Financial Services / Banks - RegionalNYSE
$15.95
-0.09 (-0.56%)
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 49.0/100
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
43/100
C
Piotroski
6/9
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
$63.5B
P/E
8.5x
↓EV/EBITDA
N/A
•ROE
13.7%
↑Gross Margin
N/A
•Debt/Equity
1.69
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+7.5%
FCF CAGR
—
FCF margin
34.9%
FCF / Net income
0.99x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $16.61B · net income $5.83B · FCF $5.79B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $16.61B | $16.61B | $14.65B | $14.78B | $13.35B |
| Net Income | $5.83B | $5.83B | $4.80B | $4.64B | $3.59B |
| EPS | 1.35 | 1.35 | 1.06 | 0.95 | 0.67 |
| Net Margin | 35.1% | 35.1% | 32.8% | 31.4% | 26.9% |
| Balance Sheet | |||||
| Debt/Equity | 1.69 | 1.69 | 1.68 | 1.62 | 1.52 |
| Cash Flow | |||||
| Free Cash Flow | $5.79B | $5.79B | $694.0M | $-18.99B | $-44.98B |
| Returns | |||||
| ROE | 13.7% | 13.7% | 12.2% | 12.5% | 9.8% |
| Valuation | |||||
| P/E | 8.53 | 8.53 | 9.60 | 6.00 | 10.15 |
| P/B | 1.52 | 1.52 | 1.10 | 0.71 | 0.93 |
| Growth & Yield | |||||
| Revenue Growth | 13.3% | 13.3% | -0.9% | 10.7% | — |
| EPS Growth | 26.9% | 26.9% | 11.3% | 42.0% | — |
| Dividend Yield | 5.5% | 5.5% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
1.6%
EPS terminal req.
$1.42
Spread vs growth
25.3%
5Y implied EPS CAGR
4.9%
EPS terminal req.
$1.71
Spread vs growth
22.0%
10Y implied EPS CAGR
7.4%
EPS terminal req.
$2.76
Spread vs growth
19.5%
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
+17.0%
Start / end P/E
13.5x → 11.8x
EPS bridge
1.06 → 1.35
Residual
-3.3%
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.