Financial Services / Mortgage FinanceBSE
$63.03
+0.33 (+0.50%)
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 7.0/100
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
56/100
C
Piotroski
5/9
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
$316M
P/E
47.4x
↑EV/EBITDA
51.0x
↑ROE
6.4%
↓Gross Margin
87.1%
↑Debt/Equity
0.15
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+51.5%
FCF CAGR
—
FCF margin
-56.0%
FCF / Net income
-1.72x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $11.8M · net income $3.8M · FCF $-6.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $11.8M | $11.8M | $4.3M | $3.4M | $3.4M |
| Net Income | $3.8M | $3.8M | $1.0M | $88868.00 | $60695.00 |
| EBITDA | $5.8M | $5.8M | $1.4M | $121725.00 | $433457.00 |
| EPS | 0.76 | 0.76 | 0.34 | 0.03 | 0.02 |
| Gross Margin | 87.1% | 87.1% | 77.8% | 64.4% | 73.4% |
| Operating Margin | 49.6% | 49.6% | 32.6% | 7.2% | 12.4% |
| Net Margin | 32.5% | 32.5% | 24.1% | 2.6% | 1.8% |
| Balance Sheet | |||||
| Debt/Equity | 0.15 | 0.15 | 0.00 | — | — |
| Current Ratio | 6.06 | 6.06 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-6.6M | $-6.6M | $-907100.00 | $1.6M | $-2.1M |
| Returns | |||||
| ROE | 6.4% | 6.4% | 3.1% | 0.3% | 0.2% |
| Valuation | |||||
| P/E | 47.39 | 47.39 | 24.50 | 264.67 | 397.00 |
| EV/EBITDA | 50.95 | 50.95 | 16.29 | 169.97 | 51.39 |
| P/B | 5.28 | 5.28 | 0.76 | 0.75 | 0.75 |
| Growth & Yield | |||||
| Revenue Growth | 175.0% | 175.0% | 26.2% | 0.1% | — |
| EPS Growth | 123.5% | 123.5% | 1033.3% | 50.0% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
94.5%
EPS terminal req.
$5.59
Spread vs growth
29.0%
5Y implied EPS CAGR
54.9%
EPS terminal req.
$6.77
Spread vs growth
68.7%
10Y implied EPS CAGR
30.5%
EPS terminal req.
$10.90
Spread vs growth
93.0%
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
+696.3%
Start / end P/E
24.5x → 87.3x
EPS bridge
0.34 → 0.76
Residual
+316.5%
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.