Financial Services / Credit ServicesToronto
$40.23
+0.02 (+0.05%)
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 77.0/100
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
31/100
D
Piotroski
1/9
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
$645M
P/E
N/A
•EV/EBITDA
5.1x
↓ROE
-21.0%
↓Gross Margin
68.9%
↑Debt/Equity
5.44
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+18.5%
FCF CAGR
—
FCF margin
-51.7%
FCF / Net income
4.92x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.70B · net income $-178.4M · FCF $-876.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $1.70B | $1.70B | $1.53B | $1.25B | $1.02B |
| Net Income | $-178.4M | $-178.4M | $264.2M | $247.9M | $140.2M |
| EBITDA | $1.02B | $1.02B | $930.5M | $740.5M | $603.9M |
| EPS | -10.78 | -10.78 | 15.21 | 14.48 | 8.42 |
| Gross Margin | 68.9% | 68.9% | 69.1% | 68.1% | 69.5% |
| Operating Margin | 55.2% | 55.2% | 55.2% | 52.3% | 51.3% |
| Net Margin | -10.5% | -10.5% | 17.2% | 19.8% | 13.8% |
| Balance Sheet | |||||
| Debt/Equity | 5.44 | 5.44 | 3.12 | 2.74 | 2.65 |
| Current Ratio | 20.68 | 20.68 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-876.8M | $-876.8M | $-492.4M | $-490.6M | $-533.8M |
| Returns | |||||
| ROE | -21.0% | -21.0% | 22.4% | 23.5% | 16.1% |
| Valuation | |||||
| P/E | — | — | 11.05 | 10.81 | 13.01 |
| EV/EBITDA | 5.09 | 5.09 | 6.93 | 7.36 | 6.78 |
| P/B | 0.78 | 0.78 | 2.47 | 2.54 | 2.10 |
| Growth & Yield | |||||
| Revenue Growth | 10.5% | 10.5% | 22.8% | 22.6% | — |
| EPS Growth | -170.9% | -170.9% | 5.0% | 72.0% | — |
| Dividend Yield | 18.0% | 18.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
-55.1%
Start / end P/E
n/dx → n/dx
EPS bridge
15.21 → -10.78
Residual
-73.1%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.