Financial Services / Insurance - DiversifiedNYSE
$1.40
-0.01 (-0.71%)
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 37.0/100
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
53/100
C
Piotroski
7/9
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
$503M
P/E
6.4x
↓EV/EBITDA
0.3x
↓ROE
11.0%
↑Gross Margin
44.0%
↓Debt/Equity
0.01
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+12.4%
FCF CAGR
-34.2%
FCF margin
5.4%
FCF / Net income
0.38x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $3.98B · net income $568.9M · FCF $214.3M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $3.98B | $3.98B | $2.77B | $2.63B | $2.80B |
| Net Income | $568.9M | $568.9M | $367.5M | $167.2M | $607.7M |
| EBITDA | $384.8M | $384.8M | $189.7M | $6.8M | $501.0M |
| EPS | 1.50 | 1.50 | 1.00 | 0.40 | 1.50 |
| Gross Margin | 44.0% | 44.0% | 41.8% | 39.7% | 52.3% |
| Operating Margin | 9.3% | 9.3% | 6.4% | -0.3% | 17.1% |
| Net Margin | 14.3% | 14.3% | 13.3% | 6.4% | 21.7% |
| Balance Sheet | |||||
| Debt/Equity | 0.01 | 0.01 | 0.05 | 0.04 | 0.00 |
| Current Ratio | 2.10 | 2.10 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $214.3M | $214.3M | $218.8M | $393.0M | $753.8M |
| Returns | |||||
| ROE | 11.0% | 11.0% | 7.7% | 3.6% | 12.8% |
| Valuation | |||||
| P/E | 6.36 | 6.36 | 1.16 | 2.64 | 2.20 |
| EV/EBITDA | 0.28 | 0.28 | -1.64 | 30.87 | -0.46 |
| P/B | 0.10 | 0.10 | 0.09 | 0.09 | 0.28 |
| Growth & Yield | |||||
| Revenue Growth | 43.5% | 43.5% | 5.4% | -6.1% | — |
| EPS Growth | 50.0% | 50.0% | 150.0% | -73.3% | — |
| Dividend Yield | 4.3% | 4.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-56.4%
EPS terminal req.
$0.12
Spread vs growth
106.4%
5Y implied EPS CAGR
-36.9%
EPS terminal req.
$0.15
Spread vs growth
86.9%
10Y implied EPS CAGR
-16.7%
EPS terminal req.
$0.24
Spread vs growth
66.7%
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
+5.7%
Start / end P/E
1.4x → 0.9x
EPS bridge
1.00 → 1.50
Residual
-16.2%
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.