Financial Services / Financial ConglomeratesBSE
$8.12
+0.35 (+4.50%)
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 21.0/100
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
21/100
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
$2.5B
P/E
19.3x
↑EV/EBITDA
N/A
•ROE
6.4%
↓Gross Margin
66.2%
↑Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-11.3%
FCF CAGR
—
FCF margin
-31.2%
FCF / Net income
-0.69x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $290.8M · net income $131.5M · FCF $-90.7M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $290.8M | $290.8M | $519.2M | $644.5M | $416.5M |
| Net Income | $131.5M | $131.5M | $101.1M | $119.8M | $77.9M |
| EBITDA | $-8.1M | $-8.1M | $27.1M | $131.0M | $21.9M |
| EPS | 0.42 | 0.42 | 0.32 | 0.38 | 0.25 |
| Gross Margin | 66.2% | 66.2% | 77.4% | 78.7% | 63.7% |
| Operating Margin | -3.6% | -3.6% | 4.7% | 20.0% | 4.7% |
| Net Margin | 45.2% | 45.2% | 19.5% | 18.6% | 18.7% |
| Cash Flow | |||||
| Free Cash Flow | $-90.7M | $-90.7M | $-64.3M | $-7.8M | $63.7M |
| Returns | |||||
| ROE | 6.4% | 6.4% | 5.0% | 5.5% | 3.7% |
| Valuation | |||||
| P/E | 19.33 | 19.33 | 32.06 | 16.58 | 31.36 |
| EV/EBITDA | — | — | 112.00 | 13.30 | 80.85 |
| P/B | 1.24 | 1.24 | 1.59 | 0.91 | 1.17 |
| Growth & Yield | |||||
| Revenue Growth | -44.0% | -44.0% | -19.4% | 54.7% | — |
| EPS Growth | 31.2% | 31.2% | -15.8% | 52.0% | — |
| Dividend Yield | 10.1% | 10.1% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
3Y implied EPS CAGR
19.7%
EPS terminal req.
$0.72
Spread vs growth
11.5%
5Y implied EPS CAGR
15.7%
EPS terminal req.
$0.87
Spread vs growth
15.5%
10Y implied EPS CAGR
12.8%
EPS terminal req.
$1.40
Spread vs growth
18.4%
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
-7.9%
Start / end P/E
31.0x → 19.3x
EPS bridge
0.32 → 0.42
Residual
-11.7%
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.