Financial Services / Banks - DiversifiedSão Paulo
$148.88
+0.22 (+0.15%)
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 62.0/100
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
22/100
D
Piotroski
2/9
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
$3.99T
P/E
14.1x
↑EV/EBITDA
N/A
•ROE
15.7%
↑Gross Margin
N/A
•Debt/Equity
1.38
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+12.5%
FCF CAGR
—
FCF margin
-81.3%
FCF / Net income
-2.59x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $181.85B · net income $57.05B · FCF $-147.78B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $181.85B | $181.85B | $169.44B | $154.95B | $127.73B |
| Net Income | $57.05B | $57.05B | $58.47B | $49.55B | $37.68B |
| EPS | 2.00 | 2.00 | 1.98 | 1.62 | 1.21 |
| Net Margin | 31.4% | 31.4% | 34.5% | 32.0% | 29.5% |
| Balance Sheet | |||||
| Debt/Equity | 1.38 | 1.38 | 1.32 | 1.33 | 1.16 |
| Cash Flow | |||||
| Free Cash Flow | $-147.78B | $-147.78B | $-42.01B | $12.97B | $107.12B |
| Returns | |||||
| ROE | 15.7% | 15.7% | 17.0% | 15.1% | 12.9% |
| Valuation | |||||
| P/E | 14.13 | 14.13 | 75.12 | 51.68 | 59.52 |
| P/B | 11.43 | 11.43 | 12.39 | 7.53 | 7.31 |
| Growth & Yield | |||||
| Revenue Growth | 7.3% | 7.3% | 9.3% | 21.3% | — |
| EPS Growth | 1.4% | 1.4% | 21.7% | 34.2% | — |
| Dividend Yield | 1.4% | 1.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
87.6%
EPS terminal req.
$13.21
Spread vs growth
-86.2%
5Y implied EPS CAGR
51.5%
EPS terminal req.
$15.98
Spread vs growth
-50.1%
10Y implied EPS CAGR
29.1%
EPS terminal req.
$25.74
Spread vs growth
-27.7%
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
-0.0%
Start / end P/E
76.5x → 74.4x
EPS bridge
1.98 → 2.00
Residual
-0.0%
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.