Financial Services / Credit ServicesASX
$3.16
+0.02 (+0.64%)
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 53.0/100
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
33/100
D
Piotroski
6/9
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
$959M
P/E
6.7x
↓EV/EBITDA
11.1x
↓ROE
11.2%
↑Gross Margin
422.5%
↑Debt/Equity
12.23
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-4.6%
FCF CAGR
—
FCF margin
33.0%
FCF / Net income
0.87x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $352.8M · net income $134.0M · FCF $116.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $352.8M | $352.8M | $353.2M | $400.3M | $406.4M |
| Net Income | $134.0M | $134.0M | $115.8M | $181.5M | $219.6M |
| EBITDA | $1.31B | $1.31B | $1.26B | $1.05B | $731.3M |
| EPS | 0.44 | 0.44 | 0.38 | 0.60 | 0.69 |
| Gross Margin | 422.5% | 422.5% | 412.7% | 306.7% | 210.5% |
| Operating Margin | 372.6% | 372.6% | 362.4% | 263.2% | 172.2% |
| Net Margin | 38.0% | 38.0% | 32.8% | 45.3% | 54.0% |
| Balance Sheet | |||||
| Debt/Equity | 12.23 | 12.23 | 12.16 | 11.96 | 11.40 |
| Current Ratio | 0.21 | 0.21 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $116.4M | $116.4M | $-932.6M | $-442.7M | $-483.8M |
| Returns | |||||
| ROE | 11.2% | 11.2% | 9.7% | 15.5% | 19.6% |
| Valuation | |||||
| P/E | 6.72 | 6.72 | 9.86 | 6.21 | 5.83 |
| EV/EBITDA | 11.13 | 11.13 | 11.82 | 13.28 | 18.43 |
| P/B | 0.58 | 0.58 | 0.95 | 0.96 | 1.15 |
| Growth & Yield | |||||
| Revenue Growth | -0.1% | -0.1% | -11.8% | -1.5% | — |
| EPS Growth | 15.4% | 15.4% | -36.2% | -13.3% | — |
| Dividend Yield | 13.4% | 13.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-13.9%
EPS terminal req.
$0.28
Spread vs growth
29.3%
5Y implied EPS CAGR
-5.1%
EPS terminal req.
$0.34
Spread vs growth
20.4%
10Y implied EPS CAGR
2.2%
EPS terminal req.
$0.55
Spread vs growth
13.2%
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
+12.2%
Start / end P/E
8.4x → 7.2x
EPS bridge
0.38 → 0.44
Residual
-2.2%
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.