Financial Services / Credit ServicesNasdaqGS
$9.85
+0.12 (+1.23%)
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 58.0/100
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
51/100
C
Piotroski
7/9
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
$235M
P/E
6.7x
↓EV/EBITDA
N/A
•ROE
11.4%
↑Gross Margin
N/A
•Debt/Equity
0.78
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2017–2025 · 8 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
—
FCF margin
51.9%
FCF / Net income
2.71x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $243.4M · net income $46.6M · FCF $126.3M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | $243.4M | $243.4M | $203.1M | $189.9M | $162.2M | $159.0M | $145.0M | $132.6M | $100.8M | — |
| Net Income | $46.6M | $46.6M | $35.9M | $55.1M | $43.8M | $54.1M | $-34.8M | $-1.8M | $-25.0M | — |
| EPS | 1.78 | 1.78 | 1.52 | 2.37 | 1.83 | 2.17 | -1.42 | -0.07 | -1.03 | 0.01 |
| Net Margin | 19.1% | 19.1% | 17.7% | 29.0% | 27.0% | 34.0% | -24.0% | -1.3% | -24.8% | — |
| Balance Sheet | ||||||||||
| Debt/Equity | 0.78 | 0.78 | 0.78 | 0.74 | 0.76 | 0.77 | 0.66 | 0.66 | 0.60 | — |
| Current Ratio | 35.67 | 35.67 | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||
| Free Cash Flow | $126.3M | $126.3M | $108.7M | $113.8M | $108.7M | — | — | — | — | — |
| Returns | ||||||||||
| ROE | 11.4% | 11.4% | 9.7% | 16.1% | 14.5% | 18.9% | -15.0% | -0.7% | -9.5% | — |
| Valuation | ||||||||||
| P/E | 6.66 | 6.66 | 6.24 | 4.19 | 3.81 | — | — | — | — | — |
| P/B | 0.58 | 0.58 | 0.61 | 0.67 | 0.55 | — | — | — | — | — |
| Growth & Yield | ||||||||||
| Revenue Growth | 19.8% | 19.8% | 7.0% | 17.0% | — | 9.7% | 9.4% | 31.5% | — | — |
| EPS Growth | 17.1% | 17.1% | -35.9% | 29.5% | — | 252.8% | -1928.6% | 93.2% | -10400.0% | — |
| Dividend Yield | 5.7% | 5.7% | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-21.1%
EPS terminal req.
$0.87
Spread vs growth
38.2%
5Y implied EPS CAGR
-9.9%
EPS terminal req.
$1.06
Spread vs growth
27.0%
10Y implied EPS CAGR
-0.4%
EPS terminal req.
$1.70
Spread vs growth
17.5%
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
+13.1%
Start / end P/E
6.0x → 5.5x
EPS bridge
1.52 → 1.78
Residual
-1.4%
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.