Financial Services / Credit ServicesLSE
$3.09
-0.29 (-8.45%)
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 50.0/100
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
44/100
C
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
$3M
P/E
27.3x
↑EV/EBITDA
5.3x
↓ROE
6.7%
↑Gross Margin
72.0%
↑Debt/Equity
0.33
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2021–2024 · 3 años de histórico normalizado
Revenue CAGR
+26.1%
FCF CAGR
—
FCF margin
25.8%
FCF / Net income
1.51x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $74.2M · net income $12.7M · FCF $19.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $74.2M | $74.2M | $184.7M | $103.9M | $37.1M |
| Net Income | $12.7M | $12.7M | $31.5M | $34.6M | $8.9M |
| EBITDA | $67.1M | $67.1M | $50.4M | $50.4M | $14.2M |
| EPS | 0.11 | 0.11 | 0.28 | 0.06 | 0.08 |
| Gross Margin | 72.0% | 72.0% | 35.4% | 57.6% | 52.4% |
| Operating Margin | 90.2% | 90.2% | 30.3% | 49.3% | 39.5% |
| Net Margin | 17.1% | 17.1% | 17.0% | 33.3% | 23.9% |
| Balance Sheet | |||||
| Debt/Equity | 0.33 | 0.33 | 0.38 | 0.47 | 0.44 |
| Current Ratio | 4.75 | 4.75 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $19.2M | $19.2M | $84.4M | $-55.5M | $-56.6M |
| Returns | |||||
| ROE | 6.7% | 6.7% | 17.2% | 23.2% | 7.7% |
| Valuation | |||||
| P/E | 27.31 | 27.31 | 284.15 | 1446.63 | 1591.19 |
| EV/EBITDA | 5.31 | 5.31 | 177.15 | 191.96 | 991.92 |
| P/B | 1.84 | 1.84 | 48.76 | 64.71 | 122.28 |
| Growth & Yield | |||||
| Revenue Growth | -59.8% | -59.8% | 77.9% | 180.2% | — |
| EPS Growth | -60.0% | -60.0% | 365.2% | -23.4% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
34.3%
EPS terminal req.
$0.27
Spread vs growth
-94.3%
5Y implied EPS CAGR
24.0%
EPS terminal req.
$0.33
Spread vs growth
-84.0%
10Y implied EPS CAGR
16.8%
EPS terminal req.
$0.54
Spread vs growth
-76.8%
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
-93.0%
Start / end P/E
155.3x → 27.3x
EPS bridge
0.28 → 0.11
Residual
+49.5%
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.