Financial Services / Mortgage FinanceNYSE
$17.29
-0.21 (-1.20%)
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 48.0/100
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
39/100
D
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
$679M
P/E
6.2x
↓EV/EBITDA
N/A
•ROE
15.6%
↑Gross Margin
N/A
•Debt/Equity
9.72
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2018–2025 · 7 años de histórico normalizado
Revenue CAGR
—
FCF CAGR
—
FCF margin
5.3%
FCF / Net income
0.16x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $311.5M · net income $105.1M · FCF $16.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | $311.5M | $311.5M | $211.7M | $155.5M | $91.2M | — | — | — | — |
| Net Income | $105.1M | $105.1M | $68.4M | $52.3M | $32.2M | $29.2M | $17.8M | $17.3M | $7.6M |
| EPS | 2.75 | 2.75 | 1.91 | 1.52 | 0.94 | 0.86 | -1.55 | — | — |
| Net Margin | 33.7% | 33.7% | 32.3% | 33.6% | 35.3% | — | — | — | — |
| Balance Sheet | |||||||||
| Debt/Equity | 9.72 | 9.72 | 9.40 | 8.86 | 8.70 | — | — | — | — |
| Current Ratio | 27.35 | 27.35 | — | — | — | — | — | — | — |
| Cash Flow | |||||||||
| Free Cash Flow | $16.6M | $16.6M | $32.7M | $48.7M | $48.3M | $57.5M | $54.2M | $-106.2M | $-73.8M |
| Returns | |||||||||
| ROE | 15.6% | 15.6% | 13.2% | 12.1% | 8.5% | 8.6% | 8.1% | 11.3% | 5.6% |
| Valuation | |||||||||
| P/E | 6.15 | 6.15 | 10.01 | 10.15 | 10.66 | — | — | — | — |
| P/B | 0.98 | 0.98 | 1.32 | 1.23 | 0.91 | — | — | — | — |
| Growth & Yield | |||||||||
| Revenue Growth | 47.1% | 47.1% | 36.2% | 70.5% | — | — | — | — | — |
| EPS Growth | 44.0% | 44.0% | 25.7% | 61.7% | — | 155.5% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-17.7%
EPS terminal req.
$1.53
Spread vs growth
61.7%
5Y implied EPS CAGR
-7.6%
EPS terminal req.
$1.86
Spread vs growth
51.5%
10Y implied EPS CAGR
0.8%
EPS terminal req.
$2.99
Spread vs growth
43.1%
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
+3.2%
Start / end P/E
8.8x → 6.3x
EPS bridge
1.91 → 2.75
Residual
-12.4%
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.