Financial Services / Banks - RegionalNYSE
$5.42
-0.05 (-1.01%)
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 39.0/100
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
32/100
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
$78.7B
P/E
13.2x
↑EV/EBITDA
N/A
•ROE
9.8%
↑Gross Margin
N/A
•Debt/Equity
2.00
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+7.7%
FCF CAGR
—
FCF margin
-3.1%
FCF / Net income
-0.13x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $20.03B · net income $4.66B · FCF $-622.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $20.03B | $20.03B | $18.60B | $19.20B | $16.05B |
| Net Income | $4.66B | $4.66B | $4.42B | $5.46B | $3.83B |
| EPS | 0.28 | 0.28 | 0.25 | 0.30 | 0.29 |
| Net Margin | 23.3% | 23.3% | 23.8% | 28.4% | 23.8% |
| Balance Sheet | |||||
| Debt/Equity | 2.00 | 2.00 | 1.94 | 1.99 | 2.10 |
| Cash Flow | |||||
| Free Cash Flow | $-622.0M | $-622.0M | $-10.02B | $1.35B | $18.16B |
| Returns | |||||
| ROE | 9.8% | 9.8% | 9.7% | 11.6% | 8.8% |
| Valuation | |||||
| P/E | 13.21 | 13.21 | 10.85 | 7.83 | 8.12 |
| P/B | 1.73 | 1.73 | 0.93 | 0.83 | 0.93 |
| Growth & Yield | |||||
| Revenue Growth | 7.7% | 7.7% | -3.1% | 19.6% | — |
| EPS Growth | 11.3% | 11.3% | -18.4% | 5.6% | — |
| Dividend Yield | 3.7% | 3.7% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
20.3%
EPS terminal req.
$0.48
Spread vs growth
-9.0%
5Y implied EPS CAGR
16.1%
EPS terminal req.
$0.58
Spread vs growth
-4.8%
10Y implied EPS CAGR
13.0%
EPS terminal req.
$0.94
Spread vs growth
-1.7%
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
+32.3%
Start / end P/E
17.0x → 19.6x
EPS bridge
0.25 → 0.28
Residual
+1.8%
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.