Financial Services / Mortgage FinanceNZSE
$0.27
+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 39.0/100
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
37/100
D
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
$25M
P/E
13.5x
↑EV/EBITDA
-0.7x
↓ROE
9.6%
↑Gross Margin
92.0%
↑Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-69.6%
FCF CAGR
—
FCF margin
18166.1%
FCF / Net income
14.58x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $225242.0 · net income $2.8M · FCF $40.9M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $225242.00 | $225242.00 | $164856.00 | $110682.00 | $8.0M |
| Net Income | $2.8M | $2.8M | $2.6M | $2.3M | $1.3M |
| EBITDA | $15.7M | $15.7M | $11.7M | $9.2M | $5.0M |
| EPS | 0.03 | 0.03 | 0.03 | 0.04 | 0.03 |
| Gross Margin | 92.0% | 92.0% | 89.4% | 96.4% | 99.3% |
| Operating Margin | -3006.4% | -3006.4% | -3229.8% | -4545.2% | 60.5% |
| Net Margin | 1245.7% | 1245.7% | 1597.2% | 2040.3% | 16.8% |
| Balance Sheet | |||||
| Debt/Equity | — | — | — | 4.60 | 0.03 |
| Current Ratio | 1.10 | 1.10 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $40.9M | $40.9M | $4.0M | $-3.5M | $-24.0M |
| Returns | |||||
| ROE | 9.6% | 9.6% | 9.8% | 9.4% | 10.1% |
| Valuation | |||||
| P/E | 13.50 | 13.50 | 10.14 | 8.57 | 6.54 |
| EV/EBITDA | -0.71 | -0.71 | 0.96 | 12.33 | -4.82 |
| P/B | 0.85 | 0.85 | 0.99 | 0.81 | 0.66 |
| Growth & Yield | |||||
| Revenue Growth | 36.6% | 36.6% | 48.9% | -98.6% | — |
| EPS Growth | 7.3% | 7.3% | -26.5% | 25.6% | — |
| Dividend Yield | 6.3% | 6.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-8.1%
EPS terminal req.
$0.02
Spread vs growth
15.4%
5Y implied EPS CAGR
-1.3%
EPS terminal req.
$0.03
Spread vs growth
8.6%
10Y implied EPS CAGR
4.2%
EPS terminal req.
$0.05
Spread vs growth
3.1%
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
+8.2%
Start / end P/E
9.2x → 8.7x
EPS bridge
0.03 → 0.03
Residual
-0.4%
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.