Financial Services / Credit ServicesBSE
$61.75
+0.00 (+0.00%)
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 24.0/100
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
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
$218M
P/E
5.1x
↓EV/EBITDA
4.9x
↓ROE
7.9%
↑Gross Margin
77.3%
↑Debt/Equity
0.57
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+30.0%
FCF CAGR
+45.6%
FCF margin
92.3%
FCF / Net income
3.72x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $119.9M · net income $29.8M · FCF $110.7M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $119.9M | $119.9M | $71.7M | $64.3M | $54.6M |
| Net Income | $29.8M | $29.8M | $20.7M | $20.0M | $6.5M |
| EBITDA | $84.1M | $84.1M | $26.7M | $24.1M | $11.8M |
| EPS | 8.43 | 8.43 | 5.85 | 5.65 | 1.84 |
| Gross Margin | 77.3% | 77.3% | 49.4% | 49.9% | 36.9% |
| Operating Margin | 69.6% | 69.6% | 36.2% | 35.9% | 19.1% |
| Net Margin | 24.8% | 24.8% | 28.9% | 31.1% | 11.9% |
| Balance Sheet | |||||
| Debt/Equity | 0.57 | 0.57 | 0.93 | 1.06 | 1.08 |
| Cash Flow | |||||
| Free Cash Flow | $110.7M | $110.7M | $7.2M | $-29.6M | $35.8M |
| Returns | |||||
| ROE | 7.9% | 7.9% | 6.0% | 6.1% | 2.1% |
| Valuation | |||||
| P/E | 5.14 | 5.14 | 10.38 | 8.23 | 15.30 |
| EV/EBITDA | 4.89 | 4.89 | 19.51 | 19.91 | 32.59 |
| P/B | 0.58 | 0.58 | 0.62 | 0.51 | 0.33 |
| Growth & Yield | |||||
| Revenue Growth | 67.3% | 67.3% | 11.4% | 17.8% | — |
| EPS Growth | 44.1% | 44.1% | 3.5% | 207.1% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-13.4%
EPS terminal req.
$5.48
Spread vs growth
57.5%
5Y implied EPS CAGR
-4.7%
EPS terminal req.
$6.63
Spread vs growth
48.8%
10Y implied EPS CAGR
2.4%
EPS terminal req.
$10.68
Spread vs growth
41.7%
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
+20.7%
Start / end P/E
9.2x → 7.7x
EPS bridge
5.85 → 8.43
Residual
-7.2%
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.