Financial Services / Credit ServicesBSE
$1.91
-0.02 (-1.04%)
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 21.0/100
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
50/100
C
Piotroski
3/9
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
$1.4B
P/E
23.9x
↑EV/EBITDA
9.8x
↓ROE
8.5%
↑Gross Margin
90.8%
↑Debt/Equity
0.27
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+42.2%
FCF CAGR
—
FCF margin
-131.9%
FCF / Net income
-1.95x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $212.4M · net income $143.5M · FCF $-280.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $212.4M | $212.4M | $155.6M | $-11.9M | $73.8M |
| Net Income | $143.5M | $143.5M | $113.5M | $-63.6M | $18.1M |
| EBITDA | $185.4M | $185.4M | $126.8M | $-63.2M | $27.5M |
| EPS | 0.20 | 0.20 | 0.19 | -0.11 | 0.03 |
| Gross Margin | 90.8% | 90.8% | 85.0% | 306.7% | 83.0% |
| Operating Margin | 87.0% | 87.0% | 80.2% | 383.0% | 71.5% |
| Net Margin | 67.5% | 67.5% | 72.9% | 535.4% | 24.6% |
| Balance Sheet | |||||
| Debt/Equity | 0.27 | 0.27 | 0.16 | 0.14 | 0.27 |
| Current Ratio | 877.15 | 877.15 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-280.2M | $-280.2M | $100.3M | $-44.8M | $-316.1M |
| Returns | |||||
| ROE | 8.5% | 8.5% | 9.9% | -6.2% | 2.0% |
| Valuation | |||||
| P/E | 23.88 | 23.88 | — | — | — |
| EV/EBITDA | 9.83 | 9.83 | — | — | — |
| P/B | 0.80 | 0.80 | — | — | — |
| Growth & Yield | |||||
| Revenue Growth | 36.5% | 36.5% | 1409.3% | -116.1% | — |
| EPS Growth | 7.3% | 7.3% | 275.0% | -437.0% | — |
| Dividend Yield | 0.5% | 0.5% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-5.4%
EPS terminal req.
$0.17
Spread vs growth
12.7%
5Y implied EPS CAGR
0.5%
EPS terminal req.
$0.21
Spread vs growth
6.8%
10Y implied EPS CAGR
5.1%
EPS terminal req.
$0.33
Spread vs growth
2.2%
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
-16.4%
Start / end P/E
12.3x → 9.5x
EPS bridge
0.19 → 0.20
Residual
-1.7%
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.