Financial Services / Mortgage FinanceToronto
$24.63
-0.17 (-0.69%)
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 49.0/100
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
50/100
C
Piotroski
2/9
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
$1.0B
P/E
12.1x
↓EV/EBITDA
N/A
•ROE
11.6%
↑Gross Margin
N/A
•Debt/Equity
0.04
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+18.5%
FCF CAGR
-38.1%
FCF margin
4.5%
FCF / Net income
0.09x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $147.3M · net income $74.9M · FCF $6.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $147.3M | $147.3M | $133.8M | $123.1M | $88.4M |
| Net Income | $74.9M | $74.9M | $77.6M | $77.5M | $55.4M |
| EPS | 1.89 | 1.89 | 2.06 | 2.22 | 1.77 |
| Net Margin | 50.8% | 50.8% | 58.0% | 62.9% | 62.6% |
| Balance Sheet | |||||
| Debt/Equity | 0.04 | 0.04 | 0.01 | 0.12 | 0.02 |
| Current Ratio | 2.08 | 2.08 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $6.6M | $6.6M | $49.0M | $-60.3M | $28.0M |
| Returns | |||||
| ROE | 11.6% | 11.6% | 12.9% | 14.6% | 11.3% |
| Valuation | |||||
| P/E | 12.13 | 12.13 | 9.04 | 7.30 | 8.32 |
| P/B | 1.51 | 1.51 | 1.17 | 1.06 | 0.94 |
| Growth & Yield | |||||
| Revenue Growth | 10.0% | 10.0% | 8.7% | 39.2% | — |
| EPS Growth | -8.3% | -8.3% | -7.2% | 25.4% | — |
| Dividend Yield | 6.8% | 6.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
5.0%
EPS terminal req.
$2.19
Spread vs growth
-13.2%
5Y implied EPS CAGR
6.9%
EPS terminal req.
$2.64
Spread vs growth
-15.2%
10Y implied EPS CAGR
8.5%
EPS terminal req.
$4.26
Spread vs growth
-16.7%
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
+31.8%
Start / end P/E
9.6x → 13.0x
EPS bridge
2.06 → 1.89
Residual
-3.0%
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.