Financial Services / Banks - DiversifiedNYSE
$77.17
-0.37 (-0.48%)
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 44.0/100
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
31/100
D
Piotroski
2/9
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
$236.2B
P/E
11.9x
↓EV/EBITDA
N/A
•ROE
11.8%
↑Gross Margin
N/A
•Debt/Equity
1.07
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
+4.9%
FCF CAGR
—
FCF margin
-22.7%
FCF / Net income
-0.89x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $83.70B · net income $21.34B · FCF $-19.00B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||||
| Revenue | $83.70B | $83.70B | $82.30B | $82.60B | $74.37B | $79.17B | $74.26B | $85.06B | $86.41B | $88.39B | $88.27B | $49.28B | $47.55B | $47.09B | $48.39B | $49.41B | $52.80B | $56.27B | $34.90B | $35.18B |
| Net Income | $21.34B | $21.34B | $19.72B | $19.14B | $13.68B | $22.11B | $3.38B | $19.71B | $22.39B | $22.18B | $21.94B | $22.89B | $23.06B | $21.88B | $18.90B | $15.87B | $12.36B | $12.28B | $2.65B | $8.06B |
| EPS | 6.26 | 6.26 | 5.37 | 4.83 | 3.14 | 5.08 | 0.43 | 4.09 | 4.28 | 4.10 | 3.99 | 4.12 | 4.10 | 3.89 | 3.36 | 2.82 | 2.21 | 1.75 | 0.70 | 2.38 |
| Net Margin | 25.5% | 25.5% | 24.0% | 23.2% | 18.4% | 27.9% | 4.5% | 23.2% | 25.9% | 25.1% | 24.9% | 46.5% | 48.5% | 46.5% | 39.1% | 32.1% | 23.4% | 21.8% | 7.6% | 22.9% |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 1.07 | 1.07 | 0.98 | 1.18 | 1.08 | 0.86 | 1.15 | 1.22 | 1.17 | 1.09 | 1.28 | 1.03 | 1.00 | 0.90 | 0.81 | 0.89 | 1.24 | 1.82 | 2.70 | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $-19.00B | $-19.00B | $3.04B | $40.36B | $27.05B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||||
| ROE | 11.8% | 11.8% | 11.0% | 10.3% | 7.6% | 11.8% | 1.8% | 10.5% | 11.4% | 10.7% | 11.0% | 11.9% | 12.5% | 12.9% | 12.0% | 11.3% | 9.8% | 11.0% | 2.7% | — |
| Valuation | ||||||||||||||||||||
| P/E | 11.93 | 11.93 | 13.28 | 10.34 | 13.63 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.38 | 1.38 | 1.38 | 1.00 | 0.91 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | 1.7% | 1.7% | -0.4% | 11.1% | — | 6.6% | -12.7% | -1.6% | -2.2% | 0.1% | 79.1% | 3.6% | 1.0% | -2.7% | -2.1% | -6.4% | -6.2% | 61.3% | -0.8% | — |
| EPS Growth | 16.6% | 16.6% | 11.2% | 53.8% | — | 1081.4% | -89.5% | -4.4% | 4.4% | 2.8% | -3.2% | 0.5% | 5.4% | 15.8% | 19.1% | 27.6% | 26.3% | 150.0% | -70.6% | — |
| Dividend Yield | 2.3% | 2.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
3.0%
EPS terminal req.
$6.85
Spread vs growth
13.5%
5Y implied EPS CAGR
5.8%
EPS terminal req.
$8.29
Spread vs growth
10.8%
10Y implied EPS CAGR
7.9%
EPS terminal req.
$13.34
Spread vs growth
8.7%
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
+5.5%
Start / end P/E
13.9x → 12.3x
EPS bridge
5.37 → 6.26
Residual
-1.9%
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.