Financial Services / Mortgage FinanceLSE
$519.00
-16.00 (-2.99%)
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 82.0/100
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
46/100
C
Piotroski
8/9
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
$299M
P/E
20.0x
↑EV/EBITDA
931.2x
↑ROE
21.6%
↑Gross Margin
30.7%
↓Debt/Equity
0.25
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2021–2024 · 3 años de histórico normalizado
Revenue CAGR
+12.2%
FCF CAGR
+0.4%
FCF margin
10.1%
FCF / Net income
1.70x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $266.5M · net income $15.9M · FCF $27.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $266.5M | $266.5M | $239.5M | $230.8M | $188.7M |
| Net Income | $15.9M | $15.9M | $13.5M | $12.2M | $18.7M |
| EBITDA | $32.3M | $32.3M | $26.3M | $22.6M | $24.7M |
| EPS | 0.27 | 0.27 | 0.23 | 0.22 | 0.35 |
| Gross Margin | 30.7% | 30.7% | 29.3% | 27.3% | 27.0% |
| Operating Margin | 9.8% | 9.8% | 7.7% | 10.6% | 12.1% |
| Net Margin | 6.0% | 6.0% | 5.6% | 5.3% | 9.9% |
| Balance Sheet | |||||
| Debt/Equity | 0.25 | 0.25 | 0.30 | 0.40 | 0.07 |
| Current Ratio | 0.55 | 0.55 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $27.0M | $27.0M | $21.7M | $20.5M | $26.7M |
| Returns | |||||
| ROE | 21.6% | 21.6% | 19.2% | 18.0% | 48.3% |
| Valuation | |||||
| P/E | 19.96 | 19.96 | 3387.23 | 2467.59 | 4114.29 |
| EV/EBITDA | 931.22 | 931.22 | 1736.35 | 1333.41 | 3124.87 |
| P/B | 408.61 | 408.61 | 651.27 | 443.76 | 1988.45 |
| Growth & Yield | |||||
| Revenue Growth | 11.3% | 11.3% | 3.8% | 22.3% | — |
| EPS Growth | 16.6% | 16.6% | 8.8% | -38.3% | — |
| Dividend Yield | 4.2% | 4.2% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
451.9%
EPS terminal req.
$46.05
Spread vs growth
-435.3%
5Y implied EPS CAGR
189.5%
EPS terminal req.
$55.72
Spread vs growth
-172.9%
10Y implied EPS CAGR
78.5%
EPS terminal req.
$89.74
Spread vs growth
-61.9%
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
-31.9%
Start / end P/E
3455.3x → 1894.2x
EPS bridge
0.23 → 0.27
Residual
-7.5%
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.