Financial Services / Credit ServicesBSE
$36.60
-1.40 (-3.68%)
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 18.0/100
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
40/100
C
Piotroski
3/9
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
$520M
P/E
71.8x
↑EV/EBITDA
77.3x
↑ROE
3.3%
↓Gross Margin
39.4%
↓Debt/Equity
1.75
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-0.6%
FCF CAGR
—
FCF margin
-84.5%
FCF / Net income
-10.64x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $52.1M · net income $4.1M · FCF $-44.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $52.1M | $52.1M | $50.1M | $50.8M | $53.0M |
| Net Income | $4.1M | $4.1M | $1.4M | $4.9M | $3.5M |
| EBITDA | $6.1M | $6.1M | $5.6M | $8.3M | $5.6M |
| EPS | 0.58 | 0.58 | 0.23 | 0.82 | 0.58 |
| Gross Margin | 39.4% | 39.4% | 43.8% | 38.6% | 39.4% |
| Operating Margin | 10.2% | 10.2% | 12.2% | 14.1% | 8.8% |
| Net Margin | 7.9% | 7.9% | 2.8% | 9.7% | 6.6% |
| Balance Sheet | |||||
| Debt/Equity | 1.75 | 1.75 | 1.44 | 2.68 | 3.56 |
| Cash Flow | |||||
| Free Cash Flow | $-44.0M | $-44.0M | $-13.6M | $60.1M | $78.7M |
| Returns | |||||
| ROE | 3.3% | 3.3% | 1.1% | 7.5% | 5.7% |
| Valuation | |||||
| P/E | 71.76 | 71.76 | 128.04 | 10.72 | 18.97 |
| EV/EBITDA | 77.30 | 77.30 | 58.19 | 27.06 | 50.33 |
| P/B | 2.05 | 2.05 | 1.47 | 0.80 | 1.08 |
| Growth & Yield | |||||
| Revenue Growth | 4.0% | 4.0% | -1.4% | -4.1% | — |
| EPS Growth | 152.2% | 152.2% | -72.0% | 41.4% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
77.6%
EPS terminal req.
$3.25
Spread vs growth
74.6%
5Y implied EPS CAGR
46.6%
EPS terminal req.
$3.93
Spread vs growth
105.6%
10Y implied EPS CAGR
27.0%
EPS terminal req.
$6.33
Spread vs growth
125.2%
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
+6.3%
Start / end P/E
149.7x → 63.1x
EPS bridge
0.23 → 0.58
Residual
-88.0%
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.