Financial Services / Credit ServicesMilan
$27.00
-0.10 (-0.37%)
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 98.0/100
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
49/100
C
Piotroski
7/9
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
$341M
P/E
11.9x
↓EV/EBITDA
18.2x
↑ROE
29.2%
↑Gross Margin
60.8%
↑Debt/Equity
6.57
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+34.2%
FCF CAGR
—
FCF margin
10.7%
FCF / Net income
0.37x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $100.2M · net income $28.8M · FCF $10.7M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $100.2M | $100.2M | $80.8M | $62.3M | $41.4M |
| Net Income | $28.8M | $28.8M | $21.1M | $15.1M | $10.9M |
| EBITDA | $48.3M | $48.3M | $34.5M | $24.3M | $18.4M |
| EPS | 2.28 | 2.28 | 1.67 | 1.19 | 0.97 |
| Gross Margin | 60.8% | 60.8% | 54.0% | 51.8% | 65.3% |
| Operating Margin | 46.4% | 46.4% | 40.7% | 37.1% | 44.4% |
| Net Margin | 28.7% | 28.7% | 26.1% | 24.2% | 26.3% |
| Balance Sheet | |||||
| Debt/Equity | 6.57 | 6.57 | 7.13 | 5.86 | 6.06 |
| Current Ratio | 4.74 | 4.74 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $10.7M | $10.7M | $108.2M | $-16.7M | $-2.7M |
| Returns | |||||
| ROE | 29.2% | 29.2% | 26.3% | 22.7% | 19.2% |
| Valuation | |||||
| P/E | 11.89 | 11.89 | 7.75 | 7.82 | 7.36 |
| EV/EBITDA | 18.18 | 18.18 | 18.37 | 19.96 | 20.68 |
| P/B | 3.47 | 3.47 | 2.04 | 1.77 | 1.42 |
| Growth & Yield | |||||
| Revenue Growth | 23.9% | 23.9% | 29.8% | 50.3% | — |
| EPS Growth | 36.5% | 36.5% | 40.5% | 22.9% | — |
| Dividend Yield | 5.0% | 5.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
1.7%
EPS terminal req.
$2.40
Spread vs growth
34.9%
5Y implied EPS CAGR
4.9%
EPS terminal req.
$2.90
Spread vs growth
31.6%
10Y implied EPS CAGR
7.4%
EPS terminal req.
$4.67
Spread vs growth
29.1%
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
+85.0%
Start / end P/E
9.0x → 11.8x
EPS bridge
1.67 → 2.28
Residual
+11.6%
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.