Financial Services / Credit ServicesWarsaw
$1.70
+0.03 (+1.49%)
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 29.0/100
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
51/100
C
Piotroski
6/9
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
$11M
P/E
6.5x
↓EV/EBITDA
23.1x
↑ROE
7.0%
↑Gross Margin
N/A
•Debt/Equity
0.22
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+15.2%
FCF CAGR
-39.8%
FCF margin
56.2%
FCF / Net income
0.74x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $569000.0 · net income $434000.0 · FCF $320000.0
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $569000.00 | $569000.00 | $475000.00 | $443000.00 | $372000.00 |
| Net Income | $434000.00 | $434000.00 | $431000.00 | $543000.00 | $250000.00 |
| EBITDA | $532000.00 | $532000.00 | $437000.00 | $583000.00 | $346000.00 |
| EPS | 0.10 | 0.10 | 0.07 | 0.08 | 0.00 |
| Operating Margin | 93.5% | 93.5% | 92.0% | 94.6% | 93.0% |
| Net Margin | 76.3% | 76.3% | 90.7% | 122.6% | 67.2% |
| Balance Sheet | |||||
| Debt/Equity | 0.22 | 0.22 | 0.28 | — | 0.45 |
| Current Ratio | 0.74 | 0.74 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $320000.00 | $320000.00 | $-1.7M | $3.0M | $1.5M |
| Returns | |||||
| ROE | 7.0% | 7.0% | 7.7% | 7.9% | 4.1% |
| Valuation | |||||
| P/E | 6.54 | 6.54 | 29.76 | 23.79 | 1149.82 |
| EV/EBITDA | 23.14 | 23.14 | 33.56 | 21.85 | 39.08 |
| P/B | 1.77 | 1.77 | 2.33 | 1.87 | 1.76 |
| Growth & Yield | |||||
| Revenue Growth | 19.8% | 19.8% | 7.2% | 19.1% | — |
| EPS Growth | 47.1% | 47.1% | -10.9% | 5699.1% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
14.7%
EPS terminal req.
$0.15
Spread vs growth
32.4%
5Y implied EPS CAGR
12.8%
EPS terminal req.
$0.18
Spread vs growth
34.3%
10Y implied EPS CAGR
11.4%
EPS terminal req.
$0.29
Spread vs growth
35.7%
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
-83.8%
Start / end P/E
154.4x → 17.0x
EPS bridge
0.07 → 0.10
Residual
-41.9%
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.