Financial Services / Credit ServicesNSE
$442.15
-4.10 (-0.92%)
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 62.0/100
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
44/100
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
$130.5B
P/E
11.9x
↓EV/EBITDA
11.9x
↓ROE
14.9%
↑Gross Margin
57.0%
↑Debt/Equity
1.11
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2026 · 3 años de histórico normalizado
Revenue CAGR
+29.3%
FCF CAGR
—
FCF margin
-9.1%
FCF / Net income
-0.26x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $31.76B · net income $10.99B · FCF $-2.90B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $31.76B | $31.76B | $27.98B | $20.78B | $14.70B |
| Net Income | $10.99B | $10.99B | $10.72B | $8.36B | $6.03B |
| EBITDA | $16.46B | $16.46B | $14.82B | $11.72B | $9.09B |
| EPS | 37.25 | 37.25 | 36.50 | 28.39 | 20.49 |
| Gross Margin | 57.0% | 57.0% | 57.5% | 61.1% | 68.6% |
| Operating Margin | 50.7% | 50.7% | 51.9% | 53.1% | 58.1% |
| Net Margin | 34.6% | 34.6% | 38.3% | 40.2% | 41.1% |
| Balance Sheet | |||||
| Debt/Equity | 1.11 | 1.11 | 1.26 | 1.22 | 0.98 |
| Current Ratio | 329.68 | 329.68 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-2.90B | $-2.90B | $-11.28B | $-21.45B | $-11.35B |
| Returns | |||||
| ROE | 14.9% | 14.9% | 17.0% | 16.1% | 13.9% |
| Valuation | |||||
| P/E | 11.87 | 11.87 | 18.87 | 26.72 | 26.83 |
| EV/EBITDA | 11.92 | 11.92 | 17.98 | 23.13 | 21.00 |
| P/B | 1.77 | 1.77 | 3.21 | 4.30 | 3.73 |
| Growth & Yield | |||||
| Revenue Growth | 13.5% | 13.5% | 34.7% | 41.4% | — |
| EPS Growth | 2.1% | 2.1% | 28.6% | 38.6% | — |
| Dividend Yield | 0.4% | 0.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
1.7%
EPS terminal req.
$39.23
Spread vs growth
0.3%
5Y implied EPS CAGR
5.0%
EPS terminal req.
$47.47
Spread vs growth
-2.9%
10Y implied EPS CAGR
7.5%
EPS terminal req.
$76.45
Spread vs growth
-5.4%
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
-35.6%
Start / end P/E
18.9x → 11.9x
EPS bridge
36.50 → 37.25
Residual
-0.8%
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.