Financial Services / Banks - RegionalASX
$4.41
-0.07 (-1.56%)
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 32.0/100
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
18/100
F
Piotroski
1/9
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
$752M
P/E
17.6x
↑EV/EBITDA
N/A
•ROE
7.6%
↑Gross Margin
N/A
•Debt/Equity
4.84
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2021–2024 · 3 años de histórico normalizado
Revenue CAGR
+2.8%
FCF CAGR
—
FCF margin
7.0%
FCF / Net income
0.30x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $150.5M · net income $35.3M · FCF $10.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $150.5M | $150.5M | $159.0M | $138.3M | $138.5M |
| Net Income | $35.3M | $35.3M | $38.5M | $32.0M | $36.3M |
| EPS | 0.28 | 0.28 | 0.31 | 0.30 | 0.39 |
| Net Margin | 23.4% | 23.4% | 24.2% | 23.2% | 26.2% |
| Balance Sheet | |||||
| Debt/Equity | 4.84 | 4.84 | 4.20 | 3.02 | 2.80 |
| Cash Flow | |||||
| Free Cash Flow | $10.6M | $10.6M | $-78.8M | $-54.4M | $-127.1M |
| Returns | |||||
| ROE | 7.6% | 7.6% | 8.4% | 7.4% | 8.8% |
| Valuation | |||||
| P/E | 17.64 | 17.64 | 10.53 | 14.34 | 12.07 |
| P/B | 1.18 | 1.18 | 0.89 | 1.07 | 1.20 |
| Growth & Yield | |||||
| Revenue Growth | -5.3% | -5.3% | 14.9% | -0.1% | — |
| EPS Growth | -8.0% | -8.0% | 1.7% | -22.6% | — |
| Dividend Yield | 5.4% | 5.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
11.3%
EPS terminal req.
$0.39
Spread vs growth
-19.3%
5Y implied EPS CAGR
10.8%
EPS terminal req.
$0.47
Spread vs growth
-18.8%
10Y implied EPS CAGR
10.4%
EPS terminal req.
$0.76
Spread vs growth
-18.4%
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
+7.2%
Start / end P/E
14.0x → 15.5x
EPS bridge
0.31 → 0.28
Residual
-0.9%
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.