Financial Services / Credit ServicesBSE
$44.08
-2.32 (-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 26.0/100
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
33/100
D
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
$559M
P/E
12.4x
↓EV/EBITDA
35.6x
↑ROE
9.8%
↑Gross Margin
36.4%
↓Debt/Equity
3.50
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+126.8%
FCF CAGR
—
FCF margin
-92.7%
FCF / Net income
-5.71x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $283.9M · net income $46.1M · FCF $-263.3M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $283.9M | $283.9M | $186.5M | $101.9M | $24.3M |
| Net Income | $46.1M | $46.1M | $26.3M | $26.2M | $14.5M |
| EBITDA | $61.8M | $61.8M | $44.1M | $38.3M | $19.7M |
| EPS | 3.57 | 3.57 | 2.07 | 2.06 | 1.14 |
| Gross Margin | 36.4% | 36.4% | 37.8% | 51.0% | 93.5% |
| Operating Margin | 21.2% | 21.2% | 23.6% | 39.9% | 80.9% |
| Net Margin | 16.2% | 16.2% | 14.1% | 25.7% | 59.7% |
| Balance Sheet | |||||
| Debt/Equity | 3.50 | 3.50 | 3.33 | 2.21 | 0.01 |
| Cash Flow | |||||
| Free Cash Flow | $-263.3M | $-263.3M | $-500.2M | $-878.8M | $4.2M |
| Returns | |||||
| ROE | 9.8% | 9.8% | 6.3% | 6.7% | 4.0% |
| Valuation | |||||
| P/E | 12.42 | 12.42 | — | — | — |
| EV/EBITDA | 35.60 | 35.60 | — | — | — |
| P/B | 1.21 | 1.21 | — | — | — |
| Growth & Yield | |||||
| Revenue Growth | 52.2% | 52.2% | 83.0% | 318.8% | — |
| EPS Growth | 72.5% | 72.5% | 0.5% | 80.7% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.1%
EPS terminal req.
$3.91
Spread vs growth
69.4%
5Y implied EPS CAGR
5.8%
EPS terminal req.
$4.73
Spread vs growth
66.7%
10Y implied EPS CAGR
7.9%
EPS terminal req.
$7.62
Spread vs growth
64.6%
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
-19.7%
Start / end P/E
26.5x → 12.3x
EPS bridge
2.07 → 3.57
Residual
-38.7%
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.