Financial Services / Credit ServicesASX
$1.44
-0.03 (-2.04%)
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 43.0/100
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
43/100
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
$272M
P/E
9.0x
↓EV/EBITDA
8.0x
↓ROE
8.9%
↑Gross Margin
100.0%
↑Debt/Equity
1.66
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+3.5%
FCF CAGR
—
FCF margin
24.2%
FCF / Net income
1.57x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $203.2M · net income $31.4M · FCF $49.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $203.2M | $203.2M | $216.0M | $207.6M | $183.1M |
| Net Income | $31.4M | $31.4M | $17.0M | $47.6M | $51.6M |
| EBITDA | $98.2M | $98.2M | $84.7M | $110.8M | $99.0M |
| EPS | 0.15 | 0.15 | 0.08 | 0.22 | 0.24 |
| Gross Margin | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating Margin | 45.6% | 45.6% | 42.5% | 51.4% | 50.3% |
| Net Margin | 15.5% | 15.5% | 7.9% | 22.9% | 28.2% |
| Balance Sheet | |||||
| Debt/Equity | 1.66 | 1.66 | 3.46 | 1.64 | 1.15 |
| Current Ratio | 1.46 | 1.46 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $49.2M | $49.2M | $19.6M | $-124.5M | $-66.6M |
| Returns | |||||
| ROE | 8.9% | 8.9% | 4.7% | 12.6% | 14.0% |
| Valuation | |||||
| P/E | 9.00 | 9.00 | 13.04 | 7.37 | 8.48 |
| EV/EBITDA | 8.00 | 8.00 | 15.75 | 7.44 | 7.48 |
| P/B | 0.84 | 0.84 | 0.61 | 0.93 | 1.19 |
| Growth & Yield | |||||
| Revenue Growth | -5.9% | -5.9% | 4.1% | 13.4% | — |
| EPS Growth | 89.7% | 89.7% | -64.0% | -7.4% | — |
| Dividend Yield | 8.2% | 8.2% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-5.8%
EPS terminal req.
$0.13
Spread vs growth
95.5%
5Y implied EPS CAGR
0.2%
EPS terminal req.
$0.15
Spread vs growth
89.4%
10Y implied EPS CAGR
5.0%
EPS terminal req.
$0.25
Spread vs growth
84.7%
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
-4.8%
Start / end P/E
20.6x → 9.4x
EPS bridge
0.08 → 0.15
Residual
-48.5%
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.