Financial Services / Credit ServicesBSE
$148.50
+3.65 (+2.52%)
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 3.0/100
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
40/100
C
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
$773M
P/E
16.5x
↑EV/EBITDA
11.3x
↓ROE
1.5%
↓Gross Margin
92.9%
↑Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+51.8%
FCF CAGR
—
FCF margin
-30.1%
FCF / Net income
-0.42x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $72.2M · net income $52.2M · FCF $-21.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $72.2M | $72.2M | $43.9M | $27.4M | $20.7M |
| Net Income | $52.2M | $52.2M | $28.2M | $15.7M | $10.9M |
| EBITDA | $68.6M | $68.6M | $37.8M | $21.3M | $14.6M |
| EPS | 10.02 | 10.02 | 5.41 | 3.01 | 2.10 |
| Gross Margin | 92.9% | 92.9% | 89.1% | 82.7% | 78.8% |
| Operating Margin | 94.9% | 94.9% | 86.1% | 77.7% | 70.8% |
| Net Margin | 72.3% | 72.3% | 64.2% | 57.2% | 52.9% |
| Balance Sheet | |||||
| Current Ratio | 18.09 | 18.09 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-21.8M | $-21.8M | $-15.1M | $446.1M | $-2.2M |
| Returns | |||||
| ROE | 1.5% | 1.5% | 0.7% | 0.9% | 0.7% |
| Valuation | |||||
| P/E | 16.54 | 16.54 | 28.52 | 16.94 | 27.19 |
| EV/EBITDA | 11.26 | 11.26 | 21.23 | 12.41 | 20.30 |
| P/B | 0.23 | 0.23 | 0.20 | 0.15 | 0.20 |
| Growth & Yield | |||||
| Revenue Growth | 64.5% | 64.5% | 60.1% | 32.8% | — |
| EPS Growth | 85.2% | 85.2% | 79.7% | 43.3% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
9.6%
EPS terminal req.
$13.18
Spread vs growth
75.7%
5Y implied EPS CAGR
9.7%
EPS terminal req.
$15.94
Spread vs growth
75.5%
10Y implied EPS CAGR
9.9%
EPS terminal req.
$25.68
Spread vs growth
75.3%
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
-21.8%
Start / end P/E
35.1x → 14.8x
EPS bridge
5.41 → 10.02
Residual
-49.3%
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.