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JMFINANCIL.BO$128.95+8.50%
Fair $128.95+0.0%

JMFINANCIL.BO

JM Financial Limited

Financial Services / Capital MarketsBSE

$128.95

+10.10 (+8.50%)

Fairly Valued+0.0%Fair Value $128.95Fund rank 30/100 · Data gapFallback financials|
SA 42/C
F-Score: 6/9

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 32.0/100

Data gap 30/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 42/100Data QA 20/100

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.

Quality + valuation scorecard

SA Score

42/100

C

Piotroski

6/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 0unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.
Thesis & Journal · JMFINANCIL.BOLocal privado en este navegador · JM Financial Limited
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$123.3B

P/E

10.9x

↓

EV/EBITDA

N/A

•

ROE

11.3%

↑

Gross Margin

N/A

•

Debt/Equity

1.09

↑
52-Week Range$129
$112$200

TradingView lightweight chart

JMFINANCIL.BO price, volumen y niveles de valoración

Último $128.95Periodo +37826.5%
Fair value: $128.95

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2023–2026 · 3 años de histórico normalizado

Revenue CAGR

+19.1%

FCF CAGR

—

FCF margin

14.8%

FCF / Net income

0.43x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $34.99B · net income $12.02B · FCF $5.17B

2023-FY → 2026-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

34.4%+5.5% pts

FCF margin

14.8%+132.3% pts
MetricTTM
2026
2025
2024
2023
Income Statement
Revenue$34.99B$34.99B$27.23B$26.93B$20.69B
Net Income$12.02B$12.02B$8.21B$4.10B$5.97B
EPS12.5512.558.584.296.25
Net Margin34.4%34.4%30.2%15.2%28.9%
Balance Sheet
Debt/Equity1.091.091.181.911.96
Current Ratio14.5214.52———
Cash Flow
Free Cash Flow$5.17B$5.17B$55.35B$35.81B$-24.32B
Returns
ROE11.3%11.3%8.4%4.8%7.3%
Valuation
P/E10.8610.8611.1018.889.98
P/B1.161.160.940.910.73
Growth & Yield
Revenue Growth28.5%28.5%1.1%30.2%—
EPS Growth46.3%46.3%100.0%-31.4%—
Dividend Yield3.2%3.2%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

-3.0%

fácil

EPS terminal req.

$11.44

Spread vs growth

49.3%

5Y implied EPS CAGR

2.0%

fácil

EPS terminal req.

$13.85

Spread vs growth

44.3%

10Y implied EPS CAGR

5.9%

razonable

EPS terminal req.

$22.30

Spread vs growth

40.4%

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.

Return attribution · 1Y approxreconcilia total +8.6%

Total return

+8.6%

Start / end P/E

14.3x → 10.3x

EPS bridge

8.58 → 12.55

Residual

-12.9%

EPS growth+46.3%
Multiple rerating-27.9%
Dividend+3.2%
Residual / FX / buybacks / cross-term-12.9%

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.