Financial Services / Insurance - Property & CasualtyNYSE
$35.68
-0.59 (-1.63%)
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 63.0/100
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
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
$996M
P/E
5.3x
↓EV/EBITDA
N/A
•ROE
33.2%
↑Gross Margin
N/A
•Debt/Equity
0.18
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+13.5%
FCF CAGR
+20.1%
FCF margin
23.5%
FCF / Net income
2.06x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.60B · net income $183.0M · FCF $377.1M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $1.60B | $1.60B | $1.52B | $1.39B | $1.22B | $1.12B | $1.07B | $939.4M | $823.8M | $751.9M | $685.3M | $546.5M | $369.3M | $301.2M | $269.9M | $225.9M | $239.9M | $210.6M |
| Net Income | $183.0M | $183.0M | $58.9M | $66.8M | $-22.3M | $20.4M | $19.1M | $46.5M | $117.1M | $106.9M | $99.4M | $106.5M | $73.0M | $59.0M | $30.3M | $20.1M | $37.0M | $28.8M |
| EPS | 6.32 | 6.32 | 2.01 | 2.22 | -0.72 | 0.65 | 0.60 | 1.36 | 3.27 | 2.99 | 2.79 | 2.97 | 2.08 | 1.56 | 0.75 | 0.50 | 0.91 | 0.71 |
| Net Margin | 11.4% | 11.4% | 3.9% | 4.8% | -1.8% | 1.8% | 1.8% | 5.0% | 14.2% | 14.2% | 14.5% | 19.5% | 19.8% | 19.6% | 11.2% | 8.9% | 15.4% | 13.7% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.18 | 0.18 | 0.27 | 0.30 | 0.36 | 0.24 | 0.02 | — | 0.02 | 0.03 | 0.04 | 0.08 | 0.15 | 0.21 | 0.12 | 0.14 | 0.17 | — |
| Current Ratio | 0.55 | 0.55 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $377.1M | $377.1M | $130.0M | $67.0M | $319.6M | $227.2M | $12.1M | $73.3M | $223.4M | $240.4M | — | — | — | $155.6M | $139.8M | $110.2M | $-5.8M | $20.1M |
| Returns | ||||||||||||||||||
| ROE | 33.2% | 33.2% | 15.8% | 19.6% | -7.7% | 4.7% | 4.3% | 9.4% | 23.3% | 24.3% | 26.8% | 36.3% | 36.5% | 33.6% | 18.5% | 13.4% | 26.5% | 25.4% |
| Valuation | ||||||||||||||||||
| P/E | 5.28 | 5.28 | 9.94 | 7.49 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.87 | 1.87 | 1.57 | 1.47 | 1.13 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 5.5% | 5.5% | 9.3% | 13.8% | — | 4.6% | 14.2% | 14.0% | 9.6% | 9.7% | 25.4% | 48.0% | 22.6% | 11.6% | 19.5% | -5.9% | 13.9% | — |
| EPS Growth | 214.4% | 214.4% | -9.5% | 408.3% | — | 8.3% | -55.9% | -58.4% | 9.4% | 7.2% | -6.1% | 42.8% | 33.3% | 108.0% | 50.0% | -45.1% | 28.2% | — |
| Dividend Yield | 1.8% | 1.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-20.6%
EPS terminal req.
$3.17
Spread vs growth
235.0%
5Y implied EPS CAGR
-9.5%
EPS terminal req.
$3.83
Spread vs growth
224.0%
10Y implied EPS CAGR
-0.2%
EPS terminal req.
$6.17
Spread vs growth
214.7%
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
+30.4%
Start / end P/E
13.8x → 5.6x
EPS bridge
2.01 → 6.32
Residual
-126.7%
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.