Financial Services / Banks - RegionalSão Paulo
$10.84
-0.19 (-1.72%)
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 83.0/100
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
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
$316.2B
P/E
19.7x
↑EV/EBITDA
N/A
•ROE
25.4%
↑Gross Margin
N/A
•Debt/Equity
0.17
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+52.9%
FCF CAGR
+70.2%
FCF margin
29.7%
FCF / Net income
1.10x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $10.63B · net income $2.87B · FCF $3.16B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $10.63B | $10.63B | $8.27B | $5.63B | $2.97B |
| Net Income | $2.87B | $2.87B | $1.97B | $1.03B | $-364.6M |
| EPS | 0.10 | 0.10 | 0.07 | 0.04 | -0.01 |
| Net Margin | 27.0% | 27.0% | 23.8% | 18.3% | -12.3% |
| Balance Sheet | |||||
| Debt/Equity | 0.17 | 0.17 | 0.08 | 0.15 | 0.12 |
| Cash Flow | |||||
| Free Cash Flow | $3.16B | $3.16B | $2.22B | $1.09B | $641.3M |
| Returns | |||||
| ROE | 25.4% | 25.4% | 25.8% | 16.1% | -7.5% |
| Valuation | |||||
| P/E | 19.71 | 19.71 | 167.48 | 200.00 | — |
| P/B | 28.27 | 28.27 | 43.20 | 32.16 | — |
| Growth & Yield | |||||
| Revenue Growth | 28.5% | 28.5% | 46.8% | 89.6% | — |
| EPS Growth | 44.9% | 44.9% | 90.2% | 371.9% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
114.5%
EPS terminal req.
$0.96
Spread vs growth
-69.6%
5Y implied EPS CAGR
64.2%
EPS terminal req.
$1.16
Spread vs growth
-19.3%
10Y implied EPS CAGR
34.4%
EPS terminal req.
$1.87
Spread vs growth
10.5%
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
-4.5%
Start / end P/E
168.8x → 111.3x
EPS bridge
0.07 → 0.10
Residual
-15.3%
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.