Financial Services / Credit ServicesNYSE
$5.32
+0.07 (+1.33%)
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 65.0/100
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
53/100
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
$1.3B
P/E
4.3x
↓EV/EBITDA
1.1x
↓ROE
15.4%
↑Gross Margin
78.4%
↑Debt/Equity
0.08
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+6.4%
FCF CAGR
+112.8%
FCF margin
13.0%
FCF / Net income
0.70x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $13.61B · net income $2.54B · FCF $1.77B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $13.61B | $13.61B | $13.09B | $12.60B | $11.28B |
| Net Income | $2.54B | $2.54B | $2.38B | $2.34B | $2.27B |
| EBITDA | $3.22B | $3.22B | $2.93B | $2.85B | $2.58B |
| EPS | — | — | 9.05 | 8.35 | 7.80 |
| Gross Margin | 78.4% | 78.4% | 81.6% | 82.8% | 80.6% |
| Operating Margin | 21.8% | 21.8% | 19.4% | 18.9% | 22.3% |
| Net Margin | 18.7% | 18.7% | 18.2% | 18.6% | 20.1% |
| Balance Sheet | |||||
| Debt/Equity | 0.08 | 0.08 | 0.00 | 0.00 | 0.01 |
| Current Ratio | 12.94 | 12.94 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $1.77B | $1.77B | $2.87B | $822.8M | $184.1M |
| Returns | |||||
| ROE | 15.4% | 15.4% | 15.7% | 17.0% | 18.3% |
| Valuation | |||||
| P/E | 4.29 | 4.29 | 0.76 | 0.58 | 0.68 |
| EV/EBITDA | 1.09 | 1.09 | -0.96 | -1.25 | -0.74 |
| P/B | 0.39 | 0.39 | 0.12 | 0.10 | 0.13 |
| Growth & Yield | |||||
| Revenue Growth | 4.0% | 4.0% | 3.8% | 11.7% | — |
| EPS Growth | — | — | 8.4% | 7.1% | — |
| Dividend Yield | 5.8% | 5.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
-30.5%
Start / end P/E
n/dx → n/dx
EPS bridge
9.05 → n/d
Residual
-36.4%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.