Financial Services / Credit ServicesIstanbul
$1.69
+0.00 (+0.00%)
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 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
36/100
D
Piotroski
3/9
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
$8.5B
P/E
4.3x
↓EV/EBITDA
22.4x
↑ROE
20.5%
↑Gross Margin
34.0%
↓Debt/Equity
3.52
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+73.4%
FCF CAGR
—
FCF margin
-6.4%
FCF / Net income
-0.24x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $5.77B · net income $1.53B · FCF $-367.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $5.77B | $5.77B | $6.75B | $3.87B | $1.11B |
| Net Income | $1.53B | $1.53B | $1.65B | $1.44B | $518.6M |
| EBITDA | $1.50B | $1.50B | $1.71B | $1.11B | $266.0M |
| EPS | 0.35 | 0.35 | 0.38 | 0.34 | 0.12 |
| Gross Margin | 34.0% | 34.0% | 33.6% | 32.4% | 27.8% |
| Operating Margin | 25.7% | 25.7% | 25.1% | 28.6% | 23.8% |
| Net Margin | 26.5% | 26.5% | 24.5% | 37.3% | 46.8% |
| Balance Sheet | |||||
| Debt/Equity | 3.52 | 3.52 | 4.12 | 7.29 | 8.19 |
| Current Ratio | 2.75 | 2.75 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $-367.1M | $-367.1M | $29.6M | $-405.0M | $1.71B |
| Returns | |||||
| ROE | 20.5% | 20.5% | 28.8% | 50.4% | 39.1% |
| Valuation | |||||
| P/E | 4.33 | 4.33 | 3.61 | 3.05 | 5.11 |
| EV/EBITDA | 22.35 | 22.35 | 15.17 | 20.28 | 40.45 |
| P/B | 0.99 | 0.99 | 1.04 | 1.54 | 2.00 |
| Growth & Yield | |||||
| Revenue Growth | -14.5% | -14.5% | 74.4% | 249.5% | — |
| EPS Growth | -7.4% | -7.4% | 10.3% | 178.0% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-24.6%
EPS terminal req.
$0.15
Spread vs growth
17.2%
5Y implied EPS CAGR
-12.3%
EPS terminal req.
$0.18
Spread vs growth
4.9%
10Y implied EPS CAGR
-1.8%
EPS terminal req.
$0.29
Spread vs growth
-5.6%
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
+20.1%
Start / end P/E
3.7x → 4.8x
EPS bridge
0.38 → 0.35
Residual
-2.2%
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.