Financial Services / Insurance - Property & CasualtyToronto
$2173.00
+61.24 (+2.90%)
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 71.0/100
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
46/100
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
$44.8B
P/E
7.8x
↓EV/EBITDA
N/A
•ROE
18.0%
↑Gross Margin
N/A
•Debt/Equity
0.56
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+15.8%
FCF CAGR
—
FCF margin
6.0%
FCF / Net income
0.38x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $30.41B · net income $4.77B · FCF $1.83B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $30.41B | $30.41B | $26.96B | $25.80B | $19.58B |
| Net Income | $4.77B | $4.77B | $3.87B | $4.38B | $3.37B |
| EPS | 213.78 | 213.78 | 160.56 | 173.24 | 43.49 |
| Net Margin | 15.7% | 15.7% | 14.4% | 17.0% | 17.2% |
| Balance Sheet | |||||
| Debt/Equity | 0.56 | 0.56 | 0.54 | 0.47 | 0.51 |
| Current Ratio | 2.55 | 2.55 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $1.83B | $1.83B | $3.59B | $-553.5M | $-4.84B |
| Returns | |||||
| ROE | 18.0% | 18.0% | 16.1% | 19.1% | 17.7% |
| Valuation | |||||
| P/E | 7.78 | 7.78 | 12.43 | 7.40 | 18.58 |
| P/B | 1.89 | 1.89 | 2.00 | 1.41 | 1.11 |
| Growth & Yield | |||||
| Revenue Growth | 12.8% | 12.8% | 4.5% | 31.8% | — |
| EPS Growth | 33.1% | 33.1% | -7.3% | 298.3% | — |
| Dividend Yield | 1.0% | 1.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-3.4%
EPS terminal req.
$192.82
Spread vs growth
36.5%
5Y implied EPS CAGR
1.8%
EPS terminal req.
$233.31
Spread vs growth
31.4%
10Y implied EPS CAGR
5.8%
EPS terminal req.
$375.75
Spread vs growth
27.3%
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
-4.2%
Start / end P/E
14.3x → 10.2x
EPS bridge
160.56 → 213.78
Residual
-9.5%
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.