Financial Services / Credit ServicesNasdaqGS
$2.32
+0.12 (+5.45%)
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 42.0/100
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
61/100
B
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
$382M
P/E
1.9x
↓EV/EBITDA
1.4x
↓ROE
14.0%
↑Gross Margin
34.0%
↓Debt/Equity
0.40
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+10.1%
FCF CAGR
—
FCF margin
24.8%
FCF / Net income
1.94x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $13.15B · net income $1.68B · FCF $3.26B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $13.15B | $13.15B | $14.20B | $13.06B | $9.87B |
| Net Income | $1.68B | $1.68B | $1.10B | $1.07B | $819.8M |
| EBITDA | $2.24B | $2.24B | $1.51B | $1.52B | $1.23B |
| EPS | 9.44 | 9.44 | 6.48 | 6.34 | 4.42 |
| Gross Margin | 34.0% | 34.0% | 35.4% | 34.6% | 30.8% |
| Operating Margin | 12.1% | 12.1% | 16.1% | 14.4% | 3.4% |
| Net Margin | 12.8% | 12.8% | 7.7% | 8.2% | 8.3% |
| Balance Sheet | |||||
| Debt/Equity | 0.40 | 0.40 | 0.49 | 0.57 | 1.06 |
| Current Ratio | 2.03 | 2.03 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $3.26B | $3.26B | $834.4M | $2.59B | $-91.5M |
| Returns | |||||
| ROE | 14.0% | 14.0% | 10.2% | 11.0% | 9.5% |
| Valuation | |||||
| P/E | 1.90 | 1.90 | 0.94 | 0.29 | 0.54 |
| EV/EBITDA | 1.36 | 1.36 | 2.68 | 2.11 | 6.60 |
| P/B | 0.03 | 0.03 | 0.10 | 0.03 | 0.05 |
| Growth & Yield | |||||
| Revenue Growth | -7.4% | -7.4% | 8.8% | 32.3% | — |
| EPS Growth | 45.7% | 45.7% | 2.2% | 43.4% | — |
| Dividend Yield | 17.4% | 17.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-72.1%
EPS terminal req.
$0.21
Spread vs growth
117.7%
5Y implied EPS CAGR
-51.7%
EPS terminal req.
$0.25
Spread vs growth
97.3%
10Y implied EPS CAGR
-27.1%
EPS terminal req.
$0.40
Spread vs growth
72.8%
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
-49.9%
Start / end P/E
1.1x → 0.2x
EPS bridge
6.48 → 9.44
Residual
-35.4%
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.