Financial Services / Banks - RegionalHelsinki
$12.10
-0.24 (-1.93%)
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 51.0/100
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
41/100
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
$402M
P/E
8.4x
↓EV/EBITDA
N/A
•ROE
6.4%
↓Gross Margin
N/A
•Debt/Equity
4.51
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+15.3%
FCF CAGR
—
FCF margin
172.1%
FCF / Net income
9.67x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $221.7M · net income $39.5M · FCF $381.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $221.7M | $221.7M | $270.3M | $247.2M | $144.4M |
| Net Income | $39.5M | $39.5M | $59.5M | $110.1M | $55.4M |
| EPS | 1.18 | 1.18 | 1.78 | 3.47 | 1.83 |
| Net Margin | 17.8% | 17.8% | 22.0% | 44.5% | 38.3% |
| Balance Sheet | |||||
| Debt/Equity | 4.51 | 4.51 | 4.86 | 5.61 | 5.82 |
| Cash Flow | |||||
| Free Cash Flow | $381.6M | $381.6M | $189.3M | $-584.4M | $-128.7M |
| Returns | |||||
| ROE | 6.4% | 6.4% | 10.3% | 20.3% | 15.2% |
| Valuation | |||||
| P/E | 8.40 | 8.40 | 6.12 | 6.22 | 10.21 |
| P/B | 0.65 | 0.65 | 0.63 | 1.27 | 1.55 |
| Growth & Yield | |||||
| Revenue Growth | -18.0% | -18.0% | 9.4% | 71.1% | — |
| EPS Growth | -33.7% | -33.7% | -48.7% | 89.6% | — |
| Dividend Yield | 2.9% | 2.9% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-3.1%
EPS terminal req.
$1.07
Spread vs growth
-30.6%
5Y implied EPS CAGR
1.9%
EPS terminal req.
$1.30
Spread vs growth
-35.7%
10Y implied EPS CAGR
5.9%
EPS terminal req.
$2.09
Spread vs growth
-39.6%
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
+43.4%
Start / end P/E
4.9x → 10.3x
EPS bridge
1.78 → 1.18
Residual
-37.7%
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.