Financial Services / Credit ServicesBSE
$14.85
-0.15 (-1.00%)
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 13.0/100
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
44/100
C
Piotroski
2/9
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
$2.8B
P/E
8.8x
↓EV/EBITDA
17.4x
↑ROE
3.6%
↓Gross Margin
18.1%
↓Debt/Equity
0.02
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+9.8%
FCF CAGR
—
FCF margin
6.4%
FCF / Net income
0.60x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.11B · net income $117.3M · FCF $70.9M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $1.11B | $1.11B | $1.95B | $540.4M | $837.4M |
| Net Income | $117.3M | $117.3M | $649.2M | $77.5M | $32.1M |
| EBITDA | $160.5M | $160.5M | $1.19B | $101.0M | $33.0M |
| EPS | 0.62 | 0.62 | 3.41 | 0.41 | 0.17 |
| Gross Margin | 18.1% | 18.1% | 49.2% | 22.2% | 23.0% |
| Operating Margin | 13.5% | 13.5% | 60.6% | 18.3% | 3.7% |
| Net Margin | 10.6% | 10.6% | 33.2% | 14.3% | 3.8% |
| Balance Sheet | |||||
| Debt/Equity | 0.02 | 0.02 | 0.00 | 0.00 | 0.06 |
| Cash Flow | |||||
| Free Cash Flow | $70.9M | $70.9M | $-184.7M | $-33.0M | $-50.2M |
| Returns | |||||
| ROE | 3.6% | 3.6% | 20.4% | 3.1% | 1.3% |
| Valuation | |||||
| P/E | 8.84 | 8.84 | 8.46 | 36.95 | 103.41 |
| EV/EBITDA | 17.45 | 17.45 | 4.63 | 28.61 | 104.42 |
| P/B | 0.86 | 0.86 | 1.73 | 1.14 | 1.36 |
| Growth & Yield | |||||
| Revenue Growth | -43.3% | -43.3% | 261.6% | -35.5% | — |
| EPS Growth | -81.8% | -81.8% | 731.7% | 141.2% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
28.6%
EPS terminal req.
$1.32
Spread vs growth
-110.4%
5Y implied EPS CAGR
20.8%
EPS terminal req.
$1.59
Spread vs growth
-102.6%
10Y implied EPS CAGR
15.3%
EPS terminal req.
$2.57
Spread vs growth
-97.1%
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
-17.8%
Start / end P/E
5.3x → 24.0x
EPS bridge
3.41 → 0.62
Residual
-288.2%
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.