Financial Services / Credit ServicesBSE
$27.27
-0.42 (-1.52%)
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 29.0/100
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
37/100
D
Piotroski
5/9
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
$1.8B
P/E
10.4x
↓EV/EBITDA
32.5x
↑ROE
7.1%
↑Gross Margin
22.5%
↓Debt/Equity
3.58
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2026 · 3 años de histórico normalizado
Revenue CAGR
+3.2%
FCF CAGR
—
FCF margin
49.1%
FCF / Net income
5.94x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $2.08B · net income $172.5M · FCF $1.02B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $2.08B | $2.08B | $2.14B | $2.03B | $1.90B |
| Net Income | $172.5M | $172.5M | $166.5M | $157.1M | $124.9M |
| EBITDA | $271.7M | $271.7M | $353.2M | $317.1M | $309.0M |
| EPS | 2.67 | 2.67 | 2.57 | 2.43 | 1.93 |
| Gross Margin | 22.5% | 22.5% | 26.5% | 26.6% | 27.0% |
| Operating Margin | 10.0% | 10.0% | 13.7% | 12.7% | 13.4% |
| Net Margin | 8.3% | 8.3% | 7.8% | 7.7% | 6.6% |
| Balance Sheet | |||||
| Debt/Equity | 3.58 | 3.58 | 4.02 | 5.00 | 5.07 |
| Current Ratio | 5.57 | 5.57 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $1.02B | $1.02B | $163.1M | $-316.7M | $-55.2M |
| Returns | |||||
| ROE | 7.1% | 7.1% | 7.3% | 7.2% | 6.0% |
| Valuation | |||||
| P/E | 10.37 | 10.37 | 17.61 | 24.46 | 15.62 |
| EV/EBITDA | 32.52 | 32.52 | 33.33 | 44.22 | 39.30 |
| P/B | 0.73 | 0.73 | 1.28 | 1.76 | 0.94 |
| Growth & Yield | |||||
| Revenue Growth | -2.6% | -2.6% | 5.3% | 7.2% | — |
| EPS Growth | 3.9% | 3.9% | 5.8% | 25.9% | — |
| Dividend Yield | 2.9% | 2.9% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-3.2%
EPS terminal req.
$2.42
Spread vs growth
7.1%
5Y implied EPS CAGR
1.9%
EPS terminal req.
$2.93
Spread vs growth
2.0%
10Y implied EPS CAGR
5.9%
EPS terminal req.
$4.72
Spread vs growth
-2.0%
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
-41.5%
Start / end P/E
19.1x → 10.2x
EPS bridge
2.57 → 2.67
Residual
-1.8%
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.