Financial Services / Banks - RegionalParis
$70.82
-0.81 (-1.13%)
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 20.0/100
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
39/100
D
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
$51.7B
P/E
10.2x
↓EV/EBITDA
N/A
•ROE
8.6%
↑Gross Margin
N/A
•Debt/Equity
2.38
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+13.4%
FCF CAGR
—
FCF margin
-55.2%
FCF / Net income
-4.83x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $52.60B · net income $6.00B · FCF $-29.01B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $52.60B | $52.60B | $52.51B | $44.36B | $36.10B |
| Net Income | $6.00B | $6.00B | $4.20B | $2.49B | $1.82B |
| EPS | 6.80 | 6.80 | 4.38 | 2.17 | 1.50 |
| Net Margin | 11.4% | 11.4% | 8.0% | 5.6% | 5.1% |
| Balance Sheet | |||||
| Debt/Equity | 2.38 | 2.38 | 2.61 | 2.75 | 2.31 |
| Cash Flow | |||||
| Free Cash Flow | $-29.01B | $-29.01B | $-21.53B | $25.56B | $29.50B |
| Returns | |||||
| ROE | 8.6% | 8.6% | 6.0% | 3.8% | 2.7% |
| Valuation | |||||
| P/E | 10.18 | 10.18 | 6.06 | 11.27 | 17.01 |
| P/B | 0.78 | 0.78 | 0.30 | 0.30 | 0.31 |
| Growth & Yield | |||||
| Revenue Growth | 0.2% | 0.2% | 18.4% | 22.9% | — |
| EPS Growth | 55.3% | 55.3% | 101.8% | 44.7% | — |
| Dividend Yield | 2.3% | 2.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-2.6%
EPS terminal req.
$6.28
Spread vs growth
57.8%
5Y implied EPS CAGR
2.3%
EPS terminal req.
$7.60
Spread vs growth
53.0%
10Y implied EPS CAGR
6.1%
EPS terminal req.
$12.25
Spread vs growth
49.2%
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
+46.9%
Start / end P/E
11.2x → 10.4x
EPS bridge
4.38 → 6.80
Residual
-3.8%
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.