Financial Services / Mortgage FinanceJohannesburg
$103.00
+3.00 (+3.00%)
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 9.0/100
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
39/100
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
$483M
P/E
6.9x
↓EV/EBITDA
N/A
•ROE
14.3%
↑Gross Margin
N/A
•Debt/Equity
6.70
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2026 · 3 años de histórico normalizado
Revenue CAGR
+5.3%
FCF CAGR
—
FCF margin
-26.3%
FCF / Net income
-4.16x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.10B · net income $69.4M · FCF $-288.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $1.10B | $1.10B | $1.07B | $1.05B | $939.6M |
| Net Income | $69.4M | $69.4M | $31.8M | $557000.00 | $-274.8M |
| EPS | 0.15 | 0.15 | 0.07 | 0.00 | -0.33 |
| Net Margin | 6.3% | 6.3% | 3.0% | 0.1% | -29.3% |
| Balance Sheet | |||||
| Debt/Equity | 6.70 | 6.70 | 4.18 | 3.27 | 3.10 |
| Current Ratio | 2.56 | 2.56 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-288.8M | $-288.8M | $-269.0M | $-181.3M | $-225.4M |
| Returns | |||||
| ROE | 14.3% | 14.3% | 4.4% | 0.1% | -34.5% |
| Valuation | |||||
| P/E | 6.87 | 6.87 | 1214.29 | 38000.00 | — |
| P/B | 101.15 | 101.15 | 53.10 | 33.62 | 29.43 |
| Growth & Yield | |||||
| Revenue Growth | 2.5% | 2.5% | 2.0% | 11.6% | — |
| EPS Growth | 108.6% | 108.6% | 6900.0% | 100.3% | — |
| Dividend Yield | 9.6% | 9.6% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
297.1%
EPS terminal req.
$9.14
Spread vs growth
-188.5%
5Y implied EPS CAGR
137.6%
EPS terminal req.
$11.06
Spread vs growth
-29.0%
10Y implied EPS CAGR
61.7%
EPS terminal req.
$17.81
Spread vs growth
46.9%
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
+38.3%
Start / end P/E
1142.9x → 705.5x
EPS bridge
0.07 → 0.15
Residual
-41.6%
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.