Financial Services / Insurance - LifeNasdaqGM
$9.46
-0.24 (-2.47%)
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 31.0/100
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
36/100
D
Piotroski
6/9
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
$246M
P/E
7.4x
↓EV/EBITDA
N/A
•ROE
7.8%
↑Gross Margin
N/A
•Debt/Equity
0.24
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+3.0%
FCF CAGR
+6.3%
FCF margin
12.7%
FCF / Net income
1.36x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $345.4M · net income $32.2M · FCF $43.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $345.4M | $345.4M | $335.5M | $318.5M | $390.7M | $470.7M | $481.5M | $283.1M | $279.6M | $276.9M | $304.3M | $280.4M | $225.0M | $215.3M | $234.3M | $159.6M | $168.5M | $216.9M |
| Net Income | $32.2M | $32.2M | $29.1M | $14.5M | $25.7M | $39.5M | $55.6M | $10.9M | $21.7M | $14.1M | $12.2M | $13.4M | $8.2M | $7.6M | $16.7M | $1.3M | $-430624.00 | $3.8M |
| EPS | 1.26 | 1.26 | 1.16 | 0.58 | 1.02 | 1.55 | 2.25 | 0.45 | 0.93 | 0.64 | 0.57 | 0.63 | 0.41 | 0.39 | 0.99 | 0.08 | -0.03 | 0.25 |
| Net Margin | 9.3% | 9.3% | 8.7% | 4.6% | 6.6% | 8.4% | 11.5% | 3.8% | 7.8% | 5.1% | 4.0% | 4.8% | 3.7% | 3.5% | 7.1% | 0.8% | -0.3% | 1.7% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.24 | 0.24 | 0.28 | 0.34 | 0.55 | 0.94 | 0.96 | — | — | — | — | — | — | — | — | — | — | — |
| Current Ratio | 1.98 | 1.98 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $43.8M | $43.8M | $54.8M | $52.8M | $128.9M | $139.4M | $-131.3M | $-77.4M | — | $45.2M | $32.0M | $-31.7M | $-14.0M | $33.1M | $19.4M | $6.1M | $-15.1M | $16.4M |
| Returns | ||||||||||||||||||
| ROE | 7.8% | 7.8% | 7.6% | 4.6% | 8.8% | 13.2% | 21.1% | 5.5% | 12.6% | 9.5% | 9.2% | 11.3% | 7.9% | 8.6% | 20.9% | 2.1% | -0.7% | 6.3% |
| Valuation | ||||||||||||||||||
| P/E | 7.39 | 7.39 | 9.91 | 13.44 | 6.17 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.59 | 0.59 | 0.76 | 0.62 | 0.54 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 3.0% | 3.0% | 5.3% | -18.5% | — | -2.2% | 70.1% | 1.2% | 1.0% | -9.0% | 8.6% | 24.6% | 4.5% | -8.1% | 46.8% | -5.3% | -22.3% | — |
| EPS Growth | 8.6% | 8.6% | 99.7% | -42.8% | — | -31.0% | 396.0% | -51.3% | 45.1% | 11.8% | -9.2% | 56.1% | 3.6% | -60.4% | 1116.3% | 415.0% | -110.2% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-12.7%
EPS terminal req.
$0.84
Spread vs growth
21.3%
5Y implied EPS CAGR
-4.2%
EPS terminal req.
$1.02
Spread vs growth
12.8%
10Y implied EPS CAGR
2.6%
EPS terminal req.
$1.64
Spread vs growth
6.0%
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
+0.7%
Start / end P/E
8.1x → 7.5x
EPS bridge
1.16 → 1.26
Residual
-0.6%
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.