Financial Services / Credit ServicesBSE
$36.04
-0.85 (-2.30%)
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 63.0/100
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
47/100
C
Piotroski
2/9
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
$7.3B
P/E
9.5x
↓EV/EBITDA
14.4x
↑ROE
6.0%
↓Gross Margin
12.8%
↓Debt/Equity
0.13
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+66.2%
FCF CAGR
—
FCF margin
-64.2%
FCF / Net income
-7.49x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $4.40B · net income $377.1M · FCF $-2.83B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $4.40B | $4.40B | $5.36B | $1.31B | $958.4M |
| Net Income | $377.1M | $377.1M | $939.8M | $207.2M | $573.1M |
| EBITDA | $426.1M | $426.1M | $977.0M | $220.7M | $374.8M |
| EPS | 2.54 | 2.54 | 10.23 | 5.92 | 16.37 |
| Gross Margin | 12.8% | 12.8% | 20.8% | 25.4% | 47.2% |
| Operating Margin | 5.8% | 5.8% | 10.8% | 12.6% | 7.7% |
| Net Margin | 8.6% | 8.6% | 17.5% | 15.8% | 59.8% |
| Balance Sheet | |||||
| Debt/Equity | 0.13 | 0.13 | 0.14 | 0.14 | 0.03 |
| Cash Flow | |||||
| Free Cash Flow | $-2.83B | $-2.83B | $-1.17B | $-238.6M | $-636.6M |
| Returns | |||||
| ROE | 6.0% | 6.0% | 22.8% | 8.7% | 38.8% |
| Valuation | |||||
| P/E | 9.48 | 9.48 | 78.53 | 71.36 | 4.66 |
| EV/EBITDA | 14.42 | 14.42 | 76.13 | 68.49 | 7.17 |
| P/B | 0.85 | 0.85 | 17.87 | 6.24 | 1.81 |
| Growth & Yield | |||||
| Revenue Growth | -18.0% | -18.0% | 310.2% | 36.4% | — |
| EPS Growth | -75.2% | -75.2% | 72.9% | -63.8% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
8.0%
EPS terminal req.
$3.20
Spread vs growth
-83.2%
5Y implied EPS CAGR
8.8%
EPS terminal req.
$3.87
Spread vs growth
-84.0%
10Y implied EPS CAGR
9.4%
EPS terminal req.
$6.23
Spread vs growth
-84.6%
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
-20.5%
Start / end P/E
4.4x → 14.2x
EPS bridge
10.23 → 2.54
Residual
-165.6%
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.