Financial Services / Mortgage FinanceBSE
$42.15
+0.37 (+0.89%)
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 11.0/100
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
44/100
C
Piotroski
6/9
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
$295M
P/E
62.9x
↑EV/EBITDA
39.5x
↑ROE
1.2%
↓Gross Margin
29.6%
↓Debt/Equity
0.43
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-13.7%
FCF CAGR
+101.2%
FCF margin
319.4%
FCF / Net income
37.10x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $75.3M · net income $6.5M · FCF $240.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $75.3M | $75.3M | $89.9M | $99.0M | $117.0M |
| Net Income | $6.5M | $6.5M | $14.0M | $14.2M | $17.8M |
| EBITDA | $12.3M | $12.3M | $23.6M | $27.0M | $27.8M |
| EPS | 0.93 | 0.93 | 2.01 | 2.03 | 2.55 |
| Gross Margin | 29.6% | 29.6% | 29.5% | 28.1% | 36.2% |
| Operating Margin | -4.6% | -4.6% | 3.5% | 5.3% | 18.2% |
| Net Margin | 8.6% | 8.6% | 15.6% | 14.3% | 15.3% |
| Balance Sheet | |||||
| Debt/Equity | 0.43 | 0.43 | 0.88 | 0.98 | 1.22 |
| Current Ratio | 630.21 | 630.21 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $240.5M | $240.5M | $37.5M | $101.3M | $29.6M |
| Returns | |||||
| ROE | 1.2% | 1.2% | 2.7% | 2.8% | 3.7% |
| Valuation | |||||
| P/E | 62.91 | 62.91 | 19.40 | 23.11 | 17.22 |
| EV/EBITDA | 39.55 | 39.55 | 29.69 | 29.28 | 31.08 |
| P/B | 0.56 | 0.56 | 0.53 | 0.65 | 0.63 |
| Growth & Yield | |||||
| Revenue Growth | -16.2% | -16.2% | -9.2% | -15.4% | — |
| EPS Growth | -53.7% | -53.7% | -1.0% | -20.4% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
59.0%
EPS terminal req.
$3.74
Spread vs growth
-112.8%
5Y implied EPS CAGR
37.2%
EPS terminal req.
$4.53
Spread vs growth
-91.0%
10Y implied EPS CAGR
22.9%
EPS terminal req.
$7.29
Spread vs growth
-76.6%
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
+3.5%
Start / end P/E
20.3x → 45.3x
EPS bridge
2.01 → 0.93
Residual
-66.5%
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.