Financial Services / Mortgage FinanceNYSE
$33.70
-0.84 (-2.43%)
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 27.0/100
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
31/100
D
Piotroski
6/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
20/100
SEC 0%
Sin guardar todavía.
Market Cap
$284M
P/E
1.7x
↓EV/EBITDA
64.4x
↑ROE
30.2%
↑Gross Margin
48.4%
↓Debt/Equity
24.17
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+7.5%
FCF CAGR
—
FCF margin
-93.5%
FCF / Net income
-5.93x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.20B · net income $189.5M · FCF $-1.12B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $1.20B | $1.20B | $1.07B | $1.14B | $999.5M | $1.05B | $960.9M | $1.12B | $1.06B | $1.19B | $1.39B | $1.74B | $2.11B | $2.04B | $845.2M | $495.9M | $360.4M | $380.7M |
| Net Income | $189.5M | $189.5M | $33.9M | $-63.7M | $25.7M | $18.1M | $-40.2M | $-142.1M | $-70.8M | $-128.0M | $-199.8M | $-247.0M | $-469.8M | $310.4M | $180.9M | $78.3M | $38.0M | $297000.00 |
| EBITDA | $237.5M | $237.5M | $256.1M | $238.8M | $285.5M | — | — | — | — | — | — | — | $98.0M | $761.2M | $487.0M | $260.5M | $131.4M | $151.4M |
| EPS | 21.46 | 21.46 | 4.13 | -8.34 | 2.85 | 1.93 | -4.59 | -15.86 | — | -15.15 | -24.15 | -29.55 | -54.00 | 31.95 | 19.65 | 10.65 | 5.40 | — |
| Gross Margin | 48.4% | 48.4% | 46.3% | 51.1% | 45.9% | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | 19.3% | 19.3% | 23.2% | 19.8% | 27.1% | — | — | — | — | — | — | — | 3.6% | 36.2% | 56.9% | 51.7% | 34.4% | 38.1% |
| Net Margin | 15.8% | 15.8% | 3.2% | -5.6% | 2.6% | 1.7% | -4.2% | -12.7% | -6.7% | -10.7% | -14.4% | -14.2% | -22.3% | 15.2% | 21.4% | 15.8% | 10.5% | 0.1% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 24.17 | 24.17 | 35.18 | 27.21 | 22.90 | — | — | — | — | — | — | 3.19 | 4.02 | 2.29 | 2.06 | — | — | — |
| Current Ratio | 3.19 | 3.19 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $-1.12B | $-1.12B | $-807.0M | $-111.8M | $-31.7M | $-471.7M | $256.9M | $150.0M | $263.6M | $400.0M | $387.7M | $544.2M | $341.1M | $855.5M | $1.80B | $978.3M | $723.7M | $202.9M |
| Returns | ||||||||||||||||||
| ROE | 30.2% | 30.2% | 7.7% | -15.9% | 5.6% | — | — | — | -12.8% | -23.5% | -30.6% | -29.0% | -45.2% | 17.1% | 11.2% | 5.8% | 4.2% | — |
| Valuation | ||||||||||||||||||
| P/E | 1.71 | 1.71 | 7.30 | — | 11.31 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| EV/EBITDA | 64.37 | 64.37 | 61.10 | 45.90 | 36.92 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.46 | 0.46 | 0.56 | 0.58 | 0.63 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 12.4% | 12.4% | -6.6% | 14.5% | — | 9.3% | -14.5% | 5.7% | -11.0% | -13.9% | -20.3% | -17.5% | 3.6% | 141.2% | 70.4% | 37.6% | -5.3% | — |
| EPS Growth | 419.6% | 419.6% | 149.5% | -392.6% | — | 142.0% | 71.1% | — | — | 37.3% | 18.3% | 45.3% | -269.0% | 62.6% | 84.5% | 97.2% | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-48.2%
EPS terminal req.
$2.99
Spread vs growth
467.8%
5Y implied EPS CAGR
-30.0%
EPS terminal req.
$3.62
Spread vs growth
449.6%
10Y implied EPS CAGR
-12.2%
EPS terminal req.
$5.83
Spread vs growth
431.8%
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
-9.1%
Start / end P/E
9.0x → 1.6x
EPS bridge
4.13 → 21.46
Residual
-346.2%
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.