Financial Services / Credit ServicesBSE
$82.00
-0.12 (-0.15%)
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 42.0/100
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
46/100
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
$2.5B
P/E
19.0x
↑EV/EBITDA
11.9x
↓ROE
10.4%
↑Gross Margin
84.1%
↑Debt/Equity
0.24
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+16.2%
FCF CAGR
—
FCF margin
-80.5%
FCF / Net income
-1.74x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $345.9M · net income $160.0M · FCF $-278.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $345.9M | $345.9M | $323.1M | $274.0M | $220.5M |
| Net Income | $160.0M | $160.0M | $119.7M | $83.8M | $60.2M |
| EBITDA | $243.2M | $243.2M | $200.2M | $162.9M | $129.6M |
| EPS | 4.32 | 4.32 | 4.47 | 3.83 | 2.88 |
| Gross Margin | 84.1% | 84.1% | 80.6% | 80.9% | 78.2% |
| Operating Margin | 72.5% | 72.5% | 65.7% | 65.5% | 63.6% |
| Net Margin | 46.3% | 46.3% | 37.0% | 30.6% | 27.3% |
| Balance Sheet | |||||
| Debt/Equity | 0.24 | 0.24 | 0.60 | 0.70 | 0.98 |
| Current Ratio | 53.90 | 53.90 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-278.6M | $-278.6M | $24.1M | $-48.1M | $18.3M |
| Returns | |||||
| ROE | 10.4% | 10.4% | 12.4% | 10.7% | 10.4% |
| Valuation | |||||
| P/E | 18.97 | 18.97 | 121.44 | 36.70 | 70.72 |
| EV/EBITDA | 11.91 | 11.91 | 78.80 | 24.79 | 35.85 |
| P/B | 1.64 | 1.64 | 15.70 | 4.46 | 7.08 |
| Growth & Yield | |||||
| Revenue Growth | 7.1% | 7.1% | 17.9% | 24.2% | — |
| EPS Growth | -3.3% | -3.3% | 16.6% | 32.9% | — |
| Dividend Yield | 0.5% | 0.5% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
19.0%
EPS terminal req.
$7.28
Spread vs growth
-22.3%
5Y implied EPS CAGR
15.3%
EPS terminal req.
$8.80
Spread vs growth
-18.6%
10Y implied EPS CAGR
12.6%
EPS terminal req.
$14.18
Spread vs growth
-15.9%
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
-84.3%
Start / end P/E
120.5x → 19.0x
EPS bridge
4.47 → 4.32
Residual
+2.8%
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.