Financial Services / Credit ServicesNSE
$75.50
+0.50 (+0.68%)
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 35.0/100
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
39/100
D
Piotroski
4/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
20/100
SEC 0%
Sin guardar todavía.
Market Cap
$35.0B
P/E
28.3x
↑EV/EBITDA
29.5x
↑ROE
9.4%
↑Gross Margin
57.7%
↑Debt/Equity
0.82
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2026 · 4 años de histórico normalizado
Revenue CAGR
+0.8%
FCF CAGR
—
FCF margin
-18.0%
FCF / Net income
-0.38x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $2.58B · net income $1.23B · FCF $-463.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2026 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | $2.58B | $2.58B | $2.22B | $2.26B | $2.26B | $2.49B |
| Net Income | $1.23B | $1.23B | $1.04B | $911.1M | $879.5M | $853.2M |
| EBITDA | $1.53B | $1.53B | $1.25B | $1.51B | $1.56B | $1.78B |
| EPS | — | — | 2.24 | 2.02 | 1.95 | 2.00 |
| Gross Margin | 57.7% | 57.7% | 48.6% | 67.6% | 76.3% | 74.8% |
| Operating Margin | 59.2% | 59.2% | 56.1% | 62.2% | 70.5% | 68.2% |
| Net Margin | 47.9% | 47.9% | 46.7% | 40.4% | 38.9% | 34.2% |
| Balance Sheet | ||||||
| Debt/Equity | 0.82 | 0.82 | 0.71 | 0.90 | 0.98 | 1.36 |
| Current Ratio | 704.19 | 704.19 | — | — | — | — |
| Cash Flow | ||||||
| Free Cash Flow | $-463.2M | $-463.2M | $546.9M | $-70.6M | $-1.37B | $1.37B |
| Returns | ||||||
| ROE | 9.4% | 9.4% | 8.5% | 8.4% | 8.6% | 9.1% |
| Valuation | ||||||
| P/E | 28.28 | 28.28 | 15.97 | 17.03 | 7.48 | 6.77 |
| EV/EBITDA | 29.52 | 29.52 | 18.97 | 16.58 | 10.26 | 9.24 |
| P/B | 2.66 | 2.66 | 1.36 | 1.42 | 0.65 | 0.62 |
| Growth & Yield | ||||||
| Revenue Growth | 16.0% | 16.0% | -1.5% | -0.2% | — | — |
| EPS Growth | — | — | 11.1% | 3.6% | — | — |
| Dividend Yield | 0.8% | 0.8% | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
+68.3%
Start / end P/E
n/dx → n/dx
EPS bridge
2.24 → n/d
Residual
+67.5%
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.