
10Y implied EPS CAGR
1.2%
EPS terminal req.
$1.36
Spread vs growth
-11.5%
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
+6.2%
Start / end P/E
5.5x → 6.5x
EPS bridge
1.35 → 1.21
Residual
-1.9%
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.