Financial Services / Insurance - LifeSão Paulo
$12.20
+0.05 (+0.41%)
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 0.0/100
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
7/9
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
$5.8B
P/E
N/A
•EV/EBITDA
5.1x
↓ROE
-0.3%
↓Gross Margin
11.8%
↓Debt/Equity
0.32
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+10.0%
FCF CAGR
+40.1%
FCF margin
6.6%
FCF / Net income
-14.73x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $31.58B · net income $-141.7M · FCF $2.09B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $31.58B | $31.58B | $28.91B | $27.95B | $23.75B |
| Net Income | $-141.7M | $-141.7M | $-649.3M | $-615.2M | $-777.2M |
| EBITDA | $4.05B | $4.05B | $3.31B | $3.37B | $2.35B |
| EPS | -0.28 | -0.28 | -1.27 | -1.20 | -1.65 |
| Gross Margin | 11.8% | 11.8% | 11.4% | 11.4% | 23.8% |
| Operating Margin | 6.0% | 6.0% | 6.0% | 6.0% | 0.2% |
| Net Margin | -0.4% | -0.4% | -2.2% | -2.2% | -3.3% |
| Balance Sheet | |||||
| Debt/Equity | 0.32 | 0.32 | 0.34 | 0.30 | 0.29 |
| Current Ratio | 1.79 | 1.79 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $2.09B | $2.09B | $2.43B | $2.09B | $759.6M |
| Returns | |||||
| ROE | -0.3% | -0.3% | -1.3% | -1.2% | -1.6% |
| Valuation | |||||
| EV/EBITDA | 5.12 | 5.12 | 9.66 | 13.49 | 19.21 |
| P/B | 0.13 | 0.13 | 0.33 | 0.65 | 0.65 |
| Growth & Yield | |||||
| Revenue Growth | 9.2% | 9.2% | 3.5% | 17.7% | — |
| EPS Growth | 78.0% | 78.0% | -5.8% | 27.3% | — |
Revenue, Net Income & Free Cash Flow ($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
-71.5%
Start / end P/E
n/dx → n/dx
EPS bridge
-1.27 → -0.28
Residual
-71.5%
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.