Financial Services / Banks - RegionalMilan
$74.93
+1.21 (+1.64%)
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 61.0/100
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
47/100
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
$112.3B
P/E
10.3x
↓EV/EBITDA
N/A
•ROE
16.1%
↑Gross Margin
N/A
•Debt/Equity
1.92
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+6.0%
FCF CAGR
-7.2%
FCF margin
29.0%
FCF / Net income
0.67x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $25.04B · net income $10.91B · FCF $7.26B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $25.04B | $25.04B | $26.58B | $25.36B | $21.04B |
| Net Income | $10.91B | $10.91B | $9.72B | $9.51B | $6.46B |
| EPS | 6.91 | 6.91 | 5.78 | 5.04 | 3.06 |
| Net Margin | 43.6% | 43.6% | 36.6% | 37.5% | 30.7% |
| Balance Sheet | |||||
| Debt/Equity | 1.92 | 1.92 | 1.97 | 1.91 | 1.82 |
| Cash Flow | |||||
| Free Cash Flow | $7.26B | $7.26B | $-8.82B | $-42.28B | $9.09B |
| Returns | |||||
| ROE | 16.1% | 16.1% | 15.6% | 14.8% | 10.2% |
| Valuation | |||||
| P/E | 10.29 | 10.29 | 6.63 | 5.11 | 4.81 |
| P/B | 1.71 | 1.71 | 1.01 | 0.74 | 0.49 |
| Growth & Yield | |||||
| Revenue Growth | -5.8% | -5.8% | 4.8% | 20.5% | — |
| EPS Growth | 19.6% | 19.6% | 14.6% | 65.1% | — |
| Dividend Yield | 4.3% | 4.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-1.3%
EPS terminal req.
$6.65
Spread vs growth
20.9%
5Y implied EPS CAGR
3.1%
EPS terminal req.
$8.05
Spread vs growth
16.5%
10Y implied EPS CAGR
6.5%
EPS terminal req.
$12.96
Spread vs growth
13.1%
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
+35.2%
Start / end P/E
9.9x → 10.8x
EPS bridge
5.78 → 6.91
Residual
+1.9%
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.