Financial Services / Insurance - SpecialtyNasdaqCM
$17.72
-0.52 (-2.85%)
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 27.0/100
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
28/100
D
Piotroski
3/9
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
$666M
P/E
23.3x
↑EV/EBITDA
N/A
•ROE
6.9%
↑Gross Margin
N/A
•Debt/Equity
0.16
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2011–2025 · 14 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
—
FCF margin
-16331.8%
FCF / Net income
4.82x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $-1.0M · net income $34.9M · FCF $168.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||
| Revenue | $-1.0M | $-1.0M | $615000.00 | $-3.2M | $1.40B | $258.6M | $163.6M | $89.0M | $76.8M | $66.2M | $75.1M | $392.3M | $80.3M | $23.7M | $70.2M | — |
| Net Income | $34.9M | $34.9M | $53.4M | $14.0M | $-8.3M | $38.1M | $-29.2M | $18.4M | $23.9M | $3.6M | $25.3M | $5.8M | $-1.7M | $10.4M | $8.7M | $16.5M |
| EPS | 0.76 | 0.76 | 1.30 | 0.33 | -0.23 | 1.09 | -0.86 | 0.50 | 0.69 | — | — | — | -0.10 | 1.01 | 0.85 | 1.60 |
| Net Margin | -3391.0% | -3391.0% | 8677.6% | -440.0% | -0.6% | 14.7% | -17.8% | 20.6% | 31.2% | 5.4% | 33.7% | 1.5% | -2.1% | 43.8% | 12.4% | — |
| Balance Sheet | ||||||||||||||||
| Debt/Equity | 0.16 | 0.16 | 0.02 | 0.98 | 0.66 | 1.03 | 1.03 | 0.94 | 0.91 | 1.15 | 1.89 | 2.13 | 1.27 | 2.30 | 0.87 | — |
| Current Ratio | 1.30 | 1.30 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||
| Free Cash Flow | $168.2M | $168.2M | $240.7M | $67.4M | $452.3M | $201.6M | $133.5M | $15.2M | $54.0M | $45.2M | $35.2M | $-13.5M | $23.4M | $-3.0M | $36.7M | — |
| Returns | ||||||||||||||||
| ROE | 6.9% | 6.9% | 11.7% | 3.3% | -2.1% | 10.0% | -8.2% | 4.6% | 6.2% | 1.2% | 8.6% | 1.8% | -0.6% | 10.5% | 8.1% | 17.7% |
| Valuation | ||||||||||||||||
| P/E | 23.32 | 23.32 | 15.45 | 56.18 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.31 | 1.31 | 1.66 | 1.67 | 1.31 | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||
| Revenue Growth | -267.5% | -267.5% | 119.4% | -100.2% | — | 58.1% | 83.8% | 15.9% | 16.0% | -11.9% | -80.9% | 388.5% | 238.3% | -66.2% | — | — |
| EPS Growth | -41.5% | -41.5% | 293.9% | 243.5% | — | 226.7% | -272.0% | -27.5% | — | — | — | — | -109.9% | 18.8% | -46.9% | — |
| Dividend Yield | 1.3% | 1.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
27.4%
EPS terminal req.
$1.57
Spread vs growth
-69.0%
5Y implied EPS CAGR
20.1%
EPS terminal req.
$1.90
Spread vs growth
-61.7%
10Y implied EPS CAGR
15.0%
EPS terminal req.
$3.06
Spread vs growth
-56.5%
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
-18.8%
Start / end P/E
17.1x → 23.3x
EPS bridge
1.30 → 0.76
Residual
-15.2%
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.