Financial Services / Credit ServicesBSE
$30.58
-1.60 (-4.97%)
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 10.0/100
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
40/100
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
$92M
P/E
26.1x
↑EV/EBITDA
23.2x
↑ROE
4.3%
↓Gross Margin
58.7%
↑Debt/Equity
0.89
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+16.3%
FCF CAGR
—
FCF margin
-139.3%
FCF / Net income
-9.25x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $16.5M · net income $2.5M · FCF $-23.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $16.5M | $16.5M | $13.4M | $9.0M | $10.5M |
| Net Income | $2.5M | $2.5M | $3.4M | $240405.00 | $-2.7M |
| EBITDA | $6.1M | $6.1M | $6.4M | $1.6M | $-951288.00 |
| EPS | 0.83 | 0.83 | 1.13 | 0.08 | -0.90 |
| Gross Margin | 58.7% | 58.7% | 55.6% | 53.4% | 49.5% |
| Operating Margin | 18.5% | 18.5% | 16.0% | 18.4% | 20.3% |
| Net Margin | 15.1% | 15.1% | 25.2% | 2.7% | -25.9% |
| Balance Sheet | |||||
| Debt/Equity | 0.89 | 0.89 | 0.67 | 0.31 | 0.46 |
| Current Ratio | 6.29 | 6.29 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-23.0M | $-23.0M | $-28.0M | $9.8M | $2.5M |
| Returns | |||||
| ROE | 4.3% | 4.3% | 6.1% | 0.5% | -5.3% |
| Valuation | |||||
| P/E | 26.14 | 26.14 | 12.39 | 111.25 | — |
| EV/EBITDA | 23.16 | 23.16 | 11.96 | 25.07 | — |
| P/B | 1.59 | 1.59 | 0.76 | 0.52 | 0.97 |
| Growth & Yield | |||||
| Revenue Growth | 23.0% | 23.0% | 48.7% | -13.9% | — |
| EPS Growth | -26.5% | -26.5% | 1312.5% | 108.9% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
48.4%
EPS terminal req.
$2.71
Spread vs growth
-75.0%
5Y implied EPS CAGR
31.7%
EPS terminal req.
$3.28
Spread vs growth
-58.2%
10Y implied EPS CAGR
20.3%
EPS terminal req.
$5.29
Spread vs growth
-46.9%
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
+15.0%
Start / end P/E
23.5x → 36.8x
EPS bridge
1.13 → 0.83
Residual
-15.0%
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.