Financial Services / Credit ServicesBSE
$41.14
-3.44 (-7.80%)
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 42.0/100
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
45/100
C
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
$270M
P/E
8.5x
↓EV/EBITDA
9.2x
↓ROE
8.3%
↑Gross Margin
76.1%
↑Debt/Equity
0.27
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2026 · 3 años de histórico normalizado
Revenue CAGR
+6.8%
FCF CAGR
—
FCF margin
-179.7%
FCF / Net income
-3.86x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $68.3M · net income $31.8M · FCF $-122.7M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $68.3M | $68.3M | $63.9M | $62.1M | $56.0M |
| Net Income | $31.8M | $31.8M | $35.2M | $38.5M | $29.9M |
| EBITDA | $40.7M | $40.7M | $39.7M | $38.1M | $42.0M |
| EPS | — | — | 5.37 | 5.87 | 4.56 |
| Gross Margin | 76.1% | 76.1% | 77.7% | 74.1% | 94.7% |
| Operating Margin | 57.2% | 57.2% | 59.6% | 58.6% | 67.0% |
| Net Margin | 46.6% | 46.6% | 55.2% | 62.0% | 53.5% |
| Balance Sheet | |||||
| Debt/Equity | 0.27 | 0.27 | 0.04 | 0.14 | 0.06 |
| Current Ratio | 4.02 | 4.02 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-122.7M | $-122.7M | $-31.2M | $10.7M | $29.6M |
| Returns | |||||
| ROE | 8.3% | 8.3% | 10.1% | 12.2% | 10.8% |
| Valuation | |||||
| P/E | 8.48 | 8.48 | 12.83 | 8.20 | 7.40 |
| EV/EBITDA | 9.16 | 9.16 | 11.77 | 9.35 | 5.41 |
| P/B | 0.71 | 0.71 | 1.29 | 1.00 | 0.80 |
| Growth & Yield | |||||
| Revenue Growth | 6.9% | 6.9% | 2.8% | 11.0% | — |
| EPS Growth | — | — | -8.5% | 28.7% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
-31.5%
Start / end P/E
n/dx → n/dx
EPS bridge
5.37 → n/d
Residual
-31.5%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.