Financial Services / Credit ServicesNasdaqGS
$14.76
-0.50 (-3.28%)
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 25.0/100
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
19/100
F
Piotroski
3/9
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
$563M
P/E
N/A
•EV/EBITDA
N/A
•ROE
-31.1%
↓Gross Margin
63.2%
↑Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2008–2025 · 17 años de histórico normalizado
Revenue CAGR
+9.4%
FCF CAGR
—
FCF margin
-7.4%
FCF / Net income
0.30x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.21B · net income $-305.1M · FCF $-90.4M
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 | $1.21B | $1.21B | $1.12B | $802.6M | $966.5M | $14.7M | $9.7M | $15.8M | $14.9M | $24.9M | $77.4M | $942.0M | $881.0M | $735.1M | $592.8M | $458.9M | $372.7M | $281.1M | $263.3M |
| Net Income | $-305.1M | $-305.1M | $70.6M | $-83.5M | $117.1M | $183.2M | $149.3M | $86.2M | $65.6M | $164.3M | $86.3M | $167.9M | $176.5M | $175.3M | $126.6M | $100.8M | $73.5M | $44.3M | $45.4M |
| EBITDA | $-127.7M | $-127.7M | $209.1M | $-62.6M | $170.4M | $390.1M | $365.3M | $263.6M | $200.4M | $229.1M | $237.9M | $326.5M | $355.7M | $307.2M | $224.8M | $186.1M | $137.1M | $87.1M | $92.3M |
| EPS | -7.79 | -7.79 | 1.79 | -2.13 | 2.94 | 4.04 | 3.26 | 1.89 | 1.44 | 3.59 | 1.86 | 3.47 | 3.50 | 3.45 | 2.46 | 1.95 | 1.45 | 0.96 | 0.99 |
| Gross Margin | 63.2% | 63.2% | 61.0% | 41.4% | 56.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | 20.1% | 20.1% | 18.7% | -10.1% | 16.0% | 2551.2% | 3587.4% | 1570.7% | 1242.0% | 857.8% | 284.0% | 32.9% | 38.8% | 40.5% | 36.4% | 38.8% | 34.8% | 28.7% | 32.2% |
| Net Margin | -25.1% | -25.1% | 6.3% | -10.4% | 12.1% | 1246.1% | 1532.0% | 546.4% | 439.5% | 659.5% | 111.5% | 17.8% | 20.0% | 23.8% | 21.4% | 22.0% | 19.7% | 15.8% | 17.2% |
| Balance Sheet | |||||||||||||||||||
| Debt/Equity | — | — | — | — | — | — | — | — | — | — | 2.10 | — | — | — | 0.28 | 0.00 | 0.00 | — | — |
| Current Ratio | 22.39 | 22.39 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||||
| Free Cash Flow | $-90.4M | $-90.4M | $-98.6M | $-100.4M | $8.3M | $73.7M | $124.5M | $115.4M | $60.3M | $-7.4M | $191.7M | $188.5M | $243.5M | $209.3M | $124.3M | $163.4M | $134.0M | $80.8M | $75.6M |
| Returns | |||||||||||||||||||
| ROE | -31.1% | -31.1% | 6.2% | -7.2% | 9.5% | 14.2% | 11.1% | 7.4% | 6.0% | 15.1% | 10.0% | 21.0% | 19.6% | 20.2% | 17.9% | 16.9% | 15.0% | 13.2% | 16.0% |
| Valuation | |||||||||||||||||||
| P/E | — | — | 11.47 | — | 11.82 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| EV/EBITDA | — | — | 3.38 | — | 7.65 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.59 | 0.59 | 0.72 | 0.82 | 1.13 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||||
| Revenue Growth | 8.0% | 8.0% | 40.0% | -17.0% | — | 50.8% | -38.2% | 5.7% | -40.1% | -67.8% | -91.8% | 6.9% | 19.8% | 24.0% | 29.2% | 23.1% | 32.6% | 6.8% | — |
| EPS Growth | -535.2% | -535.2% | 184.0% | -172.4% | — | 23.9% | 72.5% | 31.3% | -59.9% | 93.0% | -46.4% | -0.9% | 1.4% | 40.2% | 26.2% | 34.5% | 51.6% | -3.4% | — |
Revenue, Net Income & Free Cash Flow ($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
+4.0%
Start / end P/E
n/dx → n/dx
EPS bridge
1.79 → -7.79
Residual
+4.0%
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.