Financial Services / Credit ServicesBSE
$173.00
+18.00 (+11.61%)
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 43.0/100
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
59/100
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
$1.3B
P/E
145.4x
↑EV/EBITDA
78.4x
↑ROE
10.6%
↑Gross Margin
77.3%
↑Debt/Equity
0.01
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2026 · 3 años de histórico normalizado
Revenue CAGR
+9.5%
FCF CAGR
-37.7%
FCF margin
0.6%
FCF / Net income
0.16x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $241.1M · net income $8.7M · FCF $1.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $241.1M | $241.1M | $239.1M | $213.5M | $183.6M |
| Net Income | $8.7M | $8.7M | $7.4M | $5.8M | $4.4M |
| EBITDA | $16.1M | $16.1M | $15.0M | $12.4M | $10.5M |
| EPS | — | — | 1.61 | 0.91 | 1.25 |
| Gross Margin | 77.3% | 77.3% | 79.6% | 85.4% | 85.4% |
| Operating Margin | 4.6% | 4.6% | 3.9% | 3.5% | 3.1% |
| Net Margin | 3.6% | 3.6% | 3.1% | 2.7% | 2.4% |
| Balance Sheet | |||||
| Debt/Equity | 0.01 | 0.01 | 0.02 | 0.22 | 0.02 |
| Current Ratio | 20.44 | 20.44 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $1.4M | $1.4M | $5.5M | $-15.3M | $5.8M |
| Returns | |||||
| ROE | 10.6% | 10.6% | 10.1% | 12.6% | 10.9% |
| Valuation | |||||
| P/E | 145.38 | 145.38 | 32.00 | 45.83 | 11.63 |
| EV/EBITDA | 78.35 | 78.35 | 23.19 | 21.30 | 3.35 |
| P/B | 15.40 | 15.40 | 5.13 | 5.75 | 1.27 |
| Growth & Yield | |||||
| Revenue Growth | 0.8% | 0.8% | 12.0% | 16.2% | — |
| EPS Growth | — | — | 76.7% | -26.9% | — |
Revenue, Net Income & Free Cash Flow ($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
+137.7%
Start / end P/E
n/dx → n/dx
EPS bridge
1.61 → n/d
Residual
+137.7%
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.