Financial Services / Credit ServicesNYSE
$495.85
+1.87 (+0.38%)
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 100.0/100
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
36/100
D
Piotroski
8/9
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
$438.1B
P/E
28.7x
↑EV/EBITDA
22.4x
↑ROE
193.5%
↑Gross Margin
77.9%
↑Debt/Equity
2.46
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
+12.3%
FCF CAGR
+19.3%
FCF margin
50.1%
FCF / Net income
1.10x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $32.79B · net income $14.97B · FCF $16.43B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||||
| Revenue | $32.79B | $32.79B | $28.17B | $25.10B | $22.24B | $29.84B | $23.62B | $24.98B | $21.83B | $12.50B | $10.78B | $9.67B | $9.44B | $8.35B | $7.39B | $6.71B | $5.54B | $5.10B | $4.99B | $4.07B |
| Net Income | $14.97B | $14.97B | $12.87B | $11.20B | $9.93B | $8.69B | $6.41B | $8.12B | $5.86B | $3.92B | $4.06B | $3.81B | $3.62B | $3.12B | $2.76B | $1.91B | $1.85B | $1.46B | $-254.0M | $1.09B |
| EBITDA | $20.44B | $20.44B | $16.80B | $15.01B | $12.95B | $10.81B | $8.66B | $10.19B | $7.74B | $7.06B | $6.13B | $5.44B | $5.43B | $4.76B | $4.17B | $2.91B | $2.90B | $2.40B | $-422.0M | $1.21B |
| EPS | 16.52 | 16.52 | 13.89 | 11.83 | 10.22 | 8.76 | 6.37 | 7.94 | 5.60 | 3.65 | 3.69 | 3.35 | 3.10 | 2.56 | 2.19 | 1.48 | 1.41 | 1.12 | -0.19 | 0.80 |
| Gross Margin | 77.9% | 77.9% | 76.3% | 76.0% | 76.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | 59.5% | 59.5% | 58.0% | 58.3% | 57.2% | 33.8% | 34.2% | 38.7% | 33.4% | 53.0% | 53.5% | 52.5% | 54.1% | 54.0% | 53.3% | 40.4% | 49.7% | 44.3% | -10.7% | 27.2% |
| Net Margin | 45.6% | 45.6% | 45.7% | 44.6% | 44.7% | 29.1% | 27.1% | 32.5% | 26.8% | 31.3% | 37.7% | 39.4% | 38.3% | 37.3% | 37.3% | 28.4% | 33.3% | 28.7% | -5.1% | 26.7% |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 2.46 | 2.46 | 2.81 | 2.26 | 2.23 | 1.79 | 1.88 | 1.45 | 1.08 | — | 0.92 | 0.54 | 0.22 | 0.00 | — | — | — | 0.01 | 0.01 | — |
| Current Ratio | 0.98 | 0.98 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $16.43B | $16.43B | $13.59B | $10.89B | $10.10B | $9.06B | $6.88B | $7.76B | $5.89B | $5.36B | $4.27B | $3.87B | $3.23B | $3.98B | $2.85B | $2.61B | $1.64B | $1.32B | $337.0M | $688.3M |
| Returns | ||||||||||||||||||||
| ROE | 193.5% | 193.5% | 198.5% | 161.6% | 157.7% | 118.8% | 100.3% | 137.8% | 108.6% | — | 71.8% | 63.2% | 53.3% | 41.6% | 39.9% | 32.5% | 35.5% | 41.8% | -13.2% | — |
| Valuation | ||||||||||||||||||||
| P/E | 28.68 | 28.68 | 37.53 | 35.45 | 35.98 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| EV/EBITDA | 22.39 | 22.39 | 29.36 | 26.90 | 28.10 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 58.06 | 58.06 | 74.53 | 57.26 | 56.69 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | 16.4% | 16.4% | 12.2% | 12.9% | — | 26.4% | -5.5% | 14.4% | 74.7% | 16.0% | 11.5% | 2.4% | 13.1% | 12.9% | 10.1% | 21.2% | 8.6% | 2.1% | 22.7% | — |
| EPS Growth | 18.9% | 18.9% | 17.4% | 15.8% | — | 37.5% | -19.8% | 41.8% | 53.4% | -1.1% | 10.1% | 8.1% | 21.1% | 16.9% | 48.0% | 5.3% | 25.9% | 675.3% | -124.4% | — |
| Dividend Yield | 0.7% | 0.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
38.6%
EPS terminal req.
$44.00
Spread vs growth
-19.7%
5Y implied EPS CAGR
26.4%
EPS terminal req.
$53.24
Spread vs growth
-7.4%
10Y implied EPS CAGR
17.9%
EPS terminal req.
$85.74
Spread vs growth
1.0%
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
-14.6%
Start / end P/E
42.2x → 30.0x
EPS bridge
13.89 → 16.52
Residual
-5.5%
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.