Financial Services / Credit ServicesBSE
$940.75
-15.75 (-1.65%)
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 100.0/100
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
25/100
D
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
$3.6B
P/E
34.1x
↑EV/EBITDA
22.5x
↑ROE
9.2%
↑Gross Margin
91.2%
↑Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+15.2%
FCF CAGR
—
FCF margin
180.5%
FCF / Net income
3.49x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $183.6M · net income $94.9M · FCF $331.3M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $183.6M | $183.6M | $281.1M | $107.0M | $120.1M |
| Net Income | $94.9M | $94.9M | $211.7M | $163.7M | $45.7M |
| EBITDA | $160.3M | $160.3M | $346.4M | $218.6M | $44.9M |
| EPS | 24.69 | 24.69 | 55.46 | 45.89 | 13.11 |
| Gross Margin | 91.2% | 91.2% | 81.8% | 59.3% | 37.1% |
| Operating Margin | 64.6% | 64.6% | 113.8% | 202.4% | 37.3% |
| Net Margin | 51.7% | 51.7% | 75.3% | 153.0% | 38.0% |
| Balance Sheet | |||||
| Debt/Equity | — | — | — | 7.81 | — |
| Cash Flow | |||||
| Free Cash Flow | $331.3M | $331.3M | $2.57B | $-2.59B | $-52.3M |
| Returns | |||||
| ROE | 9.2% | 9.2% | 22.6% | 51.4% | 29.5% |
| Valuation | |||||
| P/E | 34.07 | 34.07 | 34.16 | 27.94 | 52.18 |
| EV/EBITDA | 22.52 | 22.52 | 19.98 | 33.76 | 53.02 |
| P/B | 3.51 | 3.51 | 7.71 | 15.37 | 15.39 |
| Growth & Yield | |||||
| Revenue Growth | -34.7% | -34.7% | 162.8% | -10.9% | — |
| EPS Growth | -55.5% | -55.5% | 20.9% | 250.1% | — |
| Dividend Yield | 0.1% | 0.1% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
50.1%
EPS terminal req.
$83.48
Spread vs growth
-105.6%
5Y implied EPS CAGR
32.5%
EPS terminal req.
$101.01
Spread vs growth
-88.0%
10Y implied EPS CAGR
20.7%
EPS terminal req.
$162.67
Spread vs growth
-76.2%
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
-42.5%
Start / end P/E
29.5x → 38.0x
EPS bridge
55.46 → 24.69
Residual
-16.1%
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.