Financial Services / Insurance BrokersNYSE
$161.76
+1.79 (+1.12%)
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
31/100
D
Piotroski
6/9
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
$77.9B
P/E
20.2x
↑EV/EBITDA
13.3x
↑ROE
27.5%
↑Gross Margin
42.3%
↓Debt/Equity
1.42
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
—
FCF margin
18.5%
FCF / Net income
1.20x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $26.98B · net income $4.16B · FCF $5.00B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||||
| Revenue | $26.98B | $26.98B | $24.46B | $22.74B | $20.72B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Income | $4.16B | $4.16B | $4.06B | $3.76B | $3.05B | $3.14B | $2.02B | $1.74B | $1.65B | $1.49B | $1.77B | $1.60B | $1.47B | $1.36B | $1.18B | $993.0M | $855.0M | $227.0M | $-73.0M | $2.48B |
| EBITDA | $7.41B | $7.41B | $6.93B | $6.32B | $5.27B | $5.06B | $3.81B | $3.32B | $3.25B | $3.14B | $2.87B | $2.84B | $2.69B | $2.44B | $2.18B | $1.97B | — | — | — | — |
| EPS | 8.43 | 8.43 | 8.18 | 7.53 | 6.04 | 6.13 | 3.94 | 3.41 | 3.23 | 2.87 | 3.38 | 2.98 | 2.65 | 2.43 | 2.13 | 1.79 | 1.55 | 0.42 | -0.14 | 4.45 |
| Gross Margin | 42.3% | 42.3% | 42.8% | 42.4% | 41.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | 23.1% | 23.1% | 23.8% | 23.2% | 20.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Margin | 15.4% | 15.4% | 16.6% | 16.5% | 14.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 1.42 | 1.42 | 1.64 | 1.27 | 1.28 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Current Ratio | 1.11 | 1.11 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $5.00B | $5.00B | $3.99B | $3.84B | $3.00B | $3.11B | $3.03B | $1.94B | $2.11B | $1.59B | $1.75B | $1.56B | $1.75B | $940.0M | $1.00B | $1.43B | $451.0M | $335.0M | $554.0M | $-681.0M |
| Returns | ||||||||||||||||||||
| ROE | 27.5% | 27.5% | 30.4% | 30.8% | 29.0% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Valuation | ||||||||||||||||||||
| P/E | 20.22 | 20.22 | 25.83 | 25.34 | 28.30 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| EV/EBITDA | 13.32 | 13.32 | 17.94 | 16.99 | 18.67 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 5.29 | 5.29 | 7.85 | 7.81 | 8.21 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | 10.3% | 10.3% | 7.6% | 9.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| EPS Growth | 3.1% | 3.1% | 8.6% | 24.7% | — | 55.6% | 15.5% | 5.6% | 12.5% | -15.1% | 13.4% | 12.5% | 9.1% | 14.1% | 19.0% | 15.5% | 269.0% | 400.0% | -103.1% | — |
| Dividend Yield | 2.3% | 2.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
19.4%
EPS terminal req.
$14.35
Spread vs growth
-16.4%
5Y implied EPS CAGR
15.6%
EPS terminal req.
$17.37
Spread vs growth
-12.5%
10Y implied EPS CAGR
12.7%
EPS terminal req.
$27.97
Spread vs growth
-9.7%
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
-28.5%
Start / end P/E
28.6x → 19.2x
EPS bridge
8.18 → 8.43
Residual
-1.0%
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.