Financial Services / Insurance - Property & CasualtyNYSE
$21.38
-0.30 (-1.38%)
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 82.0/100
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
42/100
C
Piotroski
6/9
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
$647M
P/E
3.3x
↓EV/EBITDA
N/A
•ROE
38.7%
↑Gross Margin
N/A
•Debt/Equity
0.20
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2013–2025 · 12 años de histórico normalizado
Revenue CAGR
+16.4%
FCF CAGR
—
FCF margin
22.5%
FCF / Net income
0.89x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $774.4M · net income $195.6M · FCF $174.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||
| Revenue | $774.4M | $774.4M | $766.7M | $670.7M | $662.5M | $631.6M | $593.4M | $511.3M | $480.2M | $406.6M | $439.0M | $394.8M | $233.8M | $124.8M |
| Net Income | $195.6M | $195.6M | $61.5M | $45.3M | $-154.4M | $-74.7M | $9.3M | $28.6M | $27.2M | $-1.1M | $33.9M | $92.5M | $47.1M | $34.2M |
| EBITDA | — | — | — | — | — | $-59.6M | $18.3M | $60.0M | $96.6M | $57.3M | $65.7M | $151.6M | $75.1M | — |
| EPS | 6.32 | 6.32 | 2.01 | 1.73 | -5.86 | -2.69 | 0.33 | 0.98 | 1.04 | -0.04 | 1.14 | 3.05 | 1.82 | 2.36 |
| Operating Margin | — | — | — | — | — | -10.8% | 1.7% | 9.7% | 14.5% | 12.2% | 12.9% | 38.1% | 31.8% | — |
| Net Margin | 25.3% | 25.3% | 8.0% | 6.8% | -23.3% | -11.8% | 1.6% | 5.6% | 5.7% | -0.3% | 7.7% | 23.4% | 20.1% | 27.4% |
| Balance Sheet | ||||||||||||||
| Debt/Equity | 0.20 | 0.20 | 0.49 | 0.67 | 1.22 | 0.35 | 0.27 | 0.29 | 0.35 | 0.49 | 0.20 | — | — | — |
| Current Ratio | 0.77 | 0.77 | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||
| Free Cash Flow | $174.2M | $174.2M | $78.9M | $60.5M | $-46.6M | $59.1M | $169.5M | $114.7M | $94.1M | $7.1M | $81.3M | — | — | — |
| Returns | ||||||||||||||
| ROE | 38.7% | 38.7% | 21.2% | 20.6% | -117.8% | -21.8% | 2.1% | 6.4% | 6.4% | -0.3% | 9.5% | 25.9% | 18.5% | 42.8% |
| Valuation | ||||||||||||||
| P/E | 3.28 | 3.28 | 5.97 | 3.67 | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.31 | 1.31 | 1.26 | 0.76 | 0.37 | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||
| Revenue Growth | 1.0% | 1.0% | 14.3% | 1.2% | — | 6.4% | 16.1% | 6.5% | 18.1% | -7.4% | 11.2% | 68.8% | 87.3% | — |
| EPS Growth | 214.4% | 214.4% | 16.2% | 129.5% | — | -915.2% | -66.3% | -5.8% | 2700.0% | -103.5% | -62.6% | 67.6% | -22.9% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-33.0%
EPS terminal req.
$1.90
Spread vs growth
247.5%
5Y implied EPS CAGR
-18.3%
EPS terminal req.
$2.30
Spread vs growth
232.8%
10Y implied EPS CAGR
-5.2%
EPS terminal req.
$3.70
Spread vs growth
219.6%
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
-12.6%
Start / end P/E
12.2x → 3.4x
EPS bridge
2.01 → 6.32
Residual
-154.8%
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.