Financial Services / Credit ServicesBSE
$71.19
+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 10.0/100
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
55/100
C
Piotroski
4/9
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
$966M
P/E
7.6x
↓EV/EBITDA
15.5x
↑ROE
2.8%
↓Gross Margin
-2018.3%
↓Debt/Equity
0.03
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+2.8%
FCF CAGR
—
FCF margin
-227.7%
FCF / Net income
-4.49x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $66.5M · net income $33.7M · FCF $-151.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $66.5M | $66.5M | $56.7M | $60.7M | $61.2M |
| Net Income | $33.7M | $33.7M | $84.4M | $18.4M | $-15.6M |
| EBITDA | $39.7M | $39.7M | $120.8M | $25.0M | $-6.1M |
| EPS | 2.47 | 2.47 | 12.37 | 2.71 | -2.29 |
| Gross Margin | -2018.3% | -2018.3% | -3493.5% | -184.5% | -141.0% |
| Operating Margin | -2074.0% | -2074.0% | -3681.5% | -219.4% | -176.9% |
| Net Margin | 50.7% | 50.7% | 148.9% | 30.4% | -25.5% |
| Balance Sheet | |||||
| Debt/Equity | 0.03 | 0.03 | 0.04 | 0.04 | 0.03 |
| Current Ratio | 6.73 | 6.73 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-151.4M | $-151.4M | $-5.1M | $-2.1M | $-15.1M |
| Returns | |||||
| ROE | 2.8% | 2.8% | 8.9% | 2.1% | -1.8% |
| Valuation | |||||
| P/E | 7.63 | 7.63 | — | — | — |
| EV/EBITDA | 15.51 | 15.51 | — | — | — |
| P/B | 0.48 | 0.48 | — | — | — |
| Growth & Yield | |||||
| Revenue Growth | 17.3% | 17.3% | -6.6% | -0.8% | — |
| EPS Growth | -80.0% | -80.0% | 356.5% | 218.3% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
36.8%
EPS terminal req.
$6.32
Spread vs growth
-116.8%
5Y implied EPS CAGR
25.3%
EPS terminal req.
$7.64
Spread vs growth
-105.4%
10Y implied EPS CAGR
17.4%
EPS terminal req.
$12.31
Spread vs growth
-97.5%
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
+5.4%
Start / end P/E
5.2x → 27.7x
EPS bridge
12.37 → 2.47
Residual
-342.5%
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.