Financial Services / Credit ServicesNasdaqGS
$16.91
+0.83 (+5.16%)
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 92.0/100
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
52/100
C
Piotroski
4/9
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
$2.1B
P/E
3.0x
↓EV/EBITDA
N/A
•ROE
24.8%
↑Gross Margin
N/A
•Debt/Equity
0.16
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+4.9%
FCF CAGR
+22.5%
FCF margin
67.4%
FCF / Net income
1.81x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $16.08B · net income $5.99B · FCF $10.84B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $16.08B | $16.08B | $14.04B | $13.41B | $13.95B |
| Net Income | $5.99B | $5.99B | $6.26B | $4.29B | $4.02B |
| EPS | 44.02 | 44.02 | 41.28 | 26.08 | 25.00 |
| Net Margin | 37.2% | 37.2% | 44.6% | 32.0% | 28.9% |
| Balance Sheet | |||||
| Debt/Equity | 0.16 | 0.16 | 0.06 | 0.04 | 0.01 |
| Current Ratio | 2.22 | 2.22 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $10.84B | $10.84B | $9.19B | $7.03B | $5.90B |
| Returns | |||||
| ROE | 24.8% | 24.8% | 25.9% | 19.5% | 21.4% |
| Valuation | |||||
| P/E | 2.97 | 2.97 | 0.94 | 0.58 | 0.92 |
| P/B | 0.10 | 0.10 | 0.24 | 0.11 | 0.20 |
| Growth & Yield | |||||
| Revenue Growth | 14.6% | 14.6% | 4.7% | -3.9% | — |
| EPS Growth | 6.6% | 6.6% | 58.3% | 4.3% | — |
| Dividend Yield | 9.1% | 9.1% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-67.6%
EPS terminal req.
$1.50
Spread vs growth
74.2%
5Y implied EPS CAGR
-47.1%
EPS terminal req.
$1.82
Spread vs growth
53.8%
10Y implied EPS CAGR
-23.8%
EPS terminal req.
$2.92
Spread vs growth
30.4%
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
-49.7%
Start / end P/E
1.0x → 0.4x
EPS bridge
41.28 → 44.02
Residual
-4.1%
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.