Financial Services / Banks - RegionalJohannesburg
$30603.00
-156.00 (-0.49%)
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 68.0/100
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
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
$496.7B
P/E
10.2x
↓EV/EBITDA
N/A
•ROE
17.5%
↑Gross Margin
N/A
•Debt/Equity
0.49
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+8.9%
FCF CAGR
-15.1%
FCF margin
18.3%
FCF / Net income
0.72x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $202.08B · net income $51.22B · FCF $36.96B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $202.08B | $202.08B | $189.47B | $189.56B | $156.38B |
| Net Income | $51.22B | $51.22B | $45.82B | $45.97B | $35.24B |
| EPS | 29.88 | 29.88 | 26.44 | 26.35 | 20.59 |
| Net Margin | 25.3% | 25.3% | 24.2% | 24.3% | 22.5% |
| Balance Sheet | |||||
| Debt/Equity | 0.49 | 0.49 | 0.51 | 0.54 | 0.13 |
| Cash Flow | |||||
| Free Cash Flow | $36.96B | $36.96B | $54.48B | $62.67B | $60.45B |
| Returns | |||||
| ROE | 17.5% | 17.5% | 16.7% | 17.6% | 14.8% |
| Valuation | |||||
| P/E | 10.25 | 10.25 | 850.16 | 779.20 | 809.91 |
| P/B | 172.23 | 172.23 | 136.84 | 132.19 | 116.59 |
| Growth & Yield | |||||
| Revenue Growth | 6.7% | 6.7% | -0.0% | 21.2% | — |
| EPS Growth | 13.0% | 13.0% | 0.3% | 28.0% | — |
| Dividend Yield | 5.6% | 5.6% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
349.6%
EPS terminal req.
$2715.51
Spread vs growth
-336.6%
5Y implied EPS CAGR
156.0%
EPS terminal req.
$3285.76
Spread vs growth
-143.0%
10Y implied EPS CAGR
67.8%
EPS terminal req.
$5291.75
Spread vs growth
-54.8%
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
+39.3%
Start / end P/E
889.1x → 1052.3x
EPS bridge
26.44 → 29.88
Residual
+2.4%
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.