Financial Services / Credit ServicesASX
$1.28
+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 54.0/100
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
61/100
B
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
$160M
P/E
12.8x
↑EV/EBITDA
13.3x
↓ROE
12.0%
↑Gross Margin
100.0%
↑Debt/Equity
9.92
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+20.5%
FCF CAGR
-6.4%
FCF margin
17.2%
FCF / Net income
2.01x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $122.9M · net income $10.5M · FCF $21.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $122.9M | $122.9M | $100.7M | $83.6M | $70.2M |
| Net Income | $10.5M | $10.5M | $7.3M | $13.0M | $17.2M |
| EBITDA | $76.6M | $76.6M | $63.1M | $51.3M | $40.2M |
| EPS | 0.09 | 0.09 | 0.06 | 0.11 | 0.14 |
| Gross Margin | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating Margin | 60.9% | 60.9% | 60.7% | 59.7% | 55.4% |
| Net Margin | 8.6% | 8.6% | 7.3% | 15.6% | 24.5% |
| Balance Sheet | |||||
| Debt/Equity | 9.92 | 9.92 | 8.68 | 6.82 | 6.06 |
| Current Ratio | 203.88 | 203.88 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $21.1M | $21.1M | $13.9M | $20.9M | $25.8M |
| Returns | |||||
| ROE | 12.0% | 12.0% | 8.4% | 14.8% | 20.4% |
| Valuation | |||||
| P/E | 12.80 | 12.80 | 14.63 | 9.41 | 8.67 |
| EV/EBITDA | 13.28 | 13.28 | 13.60 | 13.75 | 16.03 |
| P/B | 1.78 | 1.78 | 1.23 | 1.39 | 1.77 |
| Growth & Yield | |||||
| Revenue Growth | 22.1% | 22.1% | 20.5% | 18.9% | — |
| EPS Growth | 43.1% | 43.1% | -43.1% | -22.5% | — |
| Dividend Yield | 5.5% | 5.5% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
9.5%
EPS terminal req.
$0.11
Spread vs growth
33.7%
5Y implied EPS CAGR
9.7%
EPS terminal req.
$0.14
Spread vs growth
33.5%
10Y implied EPS CAGR
9.8%
EPS terminal req.
$0.22
Spread vs growth
33.3%
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
+60.6%
Start / end P/E
13.6x → 14.8x
EPS bridge
0.06 → 0.09
Residual
+3.6%
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.