Financial Services / Insurance - SpecialtyNasdaqGS
$234.46
-0.29 (-0.12%)
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 49.0/100
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
46/100
C
Piotroski
4/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
20/100
SEC 0%
Sin guardar todavía.
Market Cap
$443M
P/E
11.7x
↓EV/EBITDA
N/A
•ROE
13.1%
↑Gross Margin
N/A
•Debt/Equity
0.03
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+9.4%
FCF CAGR
+13.3%
FCF margin
9.3%
FCF / Net income
0.72x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $273.2M · net income $35.2M · FCF $25.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $273.2M | $273.2M | $258.6M | $224.8M | $283.4M | $23.3M | $17.0M | $17.4M | $14.2M | $13.0M | $8.2M | $127.2M | $123.1M | $126.3M | $115.1M | $90.7M | $71.3M |
| Net Income | $35.2M | $35.2M | $31.1M | $21.7M | $23.9M | $67.0M | $39.4M | $31.5M | $21.9M | $25.7M | $19.5M | $12.5M | $9.6M | $14.7M | $11.1M | $6.9M | $6.4M |
| EPS | 18.57 | 18.57 | 16.43 | 11.45 | 12.59 | 35.28 | 20.80 | 16.59 | 11.54 | 13.56 | 10.19 | 6.30 | 4.74 | 7.08 | 5.24 | 3.20 | 2.78 |
| Net Margin | 12.9% | 12.9% | 12.0% | 9.6% | 8.4% | 287.1% | 231.7% | 180.8% | 154.4% | 197.4% | 238.6% | 9.9% | 7.8% | 11.6% | 9.6% | 7.6% | 8.9% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | — | — | — | — | — | — | — | — | — | — | — | — |
| Current Ratio | 1.51 | 1.51 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $25.4M | $25.4M | $22.4M | $-1.8M | $30.5M | $45.4M | $30.9M | $19.4M | $22.5M | $17.0M | $20.1M | $14.2M | $7.7M | $13.9M | $8.1M | $8.6M | $3.9M |
| Returns | |||||||||||||||||
| ROE | 13.1% | 13.1% | 12.3% | 8.6% | 9.9% | 29.3% | 19.7% | 16.4% | 12.5% | 14.5% | 12.6% | 8.8% | 7.0% | 11.5% | 9.7% | 6.5% | 6.1% |
| Valuation | |||||||||||||||||
| P/E | 11.66 | 11.66 | 14.12 | 13.73 | 12.37 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.66 | 1.66 | 1.74 | 1.18 | 1.23 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 5.7% | 5.7% | 15.1% | -20.7% | — | 37.2% | -2.2% | 22.7% | 8.9% | 59.1% | -93.6% | 3.3% | -2.5% | 9.7% | 26.9% | 27.2% | — |
| EPS Growth | 13.0% | 13.0% | 43.5% | -9.1% | — | 69.6% | 25.4% | 43.8% | -14.9% | 33.1% | 61.7% | 32.9% | -33.1% | 35.1% | 63.7% | 15.1% | — |
| Dividend Yield | 0.8% | 0.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.9%
EPS terminal req.
$20.80
Spread vs growth
9.2%
5Y implied EPS CAGR
6.3%
EPS terminal req.
$25.17
Spread vs growth
6.8%
10Y implied EPS CAGR
8.1%
EPS terminal req.
$40.54
Spread vs growth
4.9%
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
+1.0%
Start / end P/E
14.2x → 12.6x
EPS bridge
16.43 → 18.57
Residual
-1.5%
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.