Financial Services / Credit ServicesStockholm
$167.90
-5.90 (-3.39%)
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 58.0/100
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
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
$14.7B
P/E
13.1x
↑EV/EBITDA
N/A
•ROE
16.1%
↑Gross Margin
N/A
•Debt/Equity
1.41
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+16.0%
FCF CAGR
+15.5%
FCF margin
148.1%
FCF / Net income
5.20x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $4.00B · net income $1.14B · FCF $5.92B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $4.00B | $4.00B | $3.90B | $3.17B | $2.56B |
| Net Income | $1.14B | $1.14B | $1.01B | $663.0M | $801.0M |
| EPS | 11.59 | 11.59 | 10.07 | 5.72 | 7.91 |
| Net Margin | 28.5% | 28.5% | 25.9% | 20.9% | 31.3% |
| Balance Sheet | |||||
| Debt/Equity | 1.41 | 1.41 | 1.05 | 0.95 | 1.14 |
| Current Ratio | 0.83 | 0.83 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $5.92B | $5.92B | $5.81B | $4.40B | $3.84B |
| Returns | |||||
| ROE | 16.1% | 16.1% | 15.1% | 11.2% | 13.9% |
| Valuation | |||||
| P/E | 13.09 | 13.09 | 9.43 | 6.61 | 3.77 |
| P/B | 2.07 | 2.07 | 1.24 | 0.57 | 0.46 |
| Growth & Yield | |||||
| Revenue Growth | 2.4% | 2.4% | 23.0% | 24.0% | — |
| EPS Growth | 15.1% | 15.1% | 76.0% | -27.7% | — |
| Dividend Yield | 1.9% | 1.9% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
8.7%
EPS terminal req.
$14.90
Spread vs growth
6.4%
5Y implied EPS CAGR
9.2%
EPS terminal req.
$18.03
Spread vs growth
5.9%
10Y implied EPS CAGR
9.6%
EPS terminal req.
$29.03
Spread vs growth
5.5%
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
+80.5%
Start / end P/E
9.3x → 14.5x
EPS bridge
10.07 → 11.59
Residual
+8.3%
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.