Financial Services / Banks - RegionalSES
$23.40
+0.24 (+1.04%)
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
48/100
C
Piotroski
4/9
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
$105.1B
P/E
14.2x
↑EV/EBITDA
N/A
•ROE
11.9%
↑Gross Margin
N/A
•Debt/Equity
0.49
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+9.1%
FCF CAGR
-1.2%
FCF margin
56.0%
FCF / Net income
1.10x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $14.53B · net income $7.42B · FCF $8.14B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $14.53B | $14.53B | $14.44B | $13.44B | $11.19B |
| Net Income | $7.42B | $7.42B | $7.59B | $7.02B | $5.53B |
| EPS | 1.63 | 1.63 | 1.67 | 1.55 | 1.22 |
| Net Margin | 51.1% | 51.1% | 52.6% | 52.3% | 49.4% |
| Balance Sheet | |||||
| Debt/Equity | 0.49 | 0.49 | 0.54 | 0.49 | 0.43 |
| Cash Flow | |||||
| Free Cash Flow | $8.14B | $8.14B | $3.35B | $8.59B | $8.45B |
| Returns | |||||
| ROE | 11.9% | 11.9% | 12.8% | 13.0% | 10.8% |
| Valuation | |||||
| P/E | 14.18 | 14.18 | 9.92 | 8.26 | 10.25 |
| P/B | 1.69 | 1.69 | 1.26 | 1.06 | 1.10 |
| Growth & Yield | |||||
| Revenue Growth | 0.7% | 0.7% | 7.5% | 20.1% | — |
| EPS Growth | -2.4% | -2.4% | 7.7% | 27.0% | — |
| Dividend Yield | 3.6% | 3.6% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
8.4%
EPS terminal req.
$2.08
Spread vs growth
-10.8%
5Y implied EPS CAGR
9.0%
EPS terminal req.
$2.51
Spread vs growth
-11.4%
10Y implied EPS CAGR
9.5%
EPS terminal req.
$4.05
Spread vs growth
-11.9%
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
+47.8%
Start / end P/E
9.7x → 14.4x
EPS bridge
1.67 → 1.63
Residual
-1.1%
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.