Financial Services / Banks - RegionalMilan
$5.76
+0.07 (+1.19%)
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 51.0/100
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
6/9
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
$100.4B
P/E
10.7x
↓EV/EBITDA
N/A
•ROE
14.3%
↑Gross Margin
N/A
•Debt/Equity
2.14
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+9.8%
FCF CAGR
-59.7%
FCF margin
23.1%
FCF / Net income
0.71x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $28.53B · net income $9.32B · FCF $6.58B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $28.53B | $28.53B | $27.69B | $25.42B | $21.57B |
| Net Income | $9.32B | $9.32B | $8.67B | $7.72B | $4.38B |
| EPS | 0.53 | 0.53 | 0.49 | 0.42 | 0.23 |
| Net Margin | 32.7% | 32.7% | 31.3% | 30.4% | 20.3% |
| Balance Sheet | |||||
| Debt/Equity | 2.14 | 2.14 | 2.25 | 2.22 | 1.61 |
| Cash Flow | |||||
| Free Cash Flow | $6.58B | $6.58B | $-41.86B | $-18.99B | $100.43B |
| Returns | |||||
| ROE | 14.3% | 14.3% | 13.3% | 12.1% | 7.2% |
| Valuation | |||||
| P/E | 10.67 | 10.67 | 8.23 | 6.64 | 9.71 |
| P/B | 1.55 | 1.55 | 1.09 | 0.80 | 0.71 |
| Growth & Yield | |||||
| Revenue Growth | 3.0% | 3.0% | 8.9% | 17.9% | — |
| EPS Growth | 8.7% | 8.7% | 16.1% | 82.6% | — |
| Dividend Yield | 6.7% | 6.7% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-1.2%
EPS terminal req.
$0.51
Spread vs growth
9.9%
5Y implied EPS CAGR
3.1%
EPS terminal req.
$0.62
Spread vs growth
5.6%
10Y implied EPS CAGR
6.5%
EPS terminal req.
$1.00
Spread vs growth
2.2%
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
+24.5%
Start / end P/E
10.0x → 10.9x
EPS bridge
0.49 → 0.53
Residual
+0.7%
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.