Financial Services / Banks - RegionalTallinn
$3.40
+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 75.0/100
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
27/100
D
Piotroski
3/9
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
$1.1B
P/E
11.0x
↓EV/EBITDA
N/A
•ROE
15.1%
↑Gross Margin
N/A
•Debt/Equity
1.66
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+21.8%
FCF CAGR
—
FCF margin
154.7%
FCF / Net income
4.13x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $304.9M · net income $114.3M · FCF $471.7M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $304.9M | $304.9M | $338.3M | $305.5M | $168.6M |
| Net Income | $114.3M | $114.3M | $149.0M | $139.6M | $59.8M |
| EPS | 0.34 | 0.34 | 0.45 | 0.43 | 0.19 |
| Net Margin | 37.5% | 37.5% | 44.0% | 45.7% | 35.5% |
| Balance Sheet | |||||
| Debt/Equity | 1.66 | 1.66 | 1.59 | 1.28 | 1.40 |
| Cash Flow | |||||
| Free Cash Flow | $471.7M | $471.7M | $726.9M | $645.4M | $-1.30B |
| Returns | |||||
| ROE | 15.1% | 15.1% | 22.2% | 25.5% | 14.5% |
| Valuation | |||||
| P/E | 10.98 | 10.98 | 7.34 | 8.63 | 17.82 |
| P/B | 1.50 | 1.50 | 1.62 | 2.19 | 2.60 |
| Growth & Yield | |||||
| Revenue Growth | -9.9% | -9.9% | 10.7% | 81.2% | — |
| EPS Growth | -24.4% | -24.4% | 4.7% | 126.3% | — |
| Dividend Yield | 5.0% | 5.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-3.9%
EPS terminal req.
$0.30
Spread vs growth
-20.6%
5Y implied EPS CAGR
1.5%
EPS terminal req.
$0.37
Spread vs growth
-25.9%
10Y implied EPS CAGR
5.6%
EPS terminal req.
$0.59
Spread vs growth
-30.1%
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
-5.4%
Start / end P/E
8.4x → 10.0x
EPS bridge
0.45 → 0.34
Residual
-4.5%
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.