Financial Services / Credit ServicesNYSE
$2.99
+0.00 (+0.00%)
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 2.0/100
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
51/100
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
$464M
P/E
4.7x
↓EV/EBITDA
N/A
•ROE
6.1%
↓Gross Margin
7.1%
↓Debt/Equity
0.14
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-58.6%
FCF CAGR
—
FCF margin
1392.6%
FCF / Net income
0.80x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $41.0M · net income $708.6M · FCF $570.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $41.0M | $41.0M | $216.4M | $126.3M | $577.5M |
| Net Income | $708.6M | $708.6M | $91.7M | $39.1M | $-362.0M |
| EBITDA | $-277.3M | $-277.3M | $-251.1M | $-283.9M | $-201.9M |
| EPS | 4.25 | 4.25 | 0.49 | 0.18 | -1.47 |
| Gross Margin | 7.1% | 7.1% | 7.1% | -26.7% | 33.7% |
| Operating Margin | -840.1% | -840.1% | -141.7% | -257.4% | -10.5% |
| Net Margin | 1729.9% | 1729.9% | 42.4% | 31.0% | -62.7% |
| Balance Sheet | |||||
| Debt/Equity | 0.14 | 0.14 | 0.07 | 0.01 | 0.01 |
| Current Ratio | 5.75 | 5.75 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $570.4M | $570.4M | $-429.0M | $-213.0M | $-12.8M |
| Returns | |||||
| ROE | 6.1% | 6.1% | 0.8% | 0.3% | -3.0% |
| Valuation | |||||
| P/E | 4.75 | 4.75 | 5.63 | 12.06 | — |
| P/B | 0.04 | 0.04 | 0.05 | 0.04 | 0.02 |
| Growth & Yield | |||||
| Revenue Growth | -81.1% | -81.1% | 71.3% | -78.1% | — |
| EPS Growth | 767.3% | 767.3% | 172.2% | 112.2% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-60.3%
EPS terminal req.
$0.27
Spread vs growth
827.7%
5Y implied EPS CAGR
-40.3%
EPS terminal req.
$0.32
Spread vs growth
807.7%
10Y implied EPS CAGR
-19.0%
EPS terminal req.
$0.52
Spread vs growth
786.3%
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
+1.0%
Start / end P/E
6.0x → 0.7x
EPS bridge
0.49 → 4.25
Residual
-678.0%
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.