Financial Services / Credit ServicesFrankfurt
$1.60
-0.04 (-2.44%)
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 100.0/100
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
33/100
D
Piotroski
1/9
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
$187M
P/E
6.4x
↓EV/EBITDA
6.8x
↓ROE
25.4%
↑Gross Margin
50.2%
↓Debt/Equity
4.90
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+12.5%
FCF CAGR
—
FCF margin
-25.6%
FCF / Net income
-2.79x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $250.0M · net income $22.9M · FCF $-64.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $250.0M | $250.0M | $216.6M | $189.3M | $175.7M |
| Net Income | $22.9M | $22.9M | $23.5M | $20.1M | $15.3M |
| EBITDA | $85.9M | $85.9M | $86.4M | $82.7M | $79.7M |
| EPS | — | — | 0.20 | 0.17 | 0.13 |
| Gross Margin | 50.2% | 50.2% | 58.5% | 60.9% | 63.9% |
| Operating Margin | 30.2% | 30.2% | 35.4% | 38.7% | 40.8% |
| Net Margin | 9.2% | 9.2% | 10.9% | 10.6% | 8.7% |
| Balance Sheet | |||||
| Debt/Equity | 4.90 | 4.90 | 3.66 | 6.32 | 6.40 |
| Current Ratio | 11.73 | 11.73 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-64.0M | $-64.0M | $10.5M | $9.2M | $-5.6M |
| Returns | |||||
| ROE | 25.4% | 25.4% | 25.4% | 37.5% | 33.6% |
| Valuation | |||||
| P/E | 6.40 | 6.40 | 8.00 | — | — |
| EV/EBITDA | 6.81 | 6.81 | 5.71 | — | — |
| P/B | 2.03 | 2.03 | 2.03 | — | — |
| Growth & Yield | |||||
| Revenue Growth | 15.4% | 15.4% | 14.4% | 7.8% | — |
| EPS Growth | — | — | 16.4% | 31.7% | — |
| Dividend Yield | 12.8% | 12.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+11.5%
Start / end P/E
n/dx → n/dx
EPS bridge
0.20 → n/d
Residual
-1.2%
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.