Financial Services / Insurance - Property & CasualtyNasdaqGS
$69.19
-0.98 (-1.40%)
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 34.0/100
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
6/9
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
$1.0B
P/E
16.4x
↑EV/EBITDA
N/A
•ROE
11.1%
↑Gross Margin
N/A
•Debt/Equity
0.07
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+4.8%
FCF CAGR
+7.1%
FCF margin
15.3%
FCF / Net income
1.93x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.25B · net income $99.3M · FCF $192.0M
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 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $1.25B | $1.25B | $1.11B | $925.9M | $785.1M | $884.9M | $846.2M | $877.8M | $836.5M | $839.1M | $819.8M | $798.0M | $778.8M | $745.3M | $703.9M | $660.2M | $612.7M | $592.0M |
| Net Income | $99.3M | $99.3M | $70.7M | $18.9M | $46.6M | $130.7M | $138.2M | $99.6M | $83.2M | $62.4M | $64.6M | $-13.9M | $59.4M | $61.4M | $58.1M | $13.7M | $56.3M | $54.2M |
| EPS | 6.70 | 6.70 | 4.78 | 1.28 | 3.15 | 8.80 | 9.18 | 6.46 | 5.43 | 4.10 | 4.27 | -0.93 | 3.91 | 3.98 | 3.80 | 0.90 | 3.74 | 3.48 |
| Net Margin | 7.9% | 7.9% | 6.4% | 2.0% | 5.9% | 14.8% | 16.3% | 11.3% | 9.9% | 7.4% | 7.9% | -1.7% | 7.6% | 8.2% | 8.3% | 2.1% | 9.2% | 9.1% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.07 | 0.07 | 0.06 | 0.06 | 0.07 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Current Ratio | 0.37 | 0.37 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $192.0M | $192.0M | $124.3M | $50.3M | $42.2M | $133.2M | $99.5M | $102.9M | $116.5M | $76.1M | $93.9M | $18.9M | — | — | $100.1M | $35.1M | $48.8M | $64.1M |
| Returns | ||||||||||||||||||
| ROE | 11.1% | 11.1% | 8.5% | 2.3% | 5.7% | 14.1% | 15.6% | 12.3% | 11.6% | 8.9% | 9.6% | -2.1% | 8.4% | 8.8% | 8.4% | 2.1% | 8.6% | — |
| Valuation | ||||||||||||||||||
| P/E | 16.36 | 16.36 | 17.25 | 58.87 | 27.38 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.14 | 1.14 | 1.46 | 1.38 | 1.56 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 13.0% | 13.0% | 19.8% | 17.9% | — | 4.6% | -3.6% | 4.9% | -0.3% | 2.4% | 2.7% | 2.5% | 4.5% | 5.9% | 6.6% | 7.7% | 3.5% | — |
| EPS Growth | 40.2% | 40.2% | 273.4% | -59.4% | — | -4.1% | 42.1% | 19.0% | 32.4% | -4.0% | 559.1% | -123.8% | -1.8% | 4.7% | 322.2% | -75.9% | 7.5% | — |
| Dividend Yield | 5.3% | 5.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-2.9%
EPS terminal req.
$6.14
Spread vs growth
43.0%
5Y implied EPS CAGR
2.1%
EPS terminal req.
$7.43
Spread vs growth
38.1%
10Y implied EPS CAGR
6.0%
EPS terminal req.
$11.96
Spread vs growth
34.2%
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
-10.5%
Start / end P/E
17.2x → 10.3x
EPS bridge
4.78 → 6.70
Residual
-16.0%
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.