Financial Services / Insurance - Property & CasualtyNasdaqGS
$57.42
+5.36 (+10.30%)
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 0.0/100
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
47/100
C
Piotroski
7/9
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
$909M
P/E
17.0x
↑EV/EBITDA
N/A
•ROE
14.2%
↑Gross Margin
N/A
•Debt/Equity
0.70
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2018–2025 · 7 años de histórico normalizado
Revenue CAGR
+66.2%
FCF CAGR
—
FCF margin
12.7%
FCF / Net income
4.77x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.52B · net income $40.3M · FCF $192.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | $1.52B | $1.52B | $1.18B | $455.0M | $310.8M | $345.4M | $346.8M | $290.2M | $43.3M |
| Net Income | $40.3M | $40.3M | $30.9M | $-147.4M | $-297.7M | $-521.1M | $-363.0M | $-282.4M | $-69.1M |
| EBITDA | — | — | — | — | — | $-468.6M | $-269.7M | $-255.2M | — |
| EPS | 2.36 | 2.36 | 1.83 | -10.24 | -21.11 | -37.76 | -86.43 | -149.94 | — |
| Operating Margin | — | — | — | — | — | -140.5% | -82.3% | -89.6% | — |
| Net Margin | 2.7% | 2.7% | 2.6% | -32.4% | -95.8% | -150.9% | -104.7% | -97.3% | -159.6% |
| Balance Sheet | |||||||||
| Debt/Equity | 0.70 | 0.70 | 0.98 | 1.80 | 1.07 | 0.00 | 0.18 | -0.51 | — |
| Current Ratio | 1.98 | 1.98 | — | — | — | — | — | — | — |
| Cash Flow | |||||||||
| Free Cash Flow | $192.4M | $192.4M | $183.9M | $-43.0M | $-220.7M | $-408.0M | $-289.0M | $-133.8M | $-27.3M |
| Returns | |||||||||
| ROE | 14.2% | 14.2% | 15.2% | -89.0% | -107.4% | -97.1% | -35.2% | 75.5% | 67.3% |
| Valuation | |||||||||
| P/E | 16.99 | 16.99 | 41.16 | — | — | — | — | — | — |
| P/B | 3.45 | 3.45 | 6.25 | 0.93 | 0.22 | — | — | — | — |
| Growth & Yield | |||||||||
| Revenue Growth | 29.0% | 29.0% | 158.6% | 46.4% | — | -0.4% | 19.5% | 570.2% | — |
| EPS Growth | 29.0% | 29.0% | 117.9% | 51.5% | — | 56.3% | 42.4% | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
29.2%
EPS terminal req.
$5.10
Spread vs growth
-0.3%
5Y implied EPS CAGR
21.2%
EPS terminal req.
$6.17
Spread vs growth
7.8%
10Y implied EPS CAGR
15.5%
EPS terminal req.
$9.93
Spread vs growth
13.5%
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
-56.2%
Start / end P/E
71.6x → 24.3x
EPS bridge
1.83 → 2.36
Residual
-19.1%
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.