Financial Services / Banks - DiversifiedSão Paulo
$116.44
-1.41 (-1.20%)
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 48.0/100
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
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
$1.60T
P/E
15.2x
↑EV/EBITDA
N/A
•ROE
11.2%
↑Gross Margin
N/A
•Debt/Equity
1.29
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+7.2%
FCF CAGR
+18.9%
FCF margin
37.9%
FCF / Net income
1.13x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $66.22B · net income $22.29B · FCF $25.11B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $66.22B | $66.22B | $67.40B | $64.53B | $53.72B |
| Net Income | $22.29B | $22.29B | $23.98B | $23.53B | $15.56B |
| EPS | 1.50 | 1.50 | 1.55 | 1.43 | 0.93 |
| Net Margin | 33.7% | 33.7% | 35.6% | 36.5% | 29.0% |
| Balance Sheet | |||||
| Debt/Equity | 1.29 | 1.29 | 1.31 | 1.27 | 1.15 |
| Cash Flow | |||||
| Free Cash Flow | $25.11B | $25.11B | $61.42B | $35.42B | $14.95B |
| Returns | |||||
| ROE | 11.2% | 11.2% | 13.0% | 12.7% | 8.7% |
| Valuation | |||||
| P/E | 15.22 | 15.22 | 48.39 | 34.88 | 49.06 |
| P/B | 8.25 | 8.25 | 6.00 | 4.20 | 4.08 |
| Growth & Yield | |||||
| Revenue Growth | -1.7% | -1.7% | 4.4% | 20.1% | — |
| EPS Growth | -3.2% | -3.2% | 8.8% | 54.1% | — |
| Dividend Yield | 4.0% | 4.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
90.3%
EPS terminal req.
$10.33
Spread vs growth
-93.5%
5Y implied EPS CAGR
52.8%
EPS terminal req.
$12.50
Spread vs growth
-56.0%
10Y implied EPS CAGR
29.7%
EPS terminal req.
$20.13
Spread vs growth
-32.9%
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
+42.8%
Start / end P/E
54.1x → 77.6x
EPS bridge
1.55 → 1.50
Residual
-1.4%
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.