Financial Services / Credit ServicesBSE
$0.75
-0.02 (-2.60%)
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 66.0/100
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
44/100
C
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
$40M
P/E
25.0x
↑EV/EBITDA
5.6x
↓ROE
13.4%
↑Gross Margin
57.5%
↑Debt/Equity
0.19
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+20.1%
FCF CAGR
—
FCF margin
-57.8%
FCF / Net income
-2.06x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $26.3M · net income $7.4M · FCF $-15.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $26.3M | $26.3M | $37.5M | $34.1M | $15.2M |
| Net Income | $7.4M | $7.4M | $6.3M | $5.9M | $-4.5M |
| EBITDA | $8.7M | $8.7M | $10.2M | $9.6M | $-2.3M |
| EPS | 0.14 | 0.14 | 0.13 | 0.13 | -0.10 |
| Gross Margin | 57.5% | 57.5% | 48.0% | 70.0% | 49.0% |
| Operating Margin | 28.3% | 28.3% | 22.3% | 23.4% | -23.5% |
| Net Margin | 28.1% | 28.1% | 16.8% | 17.3% | -29.5% |
| Balance Sheet | |||||
| Debt/Equity | 0.19 | 0.19 | 0.35 | 0.47 | 0.98 |
| Cash Flow | |||||
| Free Cash Flow | $-15.2M | $-15.2M | $-580000.00 | $4.4M | $11.0M |
| Returns | |||||
| ROE | 13.4% | 13.4% | 19.4% | 22.5% | -22.0% |
| Valuation | |||||
| P/E | 25.00 | 25.00 | 15.46 | 20.15 | — |
| EV/EBITDA | 5.62 | 5.62 | 10.66 | 14.00 | — |
| P/B | 0.72 | 0.72 | 3.00 | 4.70 | 4.39 |
| Growth & Yield | |||||
| Revenue Growth | -30.0% | -30.0% | 10.1% | 124.8% | — |
| EPS Growth | 7.7% | 7.7% | 0.0% | 236.3% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-22.0%
EPS terminal req.
$0.07
Spread vs growth
29.6%
5Y implied EPS CAGR
-10.5%
EPS terminal req.
$0.08
Spread vs growth
18.2%
10Y implied EPS CAGR
-0.8%
EPS terminal req.
$0.13
Spread vs growth
8.5%
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
-40.9%
Start / end P/E
9.8x → 5.4x
EPS bridge
0.13 → 0.14
Residual
-3.5%
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.