Financial Services / Credit ServicesBSE
$41.83
-0.47 (-1.11%)
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 61.0/100
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
41/100
C
Piotroski
8/9
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
$291M
P/E
9.1x
↓EV/EBITDA
26.3x
↑ROE
16.9%
↑Gross Margin
35.0%
↓Debt/Equity
4.86
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+25.1%
FCF CAGR
+115.9%
FCF margin
28.3%
FCF / Net income
1.51x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $164.0M · net income $30.7M · FCF $46.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $164.0M | $164.0M | $140.4M | $115.5M | $83.8M |
| Net Income | $30.7M | $30.7M | $26.5M | $17.6M | $13.0M |
| EBITDA | $43.6M | $43.6M | $36.0M | $25.7M | $19.2M |
| EPS | 4.41 | 4.41 | 3.82 | 2.53 | 1.87 |
| Gross Margin | 35.0% | 35.0% | 33.5% | 32.0% | 35.0% |
| Operating Margin | 24.8% | 24.8% | 23.9% | 20.4% | 21.9% |
| Net Margin | 18.7% | 18.7% | 18.9% | 15.2% | 15.6% |
| Balance Sheet | |||||
| Debt/Equity | 4.86 | 4.86 | 5.16 | 5.28 | 4.80 |
| Current Ratio | 76.81 | 76.81 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $46.4M | $46.4M | $-19.0M | $14.1M | $4.6M |
| Returns | |||||
| ROE | 16.9% | 16.9% | 17.2% | 13.4% | 11.2% |
| Valuation | |||||
| P/E | 9.11 | 9.11 | 16.43 | 14.66 | 11.76 |
| EV/EBITDA | 26.34 | 26.34 | 33.90 | 36.36 | 36.73 |
| P/B | 1.61 | 1.61 | 2.82 | 1.97 | 1.32 |
| Growth & Yield | |||||
| Revenue Growth | 16.8% | 16.8% | 21.6% | 37.8% | — |
| EPS Growth | 15.4% | 15.4% | 51.0% | 35.3% | — |
| Dividend Yield | 1.4% | 1.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-5.6%
EPS terminal req.
$3.71
Spread vs growth
21.0%
5Y implied EPS CAGR
0.4%
EPS terminal req.
$4.49
Spread vs growth
15.1%
10Y implied EPS CAGR
5.1%
EPS terminal req.
$7.23
Spread vs growth
10.4%
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
-20.8%
Start / end P/E
14.1x → 9.5x
EPS bridge
3.82 → 4.41
Residual
-5.0%
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.