Financial Services / Credit ServicesBSE
$71.16
+3.32 (+5.00%)
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 14.0/100
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
51/100
C
Piotroski
3/9
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
$191M
P/E
37.3x
↑EV/EBITDA
28.1x
↑ROE
8.7%
↑Gross Margin
57.1%
↑Debt/Equity
0.14
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+6.0%
FCF CAGR
—
FCF margin
-103.5%
FCF / Net income
-1.65x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $8.3M · net income $5.2M · FCF $-8.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $8.3M | $8.3M | $6.7M | $7.6M | $6.9M |
| Net Income | $5.2M | $5.2M | $669000.00 | $1.9M | $1.8M |
| EBITDA | $7.0M | $7.0M | $2.5M | $3.3M | $-4.0M |
| EPS | 1.93 | 1.93 | 0.25 | 0.71 | 0.69 |
| Gross Margin | 57.1% | 57.1% | 58.8% | 32.3% | -14.1% |
| Operating Margin | 14.8% | 14.8% | -22.8% | -22.2% | -73.5% |
| Net Margin | 62.6% | 62.6% | 10.0% | 24.9% | 26.5% |
| Balance Sheet | |||||
| Debt/Equity | 0.14 | 0.14 | 0.01 | 0.02 | 0.09 |
| Cash Flow | |||||
| Free Cash Flow | $-8.6M | $-8.6M | $5.8M | $4.3M | $-8.8M |
| Returns | |||||
| ROE | 8.7% | 8.7% | 1.2% | 3.5% | 3.5% |
| Valuation | |||||
| P/E | 37.26 | 37.26 | — | — | — |
| EV/EBITDA | 28.11 | 28.11 | — | — | — |
| P/B | 3.21 | 3.21 | — | — | — |
| Growth & Yield | |||||
| Revenue Growth | 24.1% | 24.1% | -12.7% | 10.0% | — |
| EPS Growth | 672.0% | 672.0% | -64.8% | 2.9% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
48.5%
EPS terminal req.
$6.31
Spread vs growth
623.5%
5Y implied EPS CAGR
31.7%
EPS terminal req.
$7.64
Spread vs growth
640.3%
10Y implied EPS CAGR
20.4%
EPS terminal req.
$12.30
Spread vs growth
651.6%
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
+927.4%
Start / end P/E
27.2x → 36.1x
EPS bridge
0.25 → 1.93
Residual
+222.3%
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.