Financial Services / Insurance - Property & CasualtyNYSE
$10.29
+0.07 (+0.68%)
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 87.0/100
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
47/100
C
Piotroski
5/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
20/100
SEC 0%
Sin guardar todavía.
Market Cap
$3.5B
P/E
42.9x
↑EV/EBITDA
N/A
•ROE
22.1%
↑Gross Margin
N/A
•Debt/Equity
0.80
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2020–2025 · 5 años de histórico normalizado
Revenue CAGR
+39.2%
FCF CAGR
—
FCF margin
13.4%
FCF / Net income
3.97x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.46B · net income $49.0M · FCF $194.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Income Statement | |||||||
| Revenue | $1.46B | $1.46B | $1.23B | $1.04B | $829.5M | $323.3M | $279.0M |
| Net Income | $49.0M | $49.0M | $17.0M | $20.2M | $32.1M | $-46.4M | $10.2M |
| EBITDA | — | — | — | — | — | $12.1M | $27.6M |
| EPS | 0.37 | 0.37 | 0.10 | 0.09 | -0.07 | -0.56 | 101.66 |
| Operating Margin | — | — | — | — | — | -3.1% | 5.7% |
| Net Margin | 3.4% | 3.4% | 1.4% | 1.9% | 3.9% | -14.3% | 3.6% |
| Balance Sheet | |||||||
| Debt/Equity | 0.80 | 0.80 | 0.70 | 1.95 | 3.19 | -0.42 | — |
| Current Ratio | 1.53 | 1.53 | — | — | — | — | — |
| Cash Flow | |||||||
| Free Cash Flow | $194.5M | $194.5M | $155.7M | $107.3M | $11.0M | — | — |
| Returns | |||||||
| ROE | 22.1% | 22.1% | 11.3% | 21.8% | 54.1% | 14.3% | — |
| Valuation | |||||||
| P/E | 42.88 | 42.88 | 97.70 | 86.00 | — | — | — |
| P/B | 16.13 | 16.13 | 5.75 | 28.41 | 51.23 | — | — |
| Growth & Yield | |||||||
| Revenue Growth | 18.1% | 18.1% | 18.7% | 25.2% | — | 15.8% | — |
| EPS Growth | 270.0% | 270.0% | 11.1% | 228.6% | — | -100.6% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
35.1%
EPS terminal req.
$0.91
Spread vs growth
234.9%
5Y implied EPS CAGR
24.5%
EPS terminal req.
$1.10
Spread vs growth
245.5%
10Y implied EPS CAGR
17.0%
EPS terminal req.
$1.78
Spread vs growth
253.0%
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
+5.9%
Start / end P/E
97.2x → 27.8x
EPS bridge
0.10 → 0.37
Residual
-192.7%
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.