Financial Services / Credit ServicesBSE
$19.34
+0.00 (+0.00%)
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 10.0/100
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
35/100
D
Piotroski
5/9
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
$64M
P/E
45.0x
↑EV/EBITDA
18.9x
↑ROE
2.7%
↓Gross Margin
87.4%
↑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
-47.3%
FCF CAGR
+135.6%
FCF margin
210.6%
FCF / Net income
8.13x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $6.3M · net income $1.6M · FCF $13.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $6.3M | $6.3M | $5.4M | $3.2M | $43.1M |
| Net Income | $1.6M | $1.6M | $2.5M | $1.4M | $1.0M |
| EBITDA | $2.7M | $2.7M | $3.4M | $1.4M | $1.5M |
| EPS | 0.49 | 0.49 | 0.75 | 0.43 | 0.31 |
| Gross Margin | 87.4% | 87.4% | 81.5% | 74.5% | 5.9% |
| Operating Margin | 43.4% | 43.4% | 63.4% | 44.8% | 3.6% |
| Net Margin | 25.9% | 25.9% | 45.9% | 45.2% | 2.4% |
| Balance Sheet | |||||
| Debt/Equity | — | — | — | 0.01 | 0.01 |
| Current Ratio | 400.09 | 400.09 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $13.2M | $13.2M | $-16.4M | $17.2M | $1.0M |
| Returns | |||||
| ROE | 2.7% | 2.7% | 4.2% | 2.5% | 1.9% |
| Valuation | |||||
| P/E | 44.98 | 44.98 | 27.87 | 50.58 | 69.35 |
| EV/EBITDA | 18.85 | 18.85 | 20.05 | 38.80 | 46.47 |
| P/B | 1.05 | 1.05 | 1.17 | 1.27 | 1.29 |
| Growth & Yield | |||||
| Revenue Growth | 17.0% | 17.0% | 69.9% | -92.7% | — |
| EPS Growth | -34.7% | -34.7% | 74.4% | 38.7% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
51.9%
EPS terminal req.
$1.72
Spread vs growth
-86.5%
5Y implied EPS CAGR
33.5%
EPS terminal req.
$2.08
Spread vs growth
-68.1%
10Y implied EPS CAGR
21.2%
EPS terminal req.
$3.34
Spread vs growth
-55.8%
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
+5.9%
Start / end P/E
24.4x → 39.5x
EPS bridge
0.75 → 0.49
Residual
-21.5%
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.