Financial Services / Insurance - SpecialtyJohannesburg
$36684.00
+184.00 (+0.50%)
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
28/100
D
Piotroski
3/9
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
$40.1B
P/E
10.0x
↓EV/EBITDA
N/A
•ROE
27.0%
↑Gross Margin
N/A
•Debt/Equity
0.34
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
-0.0%
FCF CAGR
-11.6%
FCF margin
5.4%
FCF / Net income
0.58x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $43.60B · net income $4.06B · FCF $2.35B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $43.60B | $43.60B | $50.13B | $36.59B | $43.64B |
| Net Income | $4.06B | $4.06B | $3.68B | $3.25B | $1.98B |
| EPS | 36.78 | 36.78 | 33.22 | 29.52 | 17.94 |
| Net Margin | 9.3% | 9.3% | 7.3% | 8.9% | 4.5% |
| Balance Sheet | |||||
| Debt/Equity | 0.34 | 0.34 | 0.32 | 0.36 | 0.30 |
| Current Ratio | 0.52 | 0.52 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $2.35B | $2.35B | $3.56B | $396.0M | $3.41B |
| Returns | |||||
| ROE | 27.0% | 27.0% | 28.9% | 30.4% | 18.2% |
| Valuation | |||||
| P/E | 9.97 | 9.97 | 1168.27 | 969.48 | 1425.25 |
| P/B | 269.08 | 269.08 | 337.45 | 294.65 | 259.71 |
| Growth & Yield | |||||
| Revenue Growth | -13.0% | -13.0% | 37.0% | -16.2% | — |
| EPS Growth | 10.7% | 10.7% | 12.5% | 64.5% | — |
| Dividend Yield | 4.6% | 4.6% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
345.6%
EPS terminal req.
$3255.09
Spread vs growth
-334.9%
5Y implied EPS CAGR
154.7%
EPS terminal req.
$3938.66
Spread vs growth
-143.9%
10Y implied EPS CAGR
67.4%
EPS terminal req.
$6343.26
Spread vs growth
-56.7%
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
-8.3%
Start / end P/E
1268.5x → 997.4x
EPS bridge
33.22 → 36.78
Residual
-2.3%
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.