Financial Services / Credit ServicesNasdaqGM
$4.35
+0.02 (+0.46%)
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 100.0/100
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
48/100
C
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
$228M
P/E
1.0x
↓EV/EBITDA
0.8x
↓ROE
34.6%
↑Gross Margin
80.1%
↑Debt/Equity
0.16
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+23.9%
FCF CAGR
+75.0%
FCF margin
10.0%
FCF / Net income
0.41x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $6.22B · net income $1.54B · FCF $622.3M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $6.22B | $6.22B | $5.80B | $5.47B | $3.27B |
| Net Income | $1.54B | $1.54B | $1.06B | $1.30B | $1.18B |
| EBITDA | $1.87B | $1.87B | $1.27B | $1.34B | $1.19B |
| EPS | — | — | 19.88 | 24.24 | 21.92 |
| Gross Margin | 80.1% | 80.1% | 64.9% | 63.2% | 82.7% |
| Operating Margin | 28.9% | 28.9% | 21.5% | 24.4% | 36.1% |
| Net Margin | 24.7% | 24.7% | 18.2% | 23.7% | 36.1% |
| Balance Sheet | |||||
| Debt/Equity | 0.16 | 0.16 | 0.02 | 0.02 | 0.02 |
| Current Ratio | 1.88 | 1.88 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $622.3M | $622.3M | $686.4M | $358.0M | $116.1M |
| Returns | |||||
| ROE | 34.6% | 34.6% | 33.8% | 54.5% | 94.9% |
| Valuation | |||||
| P/E | 1.00 | 1.00 | 0.33 | 0.23 | 0.13 |
| EV/EBITDA | 0.83 | 0.83 | -0.11 | -0.02 | -0.09 |
| P/B | 0.21 | 0.21 | 0.11 | 0.12 | 0.12 |
| Growth & Yield | |||||
| Revenue Growth | 7.3% | 7.3% | 6.1% | 67.1% | — |
| EPS Growth | — | — | -18.0% | 10.6% | — |
| Dividend Yield | 18.4% | 18.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
-53.1%
Start / end P/E
n/dx → n/dx
EPS bridge
19.88 → n/d
Residual
-71.5%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.