Financial Services / Insurance - LifeToronto
$8.07
-0.20 (-2.42%)
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 33.0/100
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
$1.1B
P/E
33.6x
↑EV/EBITDA
N/A
•ROE
6.5%
↑Gross Margin
N/A
•Debt/Equity
1.02
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+106.4%
FCF CAGR
—
FCF margin
-0.9%
FCF / Net income
-0.32x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $2.30B · net income $66.9M · FCF $-21.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $2.30B | $2.30B | $2.32B | $2.11B | $261.9M |
| Net Income | $66.9M | $66.9M | $97.5M | $532.1M | $-164.4M |
| EPS | 0.48 | 0.48 | 0.68 | 3.67 | -1.15 |
| Net Margin | 2.9% | 2.9% | 4.2% | 25.2% | -62.8% |
| Balance Sheet | |||||
| Debt/Equity | 1.02 | 1.02 | 1.03 | 1.02 | 1.55 |
| Current Ratio | 2.59 | 2.59 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-21.1M | $-21.1M | $196.8M | $-67.0M | $-176.5M |
| Returns | |||||
| ROE | 6.5% | 6.5% | 10.2% | 54.8% | -38.3% |
| Valuation | |||||
| P/E | 33.63 | 33.63 | 9.10 | 1.65 | — |
| P/B | 1.09 | 1.09 | 0.92 | 0.90 | 1.75 |
| Growth & Yield | |||||
| Revenue Growth | -0.6% | -0.6% | 9.8% | 705.6% | — |
| EPS Growth | -29.6% | -29.6% | -81.5% | 419.1% | — |
| Dividend Yield | 4.7% | 4.7% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
14.4%
EPS terminal req.
$0.72
Spread vs growth
-44.0%
5Y implied EPS CAGR
12.6%
EPS terminal req.
$0.87
Spread vs growth
-42.2%
10Y implied EPS CAGR
11.3%
EPS terminal req.
$1.40
Spread vs growth
-40.9%
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
+6.2%
Start / end P/E
11.7x → 16.9x
EPS bridge
0.68 → 0.48
Residual
-13.1%
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.