Financial Services / Credit ServicesMexico
$7.99
+0.00 (+0.00%)
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 52.0/100
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
35/100
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
$2.7B
P/E
4.0x
↓EV/EBITDA
N/A
•ROE
11.2%
↑Gross Margin
N/A
•Debt/Equity
0.94
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+0.7%
FCF CAGR
+36.6%
FCF margin
38.8%
FCF / Net income
3.15x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $4.97B · net income $611.5M · FCF $1.93B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $4.97B | $4.97B | $5.04B | $4.91B | $4.87B |
| Net Income | $611.5M | $611.5M | $804.4M | $710.0M | $625.0M |
| EPS | 2.09 | 2.09 | 2.73 | 2.33 | 2.04 |
| Net Margin | 12.3% | 12.3% | 16.0% | 14.5% | 12.8% |
| Balance Sheet | |||||
| Debt/Equity | 0.94 | 0.94 | 0.74 | 0.84 | 1.28 |
| Current Ratio | 31.04 | 31.04 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $1.93B | $1.93B | $533.7M | $97.2M | $755.1M |
| Returns | |||||
| ROE | 11.2% | 11.2% | 12.9% | 13.4% | 13.2% |
| Valuation | |||||
| P/E | 3.98 | 3.98 | 2.87 | 4.29 | 3.92 |
| P/B | 0.43 | 0.43 | 0.37 | 0.57 | 0.52 |
| Growth & Yield | |||||
| Revenue Growth | -1.4% | -1.4% | 2.7% | 0.8% | — |
| EPS Growth | -23.4% | -23.4% | 17.2% | 14.3% | — |
| Dividend Yield | 11.4% | 11.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-30.3%
EPS terminal req.
$0.71
Spread vs growth
6.9%
5Y implied EPS CAGR
-16.3%
EPS terminal req.
$0.86
Spread vs growth
-7.0%
10Y implied EPS CAGR
-4.1%
EPS terminal req.
$1.38
Spread vs growth
-19.3%
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
+5.4%
Start / end P/E
3.1x → 3.8x
EPS bridge
2.73 → 2.09
Residual
-5.3%
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.