Financial Services / Credit ServicesNSE
$267.75
+6.16 (+2.35%)
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 34.0/100
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
44/100
C
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
$2.7B
P/E
11.2x
↓EV/EBITDA
58.5x
↑ROE
9.0%
↑Gross Margin
36.0%
↓Debt/Equity
1.33
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2023–2026 · 3 años de histórico normalizado
Revenue CAGR
+8.2%
FCF CAGR
-27.5%
FCF margin
91.0%
FCF / Net income
1.38x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $357.6M · net income $236.1M · FCF $325.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $357.6M | $357.6M | $327.1M | $373.3M | $282.2M |
| Net Income | $236.1M | $236.1M | $104.2M | $160.8M | $218.2M |
| EBITDA | $105.3M | $105.3M | $104.8M | $224.8M | $277.5M |
| EPS | — | — | 10.52 | 16.22 | 22.02 |
| Gross Margin | 36.0% | 36.0% | 39.4% | 75.9% | 74.3% |
| Operating Margin | 27.9% | 27.9% | 30.3% | 58.4% | 54.0% |
| Net Margin | 66.0% | 66.0% | 31.9% | 43.1% | 77.3% |
| Balance Sheet | |||||
| Debt/Equity | 1.33 | 1.33 | 0.97 | 0.98 | 1.01 |
| Current Ratio | 267.51 | 267.51 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $325.5M | $325.5M | $274.3M | $365.5M | $855.8M |
| Returns | |||||
| ROE | 9.0% | 9.0% | 4.4% | 7.8% | 12.2% |
| Valuation | |||||
| P/E | 11.24 | 11.24 | 26.81 | 16.21 | 5.13 |
| EV/EBITDA | 58.51 | 58.51 | 48.30 | 20.46 | 10.53 |
| P/B | 1.01 | 1.01 | 1.19 | 1.26 | 0.62 |
| Growth & Yield | |||||
| Revenue Growth | 9.3% | 9.3% | -12.4% | 32.3% | — |
| EPS Growth | — | — | -35.1% | -26.3% | — |
| Dividend Yield | 0.1% | 0.1% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
-11.3%
Start / end P/E
n/dx → n/dx
EPS bridge
10.52 → n/d
Residual
-11.4%
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.