Financial Services / Insurance - ReinsuranceSão Paulo
$51.36
-0.24 (-0.47%)
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 9.0/100
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
36/100
D
Piotroski
3/9
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
$4.2B
P/E
12.0x
↓EV/EBITDA
N/A
•ROE
7.4%
↑Gross Margin
N/A
•Debt/Equity
0.05
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
—
FCF margin
17.0%
FCF / Net income
0.54x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.24B · net income $390.9M · FCF $210.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $1.24B | $1.24B | $1.45B | $-325.7M | $-1.35B |
| Net Income | $390.9M | $390.9M | $805.7M | $-123.9M | $-420.7M |
| EPS | 4.78 | 4.78 | 9.85 | -1.51 | -10.06 |
| Net Margin | 31.6% | 31.6% | 55.7% | 38.0% | 31.1% |
| Balance Sheet | |||||
| Debt/Equity | 0.05 | 0.05 | 0.10 | 0.13 | 0.21 |
| Current Ratio | 1.56 | 1.56 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $210.4M | $210.4M | $59.0M | $402.4M | $-1.30B |
| Returns | |||||
| ROE | 7.4% | 7.4% | 16.4% | -2.9% | -9.7% |
| Valuation | |||||
| P/E | 11.97 | 11.97 | 4.27 | — | — |
| P/B | 0.80 | 0.80 | 0.70 | 0.79 | 0.56 |
| Growth & Yield | |||||
| Revenue Growth | -14.5% | -14.5% | 544.5% | 75.9% | — |
| EPS Growth | -51.5% | -51.5% | 752.3% | 85.0% | — |
| Dividend Yield | 3.1% | 3.1% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-1.6%
EPS terminal req.
$4.56
Spread vs growth
-49.9%
5Y implied EPS CAGR
2.9%
EPS terminal req.
$5.51
Spread vs growth
-54.4%
10Y implied EPS CAGR
6.4%
EPS terminal req.
$8.88
Spread vs growth
-57.9%
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
+9.4%
Start / end P/E
4.9x → 10.7x
EPS bridge
9.85 → 4.78
Residual
-61.3%
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.