Financial Services / Credit ServicesBSE
$26.92
-0.54 (-1.97%)
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 5.0/100
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
45/100
C
Piotroski
1/9
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
$92M
P/E
44.9x
↑EV/EBITDA
47.1x
↑ROE
0.9%
↓Gross Margin
N/A
•Debt/Equity
0.91
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-0.5%
FCF CAGR
—
FCF margin
-39.2%
FCF / Net income
-5.00x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $4.2M · net income $329000.0 · FCF $-1.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $4.2M | $4.2M | $4.5M | $6.0M | $4.3M |
| Net Income | $329000.00 | $329000.00 | $981000.00 | $567000.00 | $-2.0M |
| EBITDA | $2.7M | $2.7M | $3.3M | $2.9M | $314000.00 |
| EPS | 0.10 | 0.10 | 0.29 | 0.17 | -0.59 |
| Gross Margin | — | — | — | — | 28.5% |
| Operating Margin | 60.5% | 60.5% | 54.3% | 111.4% | 77.7% |
| Net Margin | 7.8% | 7.8% | 21.6% | 9.5% | -46.7% |
| Balance Sheet | |||||
| Debt/Equity | 0.91 | 0.91 | 0.86 | 0.83 | 0.79 |
| Current Ratio | 4.95 | 4.95 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-1.6M | $-1.6M | $-706000.00 | $-294000.00 | $-4.2M |
| Returns | |||||
| ROE | 0.9% | 0.9% | 2.6% | 1.6% | -5.6% |
| Valuation | |||||
| P/E | 44.87 | 44.87 | 29.90 | 6.53 | — |
| EV/EBITDA | 47.09 | 47.09 | 18.34 | 11.21 | 100.71 |
| P/B | 2.46 | 2.46 | 0.80 | 0.11 | 0.10 |
| Growth & Yield | |||||
| Revenue Growth | -7.6% | -7.6% | -23.6% | 39.4% | — |
| EPS Growth | -65.5% | -65.5% | 70.6% | 128.8% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
188.0%
EPS terminal req.
$2.39
Spread vs growth
-253.5%
5Y implied EPS CAGR
96.0%
EPS terminal req.
$2.89
Spread vs growth
-161.5%
10Y implied EPS CAGR
46.8%
EPS terminal req.
$4.65
Spread vs growth
-112.3%
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
+45.4%
Start / end P/E
63.8x → 269.2x
EPS bridge
0.29 → 0.10
Residual
-210.8%
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.