Financial Services / Credit ServicesNasdaqGM
$2.14
-0.07 (-3.17%)
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 43.0/100
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
29/100
D
Piotroski
5/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
20/100
SEC 0%
Sin guardar todavía.
Market Cap
$253M
P/E
N/A
•EV/EBITDA
31.3x
↑ROE
-5.7%
↓Gross Margin
76.9%
↑Debt/Equity
1.79
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2018–2025 · 7 años de histórico normalizado
Revenue CAGR
+8.6%
FCF CAGR
—
FCF margin
-4.5%
FCF / Net income
1.00x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $93.2M · net income $-4.2M · FCF $-4.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | $93.2M | $93.2M | $24.0M | $117.5M | $179.6M | $215.7M | $108.9M | $92.8M | $52.2M |
| Net Income | $-4.2M | $-4.2M | $-135.0M | $22.1M | $66.6M | $146.1M | $-97.6M | $62.5M | $28.3M |
| EBITDA | $6.7M | $6.7M | $-51.6M | $40.7M | $100.3M | $150.8M | $58.0M | $62.7M | $28.6M |
| EPS | — | — | -1.13 | 0.18 | 0.53 | 1.16 | -1.09 | -2.97 | — |
| Gross Margin | 76.9% | 76.9% | 0.7% | 81.0% | 88.9% | 91.4% | 91.0% | 91.6% | 91.2% |
| Operating Margin | -5.4% | -5.4% | -272.1% | 24.8% | 54.4% | 69.7% | 52.1% | 67.4% | 54.6% |
| Net Margin | -4.5% | -4.5% | -562.0% | 18.8% | 37.1% | 67.7% | -89.6% | 67.4% | 54.2% |
| Balance Sheet | |||||||||
| Debt/Equity | 1.79 | 1.79 | 2.45 | 0.72 | 0.71 | 0.90 | 5.74 | — | — |
| Current Ratio | 4.44 | 4.44 | — | — | — | — | — | — | — |
| Cash Flow | |||||||||
| Free Cash Flow | $-4.2M | $-4.2M | $13.7M | $80.5M | $106.8M | $95.0M | $23.4M | $41.7M | $28.5M |
| Returns | |||||||||
| ROE | -5.7% | -5.7% | -172.9% | 10.7% | 31.3% | 91.9% | -366.5% | -26.6% | -21.1% |
| Valuation | |||||||||
| P/E | — | — | — | 42.83 | 13.49 | — | — | — | — |
| EV/EBITDA | 31.25 | 31.25 | — | 20.76 | 8.48 | — | — | — | — |
| P/B | 3.36 | 3.36 | 8.91 | 4.56 | 4.24 | — | — | — | — |
| Growth & Yield | |||||||||
| Revenue Growth | 288.0% | 288.0% | -79.5% | -34.6% | — | 98.0% | 17.3% | 77.9% | — |
| EPS Growth | — | — | -727.8% | -66.0% | — | 206.4% | 63.3% | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+18.2%
Start / end P/E
n/dx → n/dx
EPS bridge
-1.13 → n/d
Residual
+18.2%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.