Financial Services / Credit ServicesBSE
$196.00
+3.00 (+1.55%)
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 39.0/100
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
43/100
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
$5.7B
P/E
27.0x
↑EV/EBITDA
24.8x
↑ROE
10.3%
↑Gross Margin
48.7%
↓Debt/Equity
1.74
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+45.6%
FCF CAGR
—
FCF margin
-44.6%
FCF / Net income
-2.66x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $700.9M · net income $117.6M · FCF $-312.7M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $700.9M | $700.9M | $624.3M | $438.5M | $227.2M |
| Net Income | $117.6M | $117.6M | $76.4M | $30.6M | $51.5M |
| EBITDA | $275.8M | $275.8M | $188.1M | $94.7M | $74.0M |
| EPS | 7.12 | 7.12 | 4.88 | 1.23 | 1.62 |
| Gross Margin | 48.7% | 48.7% | 43.3% | 34.4% | 46.2% |
| Operating Margin | 34.2% | 34.2% | 25.7% | 13.0% | 20.9% |
| Net Margin | 16.8% | 16.8% | 12.2% | 7.0% | 22.7% |
| Balance Sheet | |||||
| Debt/Equity | 1.74 | 1.74 | 2.78 | 2.93 | 1.61 |
| Cash Flow | |||||
| Free Cash Flow | $-312.7M | $-312.7M | $-161.0M | $-909.5M | $-507.8M |
| Returns | |||||
| ROE | 10.3% | 10.3% | 11.2% | 5.0% | 8.9% |
| Valuation | |||||
| P/E | 27.03 | 27.03 | 18.65 | 16.61 | 15.43 |
| EV/EBITDA | 24.83 | 24.83 | 22.05 | 23.62 | 22.95 |
| P/B | 4.38 | 4.38 | 3.32 | 0.84 | 1.38 |
| Growth & Yield | |||||
| Revenue Growth | 12.3% | 12.3% | 42.4% | 93.0% | — |
| EPS Growth | 45.9% | 45.9% | 298.2% | -24.3% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
34.7%
EPS terminal req.
$17.39
Spread vs growth
11.2%
5Y implied EPS CAGR
24.2%
EPS terminal req.
$21.04
Spread vs growth
21.7%
10Y implied EPS CAGR
16.9%
EPS terminal req.
$33.89
Spread vs growth
29.0%
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
+33.4%
Start / end P/E
30.1x → 27.5x
EPS bridge
4.88 → 7.12
Residual
-3.9%
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.