Financial Services / Insurance BrokersNYSE
$1.05
+0.05 (+5.00%)
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 0.0/100
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
48/100
C
Piotroski
5/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
20/100
SEC 0%
Sin guardar todavía.
Market Cap
$185M
P/E
105.0x
↑EV/EBITDA
3.9x
↓ROE
8.3%
↑Gross Margin
38.7%
↓Debt/Equity
0.72
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2018–2025 · 7 años de histórico normalizado
Revenue CAGR
+30.7%
FCF CAGR
—
FCF margin
-1.5%
FCF / Net income
-0.48x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.53B · net income $47.6M · FCF $-23.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | $1.53B | $1.53B | $1.32B | $1.00B | $764.0M | $930.0M | $529.3M | $337.5M | $233.7M |
| Net Income | $47.6M | $47.6M | $-34.1M | $-58.5M | $-297.5M | $124.9M | $79.5M | $72.6M | $34.9M |
| EBITDA | $148.4M | $148.4M | $89.5M | $39.3M | $-321.5M | $208.4M | $138.1M | $101.0M | $46.6M |
| EPS | 0.01 | 0.01 | -0.20 | -0.35 | -1.81 | 0.75 | -0.18 | 0.55 | 0.23 |
| Gross Margin | 38.7% | 38.7% | 45.2% | 47.4% | 40.4% | — | — | — | — |
| Operating Margin | 4.5% | 4.5% | 4.9% | 1.2% | -39.4% | 20.7% | 24.6% | 28.5% | 18.5% |
| Net Margin | 3.1% | 3.1% | -2.6% | -5.8% | -38.9% | 13.4% | 15.0% | 21.5% | 14.9% |
| Balance Sheet | |||||||||
| Debt/Equity | 0.72 | 0.72 | 2.25 | 2.11 | 1.91 | 0.69 | 0.57 | 0.04 | — |
| Current Ratio | 1.59 | 1.59 | — | — | — | — | — | — | — |
| Cash Flow | |||||||||
| Free Cash Flow | $-23.0M | $-23.0M | $3.6M | $-28.5M | $-373.0M | $-130.3M | $-71.2M | $-3.8M | $-10.2M |
| Returns | |||||||||
| ROE | 8.3% | 8.3% | -10.8% | -16.9% | -76.1% | 18.7% | 14.6% | 27.7% | 18.6% |
| Valuation | |||||||||
| P/E | 105.00 | 105.00 | — | — | — | — | — | — | — |
| EV/EBITDA | 3.87 | 3.87 | 13.07 | 24.13 | — | — | — | — | — |
| P/B | 0.33 | 0.33 | 1.57 | 0.87 | 1.04 | — | — | — | — |
| Growth & Yield | |||||||||
| Revenue Growth | 15.5% | 15.5% | 31.8% | 31.3% | — | 75.7% | 56.9% | 44.4% | — |
| EPS Growth | 105.0% | 105.0% | 42.9% | 80.7% | — | 516.7% | -132.7% | 139.1% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
110.4%
EPS terminal req.
$0.09
Spread vs growth
-5.4%
5Y implied EPS CAGR
62.3%
EPS terminal req.
$0.11
Spread vs growth
42.7%
10Y implied EPS CAGR
33.6%
EPS terminal req.
$0.18
Spread vs growth
71.4%
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
-51.6%
Start / end P/E
n/dx → n/dx
EPS bridge
-0.20 → 0.01
Residual
-51.6%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.