Financial Services / Credit ServicesBSE
$158.15
+1.25 (+0.80%)
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 45.0/100
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
54/100
C
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
$59.2B
P/E
17.3x
↑EV/EBITDA
28.5x
↑ROE
11.7%
↑Gross Margin
40.0%
↓Debt/Equity
4.36
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2026 · 3 años de histórico normalizado
Revenue CAGR
+24.2%
FCF CAGR
—
FCF margin
-76.8%
FCF / Net income
-4.93x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $22.06B · net income $3.44B · FCF $-16.94B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $22.06B | $22.06B | $20.36B | $15.22B | $11.51B |
| Net Income | $3.44B | $3.44B | $2.25B | $2.45B | $1.80B |
| EBITDA | $6.10B | $6.10B | $5.25B | $3.75B | $2.94B |
| EPS | 9.12 | 9.12 | 6.04 | 7.12 | 5.58 |
| Gross Margin | 40.0% | 40.0% | 38.0% | 35.9% | 39.2% |
| Operating Margin | 25.2% | 25.2% | 23.4% | 19.8% | 22.7% |
| Net Margin | 15.6% | 15.6% | 11.1% | 16.1% | 15.6% |
| Balance Sheet | |||||
| Debt/Equity | 4.36 | 4.36 | 4.10 | 3.69 | 5.36 |
| Current Ratio | 424.37 | 424.37 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-16.94B | $-16.94B | $-9.96B | $-7.89B | $-14.89B |
| Returns | |||||
| ROE | 11.7% | 11.7% | 8.8% | 10.8% | 13.3% |
| Valuation | |||||
| P/E | 17.34 | 17.34 | 14.52 | 17.87 | — |
| EV/EBITDA | 28.49 | 28.49 | 24.71 | 33.42 | — |
| P/B | 2.04 | 2.04 | 1.28 | 1.93 | — |
| Growth & Yield | |||||
| Revenue Growth | 8.3% | 8.3% | 33.7% | 32.2% | — |
| EPS Growth | 51.0% | 51.0% | -15.2% | 27.5% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
15.4%
EPS terminal req.
$14.03
Spread vs growth
35.5%
5Y implied EPS CAGR
13.2%
EPS terminal req.
$16.98
Spread vs growth
37.8%
10Y implied EPS CAGR
11.6%
EPS terminal req.
$27.35
Spread vs growth
39.4%
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
+69.2%
Start / end P/E
15.5x → 17.3x
EPS bridge
6.04 → 9.12
Residual
+6.2%
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.