Financial Services / Insurance - Property & CasualtyNasdaqGS
$26.98
-0.02 (-0.07%)
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 16.0/100
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
27/100
D
Piotroski
4/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
20/100
SEC 0%
Sin guardar todavía.
Market Cap
$394M
P/E
11.5x
↓EV/EBITDA
N/A
•ROE
3.6%
↓Gross Margin
N/A
•Debt/Equity
0.01
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+0.9%
FCF CAGR
—
FCF margin
2.0%
FCF / Net income
0.36x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $450.1M · net income $25.3M · FCF $9.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $450.1M | $450.1M | $441.2M | $528.1M | $628.5M | $678.3M | $583.5M | $604.5M | $498.9M | $485.5M | $534.5M | $538.8M | $333.8M | $319.1M | $293.0M | $385.0M | $370.1M | $387.8M |
| Net Income | $25.3M | $25.3M | $43.2M | $25.4M | $-850000.00 | $29.4M | $-21.0M | $70.0M | $-56.7M | $-9.6M | $49.9M | $41.5M | $62.9M | $61.7M | $34.8M | $-38.3M | $84.9M | $75.4M |
| EPS | — | — | 3.12 | 1.83 | -0.09 | 1.97 | -1.48 | 4.88 | -4.02 | -0.55 | 2.84 | 1.69 | 2.48 | 2.45 | 1.30 | -1.27 | 2.80 | 2.91 |
| Net Margin | 5.6% | 5.6% | 9.8% | 4.8% | -0.1% | 4.3% | -3.6% | 11.6% | -11.4% | -2.0% | 9.3% | 7.7% | 18.8% | 19.3% | 11.9% | -10.0% | 22.9% | 19.5% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.01 | 0.01 | 0.02 | 0.02 | 0.03 | 0.18 | 0.18 | 0.41 | 0.46 | 0.41 | 0.20 | 0.23 | 0.19 | — | 0.11 | 0.12 | 0.13 | — |
| Current Ratio | 1.12 | 1.12 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $9.1M | $9.1M | $38.8M | $42.9M | $44.2M | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||
| ROE | 3.6% | 3.6% | 6.3% | 3.9% | -0.1% | 4.2% | -2.9% | 9.6% | -9.0% | -1.3% | 6.2% | 5.5% | 6.9% | 7.1% | 4.3% | -4.6% | 9.2% | 9.1% |
| Valuation | ||||||||||||||||||
| P/E | 11.53 | 11.53 | 11.57 | 17.63 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.55 | 0.55 | 0.72 | 0.68 | 0.62 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 2.0% | 2.0% | -16.5% | -16.0% | — | 16.2% | -3.5% | 21.2% | 2.8% | -9.2% | -0.8% | 61.4% | 4.6% | 8.9% | -23.9% | 4.0% | -4.5% | — |
| EPS Growth | — | — | 70.5% | 2133.3% | — | 233.1% | -130.3% | 221.4% | -630.9% | -119.4% | 68.0% | -31.9% | 1.2% | 88.5% | 202.4% | -145.4% | -3.8% | — |
| Dividend Yield | 5.2% | 5.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
-5.1%
Start / end P/E
n/dx → n/dx
EPS bridge
3.12 → n/d
Residual
-10.3%
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.