Financial Services / Credit ServicesBSE
$3.07
-0.10 (-3.15%)
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 3.0/100
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
45/100
C
Piotroski
4/9
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
$614M
P/E
61.4x
↑EV/EBITDA
94.2x
↑ROE
0.7%
↓Gross Margin
26.1%
↓Debt/Equity
1.18
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+24.6%
FCF CAGR
—
FCF margin
-359.7%
FCF / Net income
-87.09x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $60.6M · net income $2.5M · FCF $-218.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $60.6M | $60.6M | $38.3M | $31.7M | $31.3M |
| Net Income | $2.5M | $2.5M | $2.6M | $2.3M | $1.6M |
| EBITDA | $8.1M | $8.1M | $9.3M | $6.7M | $4.2M |
| EPS | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 |
| Gross Margin | 26.1% | 26.1% | 31.0% | 41.0% | 30.0% |
| Operating Margin | 6.0% | 6.0% | 14.6% | 9.4% | 2.2% |
| Net Margin | 4.1% | 4.1% | 6.8% | 7.2% | 5.1% |
| Balance Sheet | |||||
| Debt/Equity | 1.18 | 1.18 | 1.19 | 0.54 | 0.76 |
| Current Ratio | 1.57 | 1.57 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-218.0M | $-218.0M | $-141.6M | $53.0M | $8.5M |
| Returns | |||||
| ROE | 0.7% | 0.7% | 1.1% | 0.9% | 0.7% |
| Valuation | |||||
| P/E | 61.40 | 61.40 | 197.03 | 132.43 | 318.62 |
| EV/EBITDA | 94.24 | 94.24 | 83.60 | 62.59 | 160.56 |
| P/B | 1.04 | 1.04 | 2.09 | 1.25 | 2.15 |
| Growth & Yield | |||||
| Revenue Growth | 58.4% | 58.4% | 20.7% | 1.1% | — |
| EPS Growth | 34.5% | 34.5% | 14.1% | 41.7% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
134.6%
EPS terminal req.
$0.27
Spread vs growth
-100.1%
5Y implied EPS CAGR
73.3%
EPS terminal req.
$0.33
Spread vs growth
-38.7%
10Y implied EPS CAGR
38.1%
EPS terminal req.
$0.53
Spread vs growth
-3.5%
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
+12.5%
Start / end P/E
174.1x → 145.5x
EPS bridge
0.02 → 0.02
Residual
-5.7%
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.