Financial Services / Insurance - SpecialtyToronto
$40.71
-0.21 (-0.51%)
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 52.0/100
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
51/100
C
Piotroski
6/9
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
$1.9B
P/E
13.1x
↑EV/EBITDA
N/A
•ROE
15.4%
↑Gross Margin
N/A
•Debt/Equity
0.17
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+18.6%
FCF CAGR
+36.4%
FCF margin
43.5%
FCF / Net income
2.66x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $868.0M · net income $142.2M · FCF $377.7M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $868.0M | $868.0M | $778.8M | $711.3M | $520.8M |
| Net Income | $142.2M | $142.2M | $118.9M | $66.9M | $27.8M |
| EPS | 2.93 | 2.93 | 2.50 | 1.42 | 0.63 |
| Net Margin | 16.4% | 16.4% | 15.3% | 9.4% | 5.3% |
| Balance Sheet | |||||
| Debt/Equity | 0.17 | 0.17 | 0.14 | 0.14 | 0.18 |
| Current Ratio | 15.38 | 15.38 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $377.7M | $377.7M | $115.9M | $257.2M | $148.8M |
| Returns | |||||
| ROE | 15.4% | 15.4% | 15.1% | 10.8% | 5.6% |
| Valuation | |||||
| P/E | 13.13 | 13.13 | 15.45 | 24.52 | 70.51 |
| P/B | 2.14 | 2.14 | 2.34 | 2.66 | 3.98 |
| Growth & Yield | |||||
| Revenue Growth | 11.4% | 11.4% | 9.5% | 36.6% | — |
| EPS Growth | 17.3% | 17.3% | 75.9% | 125.4% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
7.2%
EPS terminal req.
$3.61
Spread vs growth
10.1%
5Y implied EPS CAGR
8.3%
EPS terminal req.
$4.37
Spread vs growth
9.0%
10Y implied EPS CAGR
9.2%
EPS terminal req.
$7.04
Spread vs growth
8.2%
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
+0.7%
Start / end P/E
16.2x → 13.9x
EPS bridge
2.50 → 2.93
Residual
-2.5%
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.