Financial Services / Credit ServicesToronto
$22.50
-0.32 (-1.40%)
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 90.0/100
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
44/100
C
Piotroski
5/9
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
$886M
P/E
12.1x
↓EV/EBITDA
N/A
•ROE
22.8%
↑Gross Margin
N/A
•Debt/Equity
1.30
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+36.9%
FCF CAGR
—
FCF margin
-6.4%
FCF / Net income
-0.60x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $555.5M · net income $59.5M · FCF $-35.7M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $555.5M | $555.5M | $416.0M | $293.9M | $216.6M |
| Net Income | $59.5M | $59.5M | $46.4M | $27.8M | $15.1M |
| EPS | 1.41 | 1.41 | 1.22 | 0.76 | 0.42 |
| Net Margin | 10.7% | 10.7% | 11.1% | 9.5% | 7.0% |
| Balance Sheet | |||||
| Debt/Equity | 1.30 | 1.30 | 1.31 | 1.99 | 1.86 |
| Current Ratio | 9.13 | 9.13 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-35.7M | $-35.7M | $-61.2M | $-32.6M | $-90.6M |
| Returns | |||||
| ROE | 22.8% | 22.8% | 22.1% | 27.4% | 18.5% |
| Valuation | |||||
| P/E | 12.10 | 12.10 | 30.25 | 16.72 | 16.69 |
| P/B | 3.64 | 3.64 | 6.68 | 4.60 | 3.07 |
| Growth & Yield | |||||
| Revenue Growth | 33.5% | 33.5% | 41.6% | 35.7% | — |
| EPS Growth | 15.6% | 15.6% | 60.5% | 81.0% | — |
| Dividend Yield | 3.8% | 3.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
12.3%
EPS terminal req.
$2.00
Spread vs growth
3.3%
5Y implied EPS CAGR
11.4%
EPS terminal req.
$2.42
Spread vs growth
4.2%
10Y implied EPS CAGR
10.7%
EPS terminal req.
$3.89
Spread vs growth
4.9%
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
-26.3%
Start / end P/E
26.4x → 16.0x
EPS bridge
1.22 → 1.41
Residual
-6.2%
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.