Financial Services / Credit ServicesNasdaqGM
$16.81
-0.16 (-0.94%)
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
43/100
C
Piotroski
4/9
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
$193M
P/E
16.5x
↑EV/EBITDA
6.2x
↓ROE
-86.3%
↓Gross Margin
31.3%
↓Debt/Equity
-17.26
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2013–2025 · 12 años de histórico normalizado
Revenue CAGR
+8.9%
FCF CAGR
+9.2%
FCF margin
7.6%
FCF / Net income
2.76x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $543.5M · net income $14.9M · FCF $41.3M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||
| Revenue | $543.5M | $543.5M | $480.6M | $444.5M | $475.7M | $375.1M | $312.2M | $278.1M | $255.8M | $254.9M | $308.7M | $374.1M | $261.0M | $196.4M |
| Net Income | $14.9M | $14.9M | $19.5M | $24.0M | $36.5M | $15.9M | $16.1M | $-5.1M | $-37.5M | $-22.0M | $5.4M | $30.9M | $13.3M | $8.6M |
| EBITDA | $77.3M | $77.3M | $79.2M | $77.5M | $93.6M | $74.6M | $55.2M | $42.0M | $23.0M | $-2.4M | $45.9M | $83.7M | $47.7M | $37.7M |
| EPS | 1.25 | 1.25 | 1.64 | 2.01 | 3.11 | 1.36 | 1.44 | -0.46 | — | — | — | — | — | — |
| Gross Margin | 31.3% | 31.3% | 35.6% | 35.0% | 36.9% | 37.7% | 35.3% | 32.8% | 30.7% | 26.8% | 33.0% | 36.3% | 31.3% | 30.3% |
| Operating Margin | 10.1% | 10.1% | 13.1% | 13.9% | 16.6% | 15.9% | 12.3% | 8.9% | 1.8% | -7.6% | 9.4% | 18.1% | 13.2% | 13.3% |
| Net Margin | 2.8% | 2.8% | 4.1% | 5.4% | 7.7% | 4.2% | 5.2% | -1.8% | -14.6% | -8.6% | 1.7% | 8.2% | 5.1% | 4.4% |
| Balance Sheet | ||||||||||||||
| Debt/Equity | -17.26 | -17.26 | -8.13 | -5.24 | -3.55 | -2.51 | -2.38 | -1.99 | -2.03 | -2.54 | -3.17 | -3.46 | -7.95 | — |
| Current Ratio | 2.54 | 2.54 | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||
| Free Cash Flow | $41.3M | $41.3M | $34.1M | $27.6M | $13.5M | $10.2M | — | — | — | $-4.8M | $45.7M | $25.3M | $9.7M | $14.4M |
| Returns | ||||||||||||||
| ROE | -86.3% | -86.3% | -54.8% | -46.2% | -44.5% | -13.2% | -11.7% | 3.3% | 24.8% | 18.4% | -5.7% | -35.6% | -61.3% | -23.3% |
| Valuation | ||||||||||||||
| P/E | 16.48 | 16.48 | 19.54 | 9.49 | 11.90 | — | — | — | — | — | — | — | — | — |
| EV/EBITDA | 6.18 | 6.18 | 8.04 | 6.28 | 7.64 | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||
| Revenue Growth | 13.1% | 13.1% | 8.1% | -6.6% | — | 20.2% | 12.3% | 8.7% | 0.4% | -17.4% | -17.5% | 43.3% | 32.9% | — |
| EPS Growth | -23.8% | -23.8% | -18.4% | -35.4% | — | -5.6% | 413.0% | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
6.1%
EPS terminal req.
$1.49
Spread vs growth
-29.8%
5Y implied EPS CAGR
7.6%
EPS terminal req.
$1.80
Spread vs growth
-31.4%
10Y implied EPS CAGR
8.8%
EPS terminal req.
$2.91
Spread vs growth
-32.6%
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
-24.5%
Start / end P/E
13.6x → 13.4x
EPS bridge
1.64 → 1.25
Residual
+0.2%
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.