Financial Services / Insurance - Property & CasualtyASX
$1.58
+0.03 (+1.61%)
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 53.0/100
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
41/100
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
$543M
P/E
8.3x
↓EV/EBITDA
N/A
•ROE
23.9%
↑Gross Margin
N/A
•Debt/Equity
0.07
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+14.6%
FCF CAGR
+42.0%
FCF margin
22.5%
FCF / Net income
1.45x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $541.6M · net income $83.7M · FCF $121.7M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $541.6M | $541.6M | $493.3M | $412.2M | $360.0M |
| Net Income | $83.7M | $83.7M | $74.3M | $-1.2M | $18.8M |
| EPS | 0.23 | 0.23 | 0.22 | -0.00 | 0.05 |
| Net Margin | 15.5% | 15.5% | 15.1% | -0.3% | 5.2% |
| Balance Sheet | |||||
| Debt/Equity | 0.07 | 0.07 | 0.08 | 0.11 | 0.11 |
| Current Ratio | 0.62 | 0.62 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $121.7M | $121.7M | $125.4M | $-13.7M | $42.5M |
| Returns | |||||
| ROE | 23.9% | 23.9% | 20.6% | -0.4% | 5.9% |
| Valuation | |||||
| P/E | 8.32 | 8.32 | 6.22 | — | 11.94 |
| P/B | 1.64 | 1.64 | 1.29 | 0.73 | 0.71 |
| Growth & Yield | |||||
| Revenue Growth | 9.8% | 9.8% | 19.7% | 14.5% | — |
| EPS Growth | 5.6% | 5.6% | 6224.2% | -106.8% | — |
| Dividend Yield | 11.7% | 11.7% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-15.2%
EPS terminal req.
$0.14
Spread vs growth
20.8%
5Y implied EPS CAGR
-5.9%
EPS terminal req.
$0.17
Spread vs growth
11.5%
10Y implied EPS CAGR
1.7%
EPS terminal req.
$0.27
Spread vs growth
3.9%
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
+22.9%
Start / end P/E
6.5x → 6.9x
EPS bridge
0.22 → 0.23
Residual
+0.3%
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.