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VRNA.JK$74.00+1.37%
Fair $74.00+0.0%

VRNA.JK

PT Mizuho Leasing Indonesia Tbk

Financial Services / Credit ServicesJakartaID

$74.00

+1.00 (+1.37%)

Fairly Valued+0.0%Fair Value $74.00Fund rank 17/100 · Data gapFallback financials|
SA 18/F
F-Score: 6/9
High DebtLow Profitability

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 2.0/100

Data gap 17/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 8/100Data QA 20/100

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.

Quality + valuation scorecard

SA Score

18/100

F

Piotroski

6/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: eodhdPeriods: 19Warnings: 2eodhd: 19
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. Debt-to-Equity ratio is 3.12, above the 2.0 threshold ROE is 0.4%, below the 5% threshold
Thesis & Journal · VRNA.JKLocal privado en este navegador · PT Mizuho Leasing Indonesia Tbk
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$420.9B

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

0.4%

↓

Gross Margin

92.4%

↑

Debt/Equity

3.12

↑
52-Week Range$74
$63$120

TradingView lightweight chart

VRNA.JK price, volumen y niveles de valoración

Último $74.00Periodo -3.6%
Fair value: $74.00

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2007–2025 · 18 años de histórico normalizado

Revenue CAGR

+10.9%

FCF CAGR

—

FCF margin

19.5%

FCF / Net income

30.24x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $448.82B · net income $2.89B · FCF $87.46B

2007-FY → 2025-FY

Gross margin

92.4%— pts

Operating margin

31.3%-7.4% pts

Net margin

0.6%— pts

FCF margin

19.5%— pts
MetricTTM
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
Income Statement
Revenue$448.82B$448.82B$468.65B$225.96B$333.06B$302.89B$309.73B$330.67B$225.47B$325.28B$335.27B$377.79B$121.72B$149.17B$130.33B$232.81B$188.40B$146.40B$134.19B$70.08B
Net Income$2.89B$2.89B$-2.16B$61.15B$62.05B$-7.77B$3.00B$1.77B$-193.29B$10.33B$9.31B$2.42B$24.48B$34.55B$33.09B$24.65B$25.91B$16.22B$11.93B—
EBITDA$155.76B$155.76B$148.27B$185.27B$134.47B$84.45B$124.74B$9.87B$10.44B$12.37B$11.31B$23.60B$12.36B$16.33B$13.39B—————
EPS0.510.51-0.3810.7510.91-1.370.530.31-74.563.446.422.4023.9034.3032.8424.4727.90———
Gross Margin92.4%92.4%96.2%100.0%94.3%94.3%94.6%97.8%98.2%100.0%100.0%100.0%100.0%100.0%100.0%—————
Operating Margin31.3%31.3%27.8%74.1%34.7%0.9%34.9%46.1%1.8%4.5%5.3%1.3%14.9%20.0%23.8%63.4%60.0%57.3%53.9%38.6%
Net Margin0.6%0.6%-0.5%27.1%18.6%-2.6%1.0%0.5%-85.7%3.2%2.8%0.6%20.1%23.2%25.4%10.6%13.8%11.1%8.9%—
Balance Sheet
Debt/Equity3.123.123.190.314.374.735.464.908.150.015.187.095.956.965.365.183.973.253.855.31
Current Ratio1.511.51—3.616.0518.3912.0811.570.805.470.910.491.145.119.25—————
Cash Flow
Free Cash Flow$87.46B$87.46B$-415.69B$-321.45B$-28.65B$308.23B$-14.01B$195.49B$-90.82B$102.01B$114.19B$191.88B$-56.83B$-186.42B$-380.57B—————
Returns
ROE0.4%0.4%-0.3%8.1%9.0%-1.2%0.5%0.3%-71.3%0.6%3.2%0.9%8.7%13.5%15.1%13.3%16.1%12.0%10.1%—
Growth & Yield
Revenue Growth-4.2%-4.2%107.4%-32.2%10.0%-2.2%-6.3%46.7%-30.7%-3.0%-11.3%210.4%-18.4%14.5%-44.0%23.6%28.7%9.1%91.5%—
EPS Growth234.2%234.2%-103.5%-1.4%899.0%-359.2%69.1%100.4%-2265.6%-46.4%167.3%-90.0%-30.3%4.4%34.2%-12.3%————

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

134.6%

muy exigente

EPS terminal req.

$6.57

Spread vs growth

99.6%

5Y implied EPS CAGR

73.3%

muy exigente

EPS terminal req.

$7.95

Spread vs growth

160.9%

10Y implied EPS CAGR

38.1%

muy exigente

EPS terminal req.

$12.80

Spread vs growth

196.1%

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.

Return attribution · 1Y approxreconcilia total -7.5%

Total return

-7.5%

Start / end P/E

n/dx → n/dx

EPS bridge

-0.38 → 0.51

Residual

-7.5%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term-7.5%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

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.