Financial Services / Credit ServicesNasdaqGS
$5.28
-0.14 (-2.58%)
Book/ROE base 3Y
$9.70
+22.5% CAGR · P/B 1.0x
Book/ROE base 5Y
$11.18
+16.2% base · +21.8% expected
Precio de entrada
$4.96
MOS 22% · confianza 78%
Book/ROE escenarios
audited · book/share $8.15 · 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
29/100
D
Piotroski
6/9
balance/quality
Valuation
98/100
+48.1% upside
5Y CAGR
+21.8%
100/100
Data QA
90/100
SEC 100%
Sin guardar todavía.
Market Cap
$241M
P/E
10.4x
↓EV/EBITDA
N/A
•ROE
6.5%
↓Gross Margin
N/A
•Debt/Equity
7.21
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2017–2025 · 8 años de histórico normalizado
Revenue CAGR
-30.6%
FCF CAGR
+14.6%
FCF margin
1998.9%
FCF / Net income
15.41x
Latest source
SEC-backed
Margin decomposition
Último año: revenue $19.5M · net income $25.2M · FCF $389.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025SEC | 2024SEC | 2023SEC | 2022SEC | 2021SEC | 2020SEC | 2019SEC | 2018SEC | 2017SEC |
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | $19.5M | $19.5M | $22.7M | $25.6M | $31.2M | $813000.00 | $583.7M | $600.1M | $497.6M | $361.0M |
| Net Income | $25.2M | $25.2M | $-78.7M | $-180.0M | $-77.7M | $47.4M | $-45.1M | $61.6M | $123.4M | $-10.2M |
| EPS | 0.53 | 0.53 | -1.95 | -4.88 | -2.37 | 1.56 | -1.65 | 0.40 | 4.47 | -4.22 |
| Net Margin | 129.7% | 129.7% | -347.1% | -703.8% | -249.3% | 5832.0% | -7.7% | 10.3% | 24.8% | -2.8% |
| Balance Sheet | ||||||||||
| Debt/Equity | 7.21 | 7.21 | 7.98 | 7.27 | 5.42 | — | — | — | — | — |
| Current Ratio | 60.01 | 60.01 | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||
| Free Cash Flow | $389.1M | $389.1M | $374.3M | $361.5M | $241.9M | $151.2M | $148.0M | $209.5M | $123.8M | $130.6M |
| Returns | ||||||||||
| ROE | 6.5% | 6.5% | -22.2% | -44.5% | -14.2% | 7.9% | -9.7% | 12.6% | 35.6% | -4.7% |
| Valuation | ||||||||||
| P/E | 10.44 | 10.44 | — | — | — | 3.55 | — | 13.84 | 1.24 | — |
| P/B | 0.68 | 0.68 | 0.63 | 0.50 | 0.33 | 0.28 | 0.32 | 0.12 | 0.06 | 0.06 |
| Growth & Yield | ||||||||||
| Revenue Growth | -14.1% | -14.1% | -11.3% | -18.0% | 3735.9% | -99.9% | -2.7% | 20.6% | 37.9% | — |
| EPS Growth | 127.2% | 127.2% | 60.0% | -105.9% | -251.9% | 194.5% | -512.5% | -91.1% | 205.9% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-4.0%
EPS terminal req.
$0.47
Spread vs growth
131.2%
5Y implied EPS CAGR
1.4%
EPS terminal req.
$0.57
Spread vs growth
125.8%
10Y implied EPS CAGR
5.6%
EPS terminal req.
$0.91
Spread vs growth
121.6%
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
-20.6%
Start / end P/E
n/dx → n/dx
EPS bridge
-1.95 → 0.53
Residual
-20.6%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.