Financial Services / Insurance - SpecialtyStockholm
$100.20
+1.20 (+1.20%)
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 100.0/100
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
31/100
D
Piotroski
2/9
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
12.8x
↑EV/EBITDA
N/A
•ROE
27.9%
↑Gross Margin
N/A
•Debt/Equity
N/A
•TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+1.7%
FCF CAGR
-31.2%
FCF margin
5.2%
FCF / Net income
0.40x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.17B · net income $149.0M · FCF $60.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $1.17B | $1.17B | $1.25B | $1.21B | $1.11B |
| Net Income | $149.0M | $149.0M | $164.7M | $165.4M | $110.7M |
| EPS | 8.31 | 8.31 | 8.86 | 8.67 | 5.54 |
| Net Margin | 12.8% | 12.8% | 13.1% | 13.6% | 10.0% |
| Balance Sheet | |||||
| Current Ratio | 1.20 | 1.20 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $60.1M | $60.1M | $113.1M | $-123.2M | $184.9M |
| Returns | |||||
| ROE | 27.9% | 27.9% | 32.7% | 36.0% | 26.9% |
| Valuation | |||||
| P/E | 12.85 | 12.85 | 9.62 | 7.28 | 12.76 |
| P/B | 3.36 | 3.36 | 3.14 | 2.62 | 3.43 |
| Growth & Yield | |||||
| Revenue Growth | -7.0% | -7.0% | 3.4% | 9.4% | — |
| EPS Growth | -6.2% | -6.2% | 2.2% | 56.5% | — |
| Dividend Yield | 5.2% | 5.2% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
2.3%
EPS terminal req.
$8.89
Spread vs growth
-8.5%
5Y implied EPS CAGR
5.3%
EPS terminal req.
$10.76
Spread vs growth
-11.5%
10Y implied EPS CAGR
7.6%
EPS terminal req.
$17.33
Spread vs growth
-13.8%
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
+30.5%
Start / end P/E
9.1x → 12.2x
EPS bridge
8.86 → 8.31
Residual
-2.1%
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.