Financial Services / Credit ServicesNSE
$212.54
+8.85 (+4.62%)
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 31.0/100
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
53/100
C
Piotroski
3/9
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
$4.5B
P/E
35.5x
↑EV/EBITDA
30.5x
↑ROE
9.3%
↑Gross Margin
53.1%
↑Debt/Equity
1.42
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+52.6%
FCF CAGR
—
FCF margin
-103.4%
FCF / Net income
-3.84x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $485.0M · net income $130.7M · FCF $-501.7M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $485.0M | $485.0M | $330.1M | $208.3M | $136.5M |
| Net Income | $130.7M | $130.7M | $105.5M | $79.1M | $60.8M |
| EBITDA | $200.0M | $200.0M | $154.3M | $116.6M | $91.9M |
| EPS | 6.58 | 6.58 | 5.45 | 4.10 | 3.15 |
| Gross Margin | 53.1% | 53.1% | 61.2% | 68.0% | 76.5% |
| Operating Margin | 40.1% | 40.1% | 48.7% | 54.3% | 64.5% |
| Net Margin | 26.9% | 26.9% | 31.9% | 38.0% | 44.6% |
| Balance Sheet | |||||
| Debt/Equity | 1.42 | 1.42 | 1.08 | 0.78 | 0.28 |
| Current Ratio | 64.70 | 64.70 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-501.7M | $-501.7M | $-544.0M | $-464.1M | $-108.4M |
| Returns | |||||
| ROE | 9.3% | 9.3% | 8.3% | 7.1% | 5.7% |
| Valuation | |||||
| P/E | 35.48 | 35.48 | — | — | — |
| EV/EBITDA | 30.53 | 30.53 | — | — | — |
| P/B | 3.00 | 3.00 | — | — | — |
| Growth & Yield | |||||
| Revenue Growth | 46.9% | 46.9% | 58.4% | 52.7% | — |
| EPS Growth | 20.7% | 20.7% | 32.9% | 30.2% | — |
| Dividend Yield | 0.4% | 0.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
42.0%
EPS terminal req.
$18.86
Spread vs growth
-21.3%
5Y implied EPS CAGR
28.2%
EPS terminal req.
$22.82
Spread vs growth
-7.5%
10Y implied EPS CAGR
18.8%
EPS terminal req.
$36.75
Spread vs growth
2.0%
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
+19.9%
Start / end P/E
30.8x → 30.5x
EPS bridge
5.45 → 6.58
Residual
-0.2%
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.