Financial Services / Banks - DiversifiedBuenos Aires
$676.00
+20.00 (+3.05%)
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 49.0/100
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
65/100
B
Piotroski
4/9
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
$775.1B
P/E
14.4x
↑EV/EBITDA
4.2x
↓ROE
15.4%
↑Gross Margin
40.2%
↓Debt/Equity
0.32
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+22.1%
FCF CAGR
—
FCF margin
-43.9%
FCF / Net income
-3.00x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $382.71B · net income $56.02B · FCF $-168.00B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $382.71B | $382.71B | $656.62B | $880.58B | $210.46B |
| Net Income | $56.02B | $56.02B | $27.86B | $18.14B | $5.01B |
| EBITDA | $84.74B | $84.74B | $40.16B | $37.76B | $10.08B |
| EPS | 52.19 | 52.19 | 30.38 | 21.51 | 6.03 |
| Gross Margin | 40.2% | 40.2% | 34.1% | 27.9% | 28.8% |
| Operating Margin | 29.1% | 29.1% | 24.2% | 18.1% | 18.9% |
| Net Margin | 14.6% | 14.6% | 4.2% | 2.1% | 2.4% |
| Balance Sheet | |||||
| Debt/Equity | 0.32 | 0.32 | 0.00 | 0.00 | 0.00 |
| Cash Flow | |||||
| Free Cash Flow | $-168.00B | $-168.00B | $325.65B | $583.98B | $115.60B |
| Returns | |||||
| ROE | 15.4% | 15.4% | 11.5% | 13.1% | 8.1% |
| Valuation | |||||
| P/E | 14.35 | 14.35 | 14.83 | 10.48 | 11.49 |
| EV/EBITDA | 4.22 | 4.22 | -6.68 | -13.45 | -11.61 |
| P/B | 1.99 | 1.99 | 1.71 | 1.38 | 0.93 |
| Growth & Yield | |||||
| Revenue Growth | -41.7% | -41.7% | -25.4% | 318.4% | — |
| EPS Growth | 71.8% | 71.8% | 41.2% | 256.6% | — |
| Dividend Yield | 1.0% | 1.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
4.7%
EPS terminal req.
$59.98
Spread vs growth
67.0%
5Y implied EPS CAGR
6.8%
EPS terminal req.
$72.58
Spread vs growth
65.0%
10Y implied EPS CAGR
8.4%
EPS terminal req.
$116.89
Spread vs growth
63.4%
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
+98.6%
Start / end P/E
11.3x → 13.0x
EPS bridge
30.38 → 52.19
Residual
+10.8%
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.