Financial Services / Credit ServicesNYSE
$36.68
-0.08 (-0.22%)
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 48.0/100
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
50/100
C
Piotroski
4/9
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
$338M
P/E
7.4x
↓EV/EBITDA
N/A
•ROE
11.9%
↑Gross Margin
N/A
•Debt/Equity
4.52
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+13.2%
FCF CAGR
+14.2%
FCF margin
52.1%
FCF / Net income
6.57x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $560.8M · net income $44.4M · FCF $292.0M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $560.8M | $560.8M | $514.0M | $483.9M | $473.0M | $428.4M | $373.9M | $355.7M | $306.7M | $272.5M | $240.5M | $217.3M | $204.7M | $170.6M | $135.7M | $105.3M | $86.8M |
| Net Income | $44.4M | $44.4M | $41.2M | $16.0M | $51.2M | $88.7M | $26.7M | $44.7M | $35.3M | $30.0M | $24.0M | $23.4M | $14.8M | $28.8M | $24.8M | $21.0M | $16.4M |
| EPS | 4.45 | 4.45 | 4.14 | 1.66 | 5.30 | 8.33 | 2.40 | 3.80 | 2.93 | 2.54 | 1.99 | 1.79 | 1.14 | 2.23 | 2.07 | 2.19 | 1.70 |
| Net Margin | 7.9% | 7.9% | 8.0% | 3.3% | 10.8% | 20.7% | 7.1% | 12.6% | 11.5% | 11.0% | 10.0% | 10.8% | 7.2% | 16.9% | 18.2% | 20.0% | 18.9% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 4.52 | 4.52 | 4.24 | 4.44 | 4.48 | 3.88 | 2.80 | 2.64 | 2.33 | 2.37 | 2.36 | 1.99 | 1.91 | 2.25 | 2.26 | — | — |
| Current Ratio | 40.70 | 40.70 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $292.0M | $292.0M | $251.5M | $237.1M | $212.9M | $185.4M | $161.0M | $152.4M | $140.9M | $110.7M | $93.8M | — | — | $68.4M | $55.7M | $38.9M | $40.0M |
| Returns | |||||||||||||||||
| ROE | 11.9% | 11.9% | 11.5% | 5.0% | 16.6% | 31.4% | 9.8% | 14.8% | 12.7% | 12.5% | 11.6% | 11.4% | 8.3% | 17.9% | 19.2% | 40.4% | 53.2% |
| Valuation | |||||||||||||||||
| P/E | 7.44 | 7.44 | 8.19 | 15.14 | 5.63 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.98 | 0.98 | 0.95 | 0.75 | 0.93 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | 9.1% | 9.1% | 6.2% | 2.3% | — | 14.6% | 5.1% | 16.0% | 12.6% | 13.3% | 10.7% | 6.1% | 20.0% | 25.7% | 28.8% | 21.3% | — |
| EPS Growth | 7.5% | 7.5% | 149.4% | -68.7% | — | 247.1% | -36.8% | 29.7% | 15.4% | 27.6% | 11.2% | 57.0% | -48.9% | 7.7% | -5.5% | 28.8% | — |
| Dividend Yield | 3.3% | 3.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-9.9%
EPS terminal req.
$3.25
Spread vs growth
17.4%
5Y implied EPS CAGR
-2.4%
EPS terminal req.
$3.94
Spread vs growth
9.9%
10Y implied EPS CAGR
3.6%
EPS terminal req.
$6.34
Spread vs growth
3.9%
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
+41.9%
Start / end P/E
6.4x → 8.2x
EPS bridge
4.14 → 4.45
Residual
+2.2%
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.