Financial Services / Credit ServicesBSE
$87.01
-1.29 (-1.46%)
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 29.0/100
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
45/100
C
Piotroski
5/9
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
$1.3B
P/E
3.5x
↓EV/EBITDA
26.5x
↑ROE
9.0%
↑Gross Margin
40.1%
↓Debt/Equity
0.72
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+19.2%
FCF CAGR
—
FCF margin
3.3%
FCF / Net income
0.04x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $352.9M · net income $323.2M · FCF $11.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $352.9M | $352.9M | $394.6M | $263.9M | $208.4M |
| Net Income | $323.2M | $323.2M | $242.0M | $180.0M | $170.2M |
| EBITDA | $140.0M | $140.0M | $157.0M | $104.8M | $81.2M |
| EPS | 24.50 | 24.50 | 18.40 | 13.93 | 13.18 |
| Gross Margin | 40.1% | 40.1% | 40.3% | 42.1% | 40.3% |
| Operating Margin | 39.6% | 39.6% | 39.6% | 39.6% | 38.9% |
| Net Margin | 91.6% | 91.6% | 61.3% | 68.2% | 81.7% |
| Balance Sheet | |||||
| Debt/Equity | 0.72 | 0.72 | 0.93 | 1.05 | 0.64 |
| Cash Flow | |||||
| Free Cash Flow | $11.6M | $11.6M | $2.8M | $-14.9M | $-210.6M |
| Returns | |||||
| ROE | 9.0% | 9.0% | 7.7% | 6.2% | 6.9% |
| Valuation | |||||
| P/E | 3.47 | 3.47 | — | — | — |
| EV/EBITDA | 26.51 | 26.51 | — | — | — |
| P/B | 0.32 | 0.32 | — | — | — |
| Growth & Yield | |||||
| Revenue Growth | -10.6% | -10.6% | 49.5% | 26.6% | — |
| EPS Growth | 33.2% | 33.2% | 32.1% | 5.7% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-31.9%
EPS terminal req.
$7.72
Spread vs growth
65.1%
5Y implied EPS CAGR
-17.5%
EPS terminal req.
$9.34
Spread vs growth
50.7%
10Y implied EPS CAGR
-4.8%
EPS terminal req.
$15.05
Spread vs growth
37.9%
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
-15.4%
Start / end P/E
5.6x → 3.6x
EPS bridge
18.40 → 24.50
Residual
-12.1%
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.