Financial Services / Banks - RegionalNYSE
$53.38
-1.47 (-2.67%)
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 46.0/100
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
38/100
D
Piotroski
7/9
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
$82.9B
P/E
11.2x
↓EV/EBITDA
N/A
•ROE
11.6%
↑Gross Margin
N/A
•Debt/Equity
1.05
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
+4.4%
FCF CAGR
—
FCF margin
27.9%
FCF / Net income
1.05x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $28.54B · net income $7.57B · FCF $7.97B
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 | 2010 | 2009 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||||
| Revenue | $28.54B | $28.54B | $27.34B | $28.01B | $24.18B | $13.49B | $14.84B | $17.49B | $22.64B | $21.90B | $21.31B | $20.31B | $20.16B | $19.60B | $20.29B | $12.64B | $12.16B | $11.54B | $12.42B | $13.14B |
| Net Income | $7.57B | $7.57B | $6.30B | $5.43B | $5.83B | $7.96B | $4.96B | $6.91B | $7.10B | $6.22B | $5.89B | $5.88B | $5.85B | $5.84B | $5.65B | $4.87B | $3.32B | $2.21B | $2.95B | $4.32B |
| EPS | 4.62 | 4.62 | 3.79 | 3.27 | 3.69 | 5.10 | 3.06 | 4.16 | 4.14 | 3.51 | 3.24 | 3.16 | 3.08 | 3.00 | 2.84 | 2.46 | 1.73 | 0.97 | 1.61 | 2.42 |
| Net Margin | 26.5% | 26.5% | 23.0% | 19.4% | 24.1% | 59.0% | 33.4% | 39.5% | 31.3% | 28.4% | 27.6% | 29.0% | 29.0% | 29.8% | 27.8% | 38.5% | 27.3% | 19.1% | 23.7% | 32.9% |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 1.05 | 1.05 | 1.12 | 1.14 | 1.37 | 0.58 | 0.78 | 0.77 | 0.81 | 0.66 | 0.70 | 0.70 | 0.74 | 0.49 | 0.65 | 0.94 | 1.07 | 1.25 | 1.46 | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $7.97B | $7.97B | $11.35B | $8.39B | $21.12B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||||
| ROE | 11.6% | 11.6% | 10.8% | 9.8% | 11.5% | 14.5% | 9.3% | 13.3% | 13.9% | 12.7% | 12.4% | 12.7% | 13.5% | 14.2% | 14.5% | 14.3% | 11.2% | 8.5% | 11.2% | — |
| Valuation | ||||||||||||||||||||
| P/E | 11.19 | 11.19 | 12.89 | 13.40 | 12.55 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.28 | 1.28 | 1.30 | 1.22 | 1.36 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | 4.4% | 4.4% | -2.4% | 15.8% | — | -9.1% | -15.2% | -22.7% | 3.4% | 2.8% | 4.9% | 0.7% | 2.9% | -3.4% | 60.5% | 4.0% | 5.4% | -7.1% | -5.5% | — |
| EPS Growth | 21.9% | 21.9% | 15.9% | -11.4% | — | 66.7% | -26.4% | 0.5% | 17.9% | 8.3% | 2.5% | 2.6% | 2.7% | 5.6% | 15.4% | 42.2% | 78.4% | -39.8% | -33.5% | — |
| Dividend Yield | 3.8% | 3.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
0.8%
EPS terminal req.
$4.74
Spread vs growth
21.1%
5Y implied EPS CAGR
4.4%
EPS terminal req.
$5.73
Spread vs growth
17.5%
10Y implied EPS CAGR
7.2%
EPS terminal req.
$9.23
Spread vs growth
14.7%
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
+26.2%
Start / end P/E
11.5x → 11.6x
EPS bridge
3.79 → 4.62
Residual
+0.1%
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.