Financial Services / Insurance - Property & CasualtyIceland
$39.80
-1.80 (-4.33%)
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 59.0/100
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
39/100
D
Piotroski
4/9
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
$46.2B
P/E
22.4x
↑EV/EBITDA
N/A
•ROE
8.6%
↑Gross Margin
N/A
•Debt/Equity
0.05
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+7.3%
FCF CAGR
-15.0%
FCF margin
10.2%
FCF / Net income
1.72x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $34.85B · net income $2.07B · FCF $3.56B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $34.85B | $34.85B | $36.99B | $34.28B | $28.19B |
| Net Income | $2.07B | $2.07B | $4.24B | $4.63B | $2.65B |
| EPS | 1.78 | 1.78 | 3.66 | 3.97 | 2.22 |
| Net Margin | 5.9% | 5.9% | 11.5% | 13.5% | 9.4% |
| Balance Sheet | |||||
| Debt/Equity | 0.05 | 0.05 | 0.05 | 0.06 | 0.06 |
| Current Ratio | 1.96 | 1.96 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $3.56B | $3.56B | $510.4M | $5.08B | $5.79B |
| Returns | |||||
| ROE | 8.6% | 8.6% | 16.9% | 19.8% | 12.4% |
| Valuation | |||||
| P/E | 22.36 | 22.36 | 13.36 | 10.05 | 15.14 |
| P/B | 0.00 | 0.00 | 0.00 | 2.00 | 1.88 |
| Growth & Yield | |||||
| Revenue Growth | -5.8% | -5.8% | 7.9% | 21.6% | — |
| EPS Growth | -51.4% | -51.4% | -7.8% | 78.8% | — |
| Dividend Yield | 2.4% | 2.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
25.7%
EPS terminal req.
$3.53
Spread vs growth
-77.0%
5Y implied EPS CAGR
19.1%
EPS terminal req.
$4.27
Spread vs growth
-70.5%
10Y implied EPS CAGR
14.5%
EPS terminal req.
$6.88
Spread vs growth
-65.8%
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
-15.7%
Start / end P/E
13.3x → 22.4x
EPS bridge
3.66 → 1.78
Residual
-35.1%
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.