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INLIF.AT$6.78+0.59%
Fair $6.78+0.0%

INLIF.AT

Interlife General Insurance Company S.A.

Financial Services / Insurance - DiversifiedAthens

$6.78

+0.04 (+0.59%)

Fairly Valued+0.0%Fair Value $6.78Fund rank 37/100 · Data gapFallback financials|
SA 37/D
F-Score: 6/9

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 42.0/100

Data gap 37/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 77/100Data QA 20/100

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.

Quality + valuation scorecard

SA Score

37/100

D

Piotroski

6/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

12/100

SEC 0%

Latest source: unknownPeriods: 3Warnings: 0unknown: 3
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.
Thesis & Journal · INLIF.ATLocal privado en este navegador · Interlife General Insurance Company S.A.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$125M

P/E

28.3x

↑

EV/EBITDA

N/A

•

ROE

10.5%

↑

Gross Margin

N/A

•

Debt/Equity

0.00

↓
52-Week Range$7
$5$7

TradingView lightweight chart

INLIF.AT price, volumen y niveles de valoración

Último $6.780Periodo +59.9%
Fair value: $6.780

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2021–2023 · 2 años de histórico normalizado

Revenue CAGR

+18.5%

FCF CAGR

-15.2%

FCF margin

11.3%

FCF / Net income

0.87x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $105.7M · net income $13.7M · FCF $12.0M

2021-FY → 2023-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

13.0%-6.2% pts

FCF margin

11.3%-10.7% pts
MetricTTM
2023
2022
2021
Income Statement
Revenue$105.7M$105.7M$61.2M$75.3M
Net Income$13.7M$13.7M$-903906.53$14.5M
EPS0.740.74-0.050.78
Net Margin13.0%13.0%-1.5%19.2%
Balance Sheet
Debt/Equity0.000.000.000.00
Current Ratio1.601.60——
Cash Flow
Free Cash Flow$12.0M$12.0M$18.0M$16.6M
Returns
ROE10.5%10.5%-0.8%11.8%
Valuation
P/E28.2528.25—5.19
P/B0.960.960.590.61
Growth & Yield
Revenue Growth72.7%72.7%-18.7%—
EPS Growth1617.2%1617.2%-106.2%—
Dividend Yield3.7%3.7%——

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

-6.7%

fácil

EPS terminal req.

$0.60

Spread vs growth

1623.9%

5Y implied EPS CAGR

-0.4%

fácil

EPS terminal req.

$0.73

Spread vs growth

1617.6%

10Y implied EPS CAGR

4.7%

fácil

EPS terminal req.

$1.17

Spread vs growth

1612.5%

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.

Return attribution · 1Y approxreconcilia total +38.7%

Total return

+38.7%

Start / end P/E

n/dx → n/dx

EPS bridge

-0.05 → 0.74

Residual

+35.1%

EPS growthn/d
Multiple reratingn/d
Dividend+3.7%
Residual / FX / buybacks / cross-term+35.1%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

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.