Financial Services / Mortgage FinanceBSE
$7.48
-0.22 (-2.86%)
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 26.0/100
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
34/100
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
$591M
P/E
8.9x
↓EV/EBITDA
25.2x
↑ROE
7.7%
↑Gross Margin
20.1%
↓Debt/Equity
2.81
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+68.4%
FCF CAGR
—
FCF margin
-82.3%
FCF / Net income
-5.88x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $793.3M · net income $111.0M · FCF $-652.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $793.3M | $793.3M | $536.1M | $319.6M | $166.0M |
| Net Income | $111.0M | $111.0M | $88.8M | $69.8M | $6.2M |
| EBITDA | $150.1M | $150.1M | $121.4M | $84.8M | $33.8M |
| EPS | 1.40 | 1.40 | 1.11 | 0.93 | 0.10 |
| Gross Margin | 20.1% | 20.1% | 27.0% | 42.7% | 32.4% |
| Operating Margin | 5.2% | 5.2% | 10.0% | 11.1% | -3.1% |
| Net Margin | 14.0% | 14.0% | 16.6% | 21.8% | 3.7% |
| Balance Sheet | |||||
| Debt/Equity | 2.81 | 2.81 | 2.41 | 1.53 | 1.22 |
| Cash Flow | |||||
| Free Cash Flow | $-652.5M | $-652.5M | $-1.31B | $-1.13B | $-66.4M |
| Returns | |||||
| ROE | 7.7% | 7.7% | 6.7% | 6.6% | 1.0% |
| Valuation | |||||
| P/E | 8.90 | 8.90 | 44.95 | 53.02 | 246.88 |
| EV/EBITDA | 25.23 | 25.23 | 54.33 | 59.55 | 61.38 |
| P/B | 0.41 | 0.41 | 3.01 | 3.48 | 2.47 |
| Growth & Yield | |||||
| Revenue Growth | 48.0% | 48.0% | 67.8% | 92.5% | — |
| EPS Growth | 26.1% | 26.1% | 19.4% | 830.0% | — |
| Dividend Yield | 1.3% | 1.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-22.0%
EPS terminal req.
$0.66
Spread vs growth
48.2%
5Y implied EPS CAGR
-10.5%
EPS terminal req.
$0.80
Spread vs growth
36.6%
10Y implied EPS CAGR
-0.8%
EPS terminal req.
$1.29
Spread vs growth
26.9%
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
-80.2%
Start / end P/E
36.4x → 5.3x
EPS bridge
1.11 → 1.40
Residual
-22.3%
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.