Financial Services / Credit ServicesNYSE
$322.28
-4.08 (-1.25%)
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 100.0/100
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
43/100
C
Piotroski
5/9
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
$612.9B
P/E
28.1x
↑EV/EBITDA
27.5x
↑ROE
52.9%
↑Gross Margin
80.4%
↑Debt/Equity
0.66
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
+14.3%
FCF CAGR
—
FCF margin
53.9%
FCF / Net income
1.08x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $40.00B · net income $20.06B · FCF $21.58B
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 | $40.00B | $40.00B | $35.93B | $32.65B | $29.31B | $24.11B | $21.85B | $22.98B | $20.61B | $18.36B | $15.08B | $13.88B | $12.70B | $11.78B | $10.42B | $9.19B | $8.06B | $6.91B | $6.26B | $3.59B |
| Net Income | $20.06B | $20.06B | $19.74B | $17.27B | $14.96B | $12.31B | $10.87B | $12.08B | $10.30B | $6.70B | $5.99B | $6.33B | $5.44B | $4.98B | $2.14B | $3.65B | $2.97B | $2.35B | $804.0M | $-1.08B |
| EBITDA | $26.00B | $26.00B | $25.59B | $22.62B | $19.54B | $16.61B | $14.85B | $15.66B | $13.57B | $12.70B | $8.38B | $9.56B | $8.13B | $7.64B | $2.47B | $5.74B | $4.85B | $3.76B | $1.47B | $-1.32B |
| EPS | 10.20 | 10.20 | 9.73 | 8.28 | 7.00 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Gross Margin | 80.4% | 80.4% | 80.4% | 79.9% | 80.4% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | 66.4% | 66.4% | 67.0% | 67.2% | 67.1% | 65.6% | 64.5% | 65.3% | 62.9% | 66.2% | 52.3% | 65.3% | 60.6% | 61.5% | 20.5% | 59.4% | 56.9% | 51.2% | 19.7% | -40.4% |
| Net Margin | 50.1% | 50.1% | 55.0% | 52.9% | 51.0% | 51.1% | 49.7% | 52.6% | 50.0% | 36.5% | 39.7% | 45.6% | 42.8% | 42.3% | 20.6% | 39.7% | 36.8% | 34.0% | 12.8% | -30.0% |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 0.66 | 0.66 | 0.53 | 0.53 | 0.63 | — | — | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | — |
| Current Ratio | 1.09 | 1.09 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $21.58B | $21.58B | $18.69B | $19.70B | $17.88B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||||
| ROE | 52.9% | 52.9% | 50.4% | 44.6% | 42.0% | — | — | — | — | — | — | — | — | — | — | 13.8% | 11.9% | 10.1% | 3.8% | 214.8% |
| Valuation | ||||||||||||||||||||
| P/E | 28.12 | 28.12 | 28.56 | 28.39 | 26.26 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| EV/EBITDA | 27.50 | 27.50 | 26.40 | 26.23 | 24.42 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 18.65 | 18.65 | 17.04 | 15.21 | 13.22 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | 11.3% | 11.3% | 10.0% | 11.4% | — | 10.3% | -4.9% | 11.5% | 12.3% | 21.7% | 8.7% | 9.3% | 7.8% | 13.0% | 13.4% | 13.9% | 16.7% | 10.3% | 74.5% | — |
| EPS Growth | 4.8% | 4.8% | 17.5% | 18.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividend Yield | 0.8% | 0.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
41.0%
EPS terminal req.
$28.60
Spread vs growth
-36.2%
5Y implied EPS CAGR
27.7%
EPS terminal req.
$34.60
Spread vs growth
-22.8%
10Y implied EPS CAGR
18.5%
EPS terminal req.
$55.73
Spread vs growth
-13.7%
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
-10.9%
Start / end P/E
37.5x → 31.6x
EPS bridge
9.73 → 10.20
Residual
-0.8%
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.