Financial Services / Banks - RegionalNYSE
$23.59
-0.20 (-0.82%)
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 49.0/100
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
34/100
D
Piotroski
6/9
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
$121.1B
P/E
17.0x
↑EV/EBITDA
N/A
•ROE
8.8%
↑Gross Margin
N/A
•Debt/Equity
0.95
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+32.5%
FCF CAGR
+26.7%
FCF margin
47.6%
FCF / Net income
1.68x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $2.37T · net income $673.51B · FCF $1.13T
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $2371.51B | $2371.51B | $1986.93B | $1205.38B | $1019.41B |
| Net Income | $673.51B | $673.51B | $622.66B | $495.45B | $386.00B |
| EPS | 134.44 | 134.44 | 132.47 | 133.02 | 104.07 |
| Net Margin | 28.4% | 28.4% | 31.3% | 41.1% | 37.9% |
| Balance Sheet | |||||
| Debt/Equity | 0.95 | 0.95 | 1.16 | 1.08 | 0.87 |
| Cash Flow | |||||
| Free Cash Flow | $1129.22B | $1129.22B | $968.48B | $433.58B | $554.69B |
| Returns | |||||
| ROE | 8.8% | 8.8% | 9.0% | 17.0% | 15.4% |
| Valuation | |||||
| P/E | 16.97 | 16.97 | 0.22 | 0.26 | 0.30 |
| P/B | 0.02 | 0.02 | 0.02 | 0.02 | 0.05 |
| Growth & Yield | |||||
| Revenue Growth | 19.4% | 19.4% | 64.8% | 18.2% | — |
| EPS Growth | 1.5% | 1.5% | -0.4% | 27.8% | — |
| Dividend Yield | 1.8% | 1.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-75.0%
EPS terminal req.
$2.09
Spread vs growth
76.5%
5Y implied EPS CAGR
-54.8%
EPS terminal req.
$2.53
Spread vs growth
56.3%
10Y implied EPS CAGR
-29.5%
EPS terminal req.
$4.08
Spread vs growth
31.0%
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
-35.7%
Start / end P/E
0.3x → 0.2x
EPS bridge
132.47 → 134.44
Residual
-0.6%
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.