Financial Services / Credit ServicesBSE
$38.00
-2.94 (-7.21%)
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 10.0/100
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
36/100
D
Piotroski
8/9
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
$413M
P/E
7.4x
↓EV/EBITDA
19.2x
↑ROE
14.0%
↑Gross Margin
37.4%
↓Debt/Equity
1.92
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+2.1%
FCF CAGR
—
FCF margin
101.0%
FCF / Net income
2.72x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $166.5M · net income $61.8M · FCF $168.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $166.5M | $166.5M | $152.2M | $180.2M | $156.2M |
| Net Income | $61.8M | $61.8M | $20.0M | $-875000.00 | $-81.3M |
| EBITDA | $61.8M | $61.8M | $26.0M | $23.6M | $-92.2M |
| EPS | 5.68 | 5.68 | 1.84 | -0.08 | -7.47 |
| Gross Margin | 37.4% | 37.4% | 28.9% | 13.6% | -17.1% |
| Operating Margin | 37.0% | 37.0% | 16.9% | -31.5% | -20.4% |
| Net Margin | 37.1% | 37.1% | 13.2% | -0.5% | -52.0% |
| Balance Sheet | |||||
| Debt/Equity | 1.92 | 1.92 | 2.65 | 2.74 | 5.87 |
| Cash Flow | |||||
| Free Cash Flow | $168.2M | $168.2M | $13.8M | $1.13B | $-463.8M |
| Returns | |||||
| ROE | 14.0% | 14.0% | 5.4% | -0.2% | -22.9% |
| Valuation | |||||
| P/E | 7.41 | 7.41 | — | — | — |
| EV/EBITDA | 19.16 | 19.16 | — | — | — |
| P/B | 0.94 | 0.94 | — | — | — |
| Growth & Yield | |||||
| Revenue Growth | 9.4% | 9.4% | -15.5% | 15.4% | — |
| EPS Growth | 208.7% | 208.7% | 2400.0% | 98.9% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-16.0%
EPS terminal req.
$3.37
Spread vs growth
224.7%
5Y implied EPS CAGR
-6.4%
EPS terminal req.
$4.08
Spread vs growth
215.1%
10Y implied EPS CAGR
1.5%
EPS terminal req.
$6.57
Spread vs growth
207.2%
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
-6.3%
Start / end P/E
21.9x → 6.7x
EPS bridge
1.84 → 5.68
Residual
-145.3%
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.