Financial Services / Credit ServicesASX
$1.70
-0.00 (-0.29%)
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 51.0/100
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
25/100
D
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
$764M
P/E
7.4x
↓EV/EBITDA
N/A
•ROE
12.0%
↑Gross Margin
N/A
•Debt/Equity
19.97
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-2.2%
FCF CAGR
—
FCF margin
-180.1%
FCF / Net income
-6.89x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $400.1M · net income $104.6M · FCF $-720.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $400.1M | $400.1M | $403.1M | $387.3M | $427.8M |
| Net Income | $104.6M | $104.6M | $98.8M | $110.7M | $141.0M |
| EPS | 0.23 | 0.23 | 0.21 | 0.25 | 0.31 |
| Net Margin | 26.1% | 26.1% | 24.5% | 28.6% | 33.0% |
| Balance Sheet | |||||
| Debt/Equity | 19.97 | 19.97 | 19.25 | 23.33 | 23.67 |
| Current Ratio | 273.67 | 273.67 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-720.5M | $-720.5M | $2.59B | $91.2M | $-2.31B |
| Returns | |||||
| ROE | 12.0% | 12.0% | 11.5% | 13.4% | 17.6% |
| Valuation | |||||
| P/E | 7.39 | 7.39 | 6.79 | 5.06 | 4.80 |
| P/B | 0.90 | 0.90 | 0.78 | 0.67 | 0.84 |
| Growth & Yield | |||||
| Revenue Growth | -0.7% | -0.7% | 4.1% | -9.5% | — |
| EPS Growth | 6.0% | 6.0% | -13.6% | -21.2% | — |
| Dividend Yield | 8.4% | 8.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-12.6%
EPS terminal req.
$0.15
Spread vs growth
18.7%
5Y implied EPS CAGR
-4.2%
EPS terminal req.
$0.18
Spread vs growth
10.3%
10Y implied EPS CAGR
2.7%
EPS terminal req.
$0.29
Spread vs growth
3.4%
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
+0.2%
Start / end P/E
8.7x → 7.5x
EPS bridge
0.21 → 0.23
Residual
-0.8%
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.