Financial Services / Credit ServicesNYSE
$8.38
-0.11 (-1.30%)
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 0.0/100
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
46/100
C
Piotroski
7/9
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
$1.2B
P/E
4.1x
↓EV/EBITDA
1.3x
↓ROE
45.0%
↑Gross Margin
83.2%
↑Debt/Equity
5.69
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2019–2025 · 6 años de histórico normalizado
Revenue CAGR
+31.6%
FCF CAGR
—
FCF margin
64.0%
FCF / Net income
14.52x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $597.0M · net income $26.3M · FCF $382.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | $597.0M | $597.0M | $526.0M | $508.9M | $452.9M | $263.7M | $200.2M | $114.9M |
| Net Income | $26.3M | $26.3M | $7.3M | $-1.0M | $7.1M | $25.6M | $77.5M | $33.0M |
| EBITDA | $387.7M | $387.7M | $308.6M | $290.5M | $244.8M | $67.6M | $84.2M | $37.3M |
| EPS | 0.99 | 0.99 | 0.36 | -0.06 | 0.05 | 0.48 | 0.00 | 0.00 |
| Gross Margin | 83.2% | 83.2% | 80.0% | 78.9% | 79.0% | — | — | — |
| Operating Margin | 64.1% | 64.1% | 56.8% | 54.6% | 51.1% | 21.7% | 38.7% | 28.7% |
| Net Margin | 4.4% | 4.4% | 1.4% | -0.2% | 1.6% | 9.7% | 38.7% | 28.7% |
| Balance Sheet | ||||||||
| Debt/Equity | 5.69 | 5.69 | 10.13 | 33.45 | -736.07 | -5.53 | — | — |
| Current Ratio | 6.16 | 6.16 | — | — | — | — | — | — |
| Cash Flow | ||||||||
| Free Cash Flow | $382.2M | $382.2M | $310.8M | $287.2M | $230.0M | — | — | — |
| Returns | ||||||||
| ROE | 45.0% | 45.0% | 22.1% | -9.6% | -1436.8% | -282.7% | 1550.3% | — |
| Valuation | ||||||||
| P/E | 4.13 | 4.13 | 23.83 | — | 41.80 | — | — | — |
| EV/EBITDA | 1.30 | 1.30 | 1.44 | 1.34 | 2.14 | — | — | — |
| P/B | 3.80 | 3.80 | 5.27 | 6.77 | — | — | — | — |
| Growth & Yield | ||||||||
| Revenue Growth | 13.5% | 13.5% | 3.3% | 12.4% | — | 31.7% | 74.3% | — |
| EPS Growth | 175.0% | 175.0% | 700.0% | -220.0% | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-9.1%
EPS terminal req.
$0.74
Spread vs growth
184.1%
5Y implied EPS CAGR
-1.9%
EPS terminal req.
$0.90
Spread vs growth
176.9%
10Y implied EPS CAGR
3.9%
EPS terminal req.
$1.45
Spread vs growth
171.1%
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
-33.9%
Start / end P/E
35.2x → 8.5x
EPS bridge
0.36 → 0.99
Residual
-132.9%
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.