Financial Services / Insurance - SpecialtyASX
$4.53
-0.12 (-2.58%)
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 91.0/100
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
37/100
D
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
$1.2B
P/E
5.1x
↓EV/EBITDA
N/A
•ROE
24.0%
↑Gross Margin
N/A
•Debt/Equity
0.01
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+3.7%
FCF CAGR
+12.8%
FCF margin
22.5%
FCF / Net income
0.44x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $481.3M · net income $244.9M · FCF $108.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $481.3M | $481.3M | $517.7M | $576.3M | $431.5M |
| Net Income | $244.9M | $244.9M | $231.5M | $275.1M | $186.8M |
| EPS | 0.89 | 0.89 | 0.80 | 0.85 | 0.49 |
| Net Margin | 50.9% | 50.9% | 44.7% | 47.7% | 43.3% |
| Balance Sheet | |||||
| Debt/Equity | 0.01 | 0.01 | 0.18 | 0.17 | 0.13 |
| Current Ratio | 24.85 | 24.85 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $108.4M | $108.4M | $134.3M | $-18.3M | $75.5M |
| Returns | |||||
| ROE | 24.0% | 24.0% | 21.4% | 24.1% | 13.1% |
| Valuation | |||||
| P/E | 5.09 | 5.09 | 5.75 | 5.18 | 5.66 |
| P/B | 1.22 | 1.22 | 1.23 | 1.25 | 0.75 |
| Growth & Yield | |||||
| Revenue Growth | -7.0% | -7.0% | -10.2% | 33.6% | — |
| EPS Growth | 11.9% | 11.9% | -5.9% | 73.2% | — |
| Dividend Yield | 7.1% | 7.1% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-23.3%
EPS terminal req.
$0.40
Spread vs growth
35.3%
5Y implied EPS CAGR
-11.4%
EPS terminal req.
$0.49
Spread vs growth
23.3%
10Y implied EPS CAGR
-1.3%
EPS terminal req.
$0.78
Spread vs growth
13.2%
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
-5.5%
Start / end P/E
6.5x → 5.1x
EPS bridge
0.80 → 0.89
Residual
-2.6%
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.