Financial Services / Insurance - Property & CasualtyNYSE
$23.83
-0.16 (-0.67%)
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 15.0/100
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
28/100
D
Piotroski
2/9
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
$1.2B
P/E
18.9x
↑EV/EBITDA
N/A
•ROE
3.8%
↓Gross Margin
N/A
•Debt/Equity
0.32
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2008–2025 · 17 años de histórico normalizado
Revenue CAGR
+3.9%
FCF CAGR
—
FCF margin
-2.7%
FCF / Net income
-0.57x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.08B · net income $50.9M · FCF $-29.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||||
| Revenue | $1.08B | $1.08B | $1.13B | $1.13B | $1.10B | $1.12B | $874.9M | $999.8M | $886.0M | $866.1M | $870.2M | $772.1M | $852.3M | $740.2M | $715.9M | $716.8M | $692.1M | $672.7M | $567.2M |
| Net Income | $50.9M | $50.9M | $52.7M | $-38.6M | $-402000.00 | $144.1M | $-175.7M | $1.0M | $47.1M | $107.3M | $151.1M | $116.2M | $196.6M | $297.5M | $275.5M | $287.1M | $231.6M | $222.0M | $177.7M |
| EPS | 0.99 | 0.99 | 1.03 | -0.73 | -0.01 | 2.67 | -3.26 | 0.02 | 0.88 | 2.00 | 2.83 | 2.11 | 3.30 | 4.80 | 4.46 | 4.65 | 3.60 | 3.35 | 2.61 |
| Net Margin | 4.7% | 4.7% | 4.7% | -3.4% | -0.0% | 12.8% | -20.1% | 0.1% | 5.3% | 12.4% | 17.4% | 15.0% | 23.1% | 40.2% | 38.5% | 40.1% | 33.5% | 33.0% | 31.3% |
| Balance Sheet | |||||||||||||||||||
| Debt/Equity | 0.32 | 0.32 | 0.37 | 0.40 | 0.40 | 0.30 | 0.21 | 0.19 | 0.19 | 0.26 | 0.25 | — | 0.12 | 0.10 | 0.06 | 0.02 | 0.03 | 0.03 | — |
| Current Ratio | 2.06 | 2.06 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||||
| Free Cash Flow | $-29.2M | $-29.2M | $-19.7M | $-54.7M | $-34.2M | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Returns | |||||||||||||||||||
| ROE | 3.8% | 3.8% | 4.4% | -3.5% | -0.0% | 10.1% | -13.0% | 0.1% | 3.1% | 6.7% | 8.4% | 5.9% | 9.1% | 12.4% | 12.1% | 13.3% | 12.5% | 13.0% | 12.5% |
| Valuation | |||||||||||||||||||
| P/E | 18.91 | 18.91 | 15.10 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.91 | 0.91 | 0.66 | 0.62 | 0.87 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||||
| Revenue Growth | -4.1% | -4.1% | -0.2% | 2.6% | — | 28.5% | -12.5% | 12.8% | 2.3% | -0.5% | 12.7% | -9.4% | 15.2% | 3.4% | -0.1% | 3.6% | 2.9% | 18.6% | — |
| EPS Growth | -3.9% | -3.9% | 241.1% | -7200.0% | — | 181.9% | -16400.0% | -97.7% | -56.0% | -29.3% | 34.1% | -36.1% | -31.3% | 7.6% | -4.1% | 29.2% | 7.5% | 28.4% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
28.8%
EPS terminal req.
$2.11
Spread vs growth
-32.7%
5Y implied EPS CAGR
20.9%
EPS terminal req.
$2.56
Spread vs growth
-24.8%
10Y implied EPS CAGR
15.3%
EPS terminal req.
$4.12
Spread vs growth
-19.2%
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
+2.8%
Start / end P/E
22.5x → 24.1x
EPS bridge
1.03 → 0.99
Residual
-0.3%
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.