Financial Services / Credit ServicesBSE
$22.97
-0.51 (-2.22%)
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 21.0/100
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
52/100
C
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
$228M
P/E
7.0x
↓EV/EBITDA
29.4x
↑ROE
9.0%
↑Gross Margin
28.3%
↓Debt/Equity
2.63
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+44.6%
FCF CAGR
+367.3%
FCF margin
165.8%
FCF / Net income
9.72x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $86.5M · net income $14.8M · FCF $143.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $86.5M | $86.5M | $45.5M | $28.0M | $28.6M |
| Net Income | $14.8M | $14.8M | $8.7M | $6.1M | $6.4M |
| EBITDA | $22.2M | $22.2M | $13.1M | $9.3M | $10.1M |
| EPS | 1.54 | 1.54 | 0.88 | 0.61 | 0.68 |
| Gross Margin | 28.3% | 28.3% | 44.7% | 41.8% | 46.4% |
| Operating Margin | 24.0% | 24.0% | 37.3% | 28.9% | 31.6% |
| Net Margin | 17.1% | 17.1% | 19.2% | 21.8% | 22.5% |
| Balance Sheet | |||||
| Debt/Equity | 2.63 | 2.63 | 2.23 | 1.85 | 2.05 |
| Current Ratio | 26.40 | 26.40 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $143.4M | $143.4M | $25.9M | $3.3M | $1.4M |
| Returns | |||||
| ROE | 9.0% | 9.0% | 5.7% | 4.2% | 4.7% |
| Valuation | |||||
| P/E | 7.05 | 7.05 | 20.74 | 28.39 | 18.46 |
| EV/EBITDA | 29.40 | 29.40 | 39.98 | 47.56 | 40.08 |
| P/B | 1.34 | 1.34 | 1.18 | 1.19 | 0.86 |
| Growth & Yield | |||||
| Revenue Growth | 90.0% | 90.0% | 62.7% | -2.2% | — |
| EPS Growth | 75.0% | 75.0% | 44.3% | -10.3% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
9.8%
EPS terminal req.
$2.04
Spread vs growth
65.2%
5Y implied EPS CAGR
9.9%
EPS terminal req.
$2.47
Spread vs growth
65.1%
10Y implied EPS CAGR
9.9%
EPS terminal req.
$3.97
Spread vs growth
65.1%
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
+18.4%
Start / end P/E
21.6x → 14.6x
EPS bridge
0.88 → 1.54
Residual
-24.2%
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.