Financial Services / Banks - DiversifiedFrankfurt
$44.30
+0.57 (+1.30%)
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 38.0/100
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
33/100
D
Piotroski
5/9
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
$314.4B
P/E
12.8x
↑EV/EBITDA
N/A
•ROE
10.1%
↑Gross Margin
N/A
•Debt/Equity
1.21
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+6.0%
FCF CAGR
—
FCF margin
11.2%
FCF / Net income
0.41x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $113.10B · net income $30.51B · FCF $12.61B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $113.10B | $113.10B | $105.86B | $102.77B | $94.95B |
| Net Income | $30.51B | $30.51B | $26.97B | $26.30B | $27.53B |
| EPS | 3.81 | 3.81 | 3.21 | 3.08 | 3.19 |
| Net Margin | 27.0% | 27.0% | 25.5% | 25.6% | 29.0% |
| Balance Sheet | |||||
| Debt/Equity | 1.21 | 1.21 | 1.11 | 1.15 | 1.11 |
| Cash Flow | |||||
| Free Cash Flow | $12.61B | $12.61B | $-8.80B | $44.98B | $-6.33B |
| Returns | |||||
| ROE | 10.1% | 10.1% | 9.2% | 9.0% | 10.1% |
| Valuation | |||||
| P/E | 12.80 | 12.80 | 13.46 | 10.25 | 10.15 |
| P/B | 1.12 | 1.12 | 1.17 | 0.87 | 0.97 |
| Growth & Yield | |||||
| Revenue Growth | 6.8% | 6.8% | 3.0% | 8.2% | — |
| EPS Growth | 18.7% | 18.7% | 4.2% | -3.4% | — |
| Dividend Yield | 2.2% | 2.2% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
1.0%
EPS terminal req.
$3.93
Spread vs growth
17.6%
5Y implied EPS CAGR
4.5%
EPS terminal req.
$4.76
Spread vs growth
14.2%
10Y implied EPS CAGR
7.2%
EPS terminal req.
$7.66
Spread vs growth
11.5%
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
+15.1%
Start / end P/E
12.2x → 11.6x
EPS bridge
3.21 → 3.81
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.