Financial Services / Mortgage FinanceNSE
$150.32
+1.55 (+1.04%)
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 33.0/100
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
24/100
D
Piotroski
3/9
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
$8.1B
P/E
5.2x
↓EV/EBITDA
41.4x
↑ROE
7.3%
↑Gross Margin
27.3%
↓Debt/Equity
4.33
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2026 · 3 años de histórico normalizado
Revenue CAGR
-0.5%
FCF CAGR
—
FCF margin
-30.4%
FCF / Net income
-2.10x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $10.69B · net income $1.55B · FCF $-3.25B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $10.69B | $10.69B | $10.55B | $10.31B | $10.85B |
| Net Income | $1.55B | $1.55B | $1.60B | $1.51B | $2.13B |
| EBITDA | $2.39B | $2.39B | $2.41B | $2.21B | $3.01B |
| EPS | 28.75 | 28.75 | 29.79 | 28.11 | 39.60 |
| Gross Margin | 27.3% | 27.3% | 26.3% | 26.6% | 31.3% |
| Operating Margin | 21.3% | 21.3% | 21.5% | 18.6% | 24.8% |
| Net Margin | 14.5% | 14.5% | 15.2% | 14.7% | 19.7% |
| Balance Sheet | |||||
| Debt/Equity | 4.33 | 4.33 | 4.45 | 4.69 | 5.40 |
| Current Ratio | 5.48 | 5.48 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-3.25B | $-3.25B | $-201.8M | $5.18B | $10.37B |
| Returns | |||||
| ROE | 7.3% | 7.3% | 8.2% | 8.3% | 12.5% |
| Valuation | |||||
| P/E | 5.23 | 5.23 | 5.73 | 8.00 | 4.14 |
| EV/EBITDA | 41.41 | 41.41 | 39.83 | 44.20 | 33.12 |
| P/B | 0.38 | 0.38 | 0.47 | 0.66 | 0.52 |
| Growth & Yield | |||||
| Revenue Growth | 1.3% | 1.3% | 2.3% | -5.0% | — |
| EPS Growth | -3.5% | -3.5% | 6.0% | -29.0% | — |
| Dividend Yield | 3.0% | 3.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-22.6%
EPS terminal req.
$13.34
Spread vs growth
19.1%
5Y implied EPS CAGR
-10.9%
EPS terminal req.
$16.14
Spread vs growth
7.4%
10Y implied EPS CAGR
-1.0%
EPS terminal req.
$25.99
Spread vs growth
-2.5%
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
-16.2%
Start / end P/E
6.2x → 5.2x
EPS bridge
29.79 → 28.75
Residual
+0.6%
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.