Financial Services / Insurance BrokersSão Paulo
$7.75
-0.10 (-1.27%)
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 100.0/100
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
48/100
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
$1.2B
P/E
6.4x
↓EV/EBITDA
N/A
•ROE
28.8%
↑Gross Margin
N/A
•Debt/Equity
0.57
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+15.9%
FCF CAGR
+10.2%
FCF margin
30.5%
FCF / Net income
2.48x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.64B · net income $201.1M · FCF $498.9M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $1.64B | $1.64B | $1.51B | $1.35B | $1.05B |
| Net Income | $201.1M | $201.1M | $160.1M | $141.6M | $130.7M |
| EPS | 1.26 | 1.26 | 1.00 | 0.89 | 0.82 |
| Net Margin | 12.3% | 12.3% | 10.6% | 10.5% | 12.4% |
| Balance Sheet | |||||
| Debt/Equity | 0.57 | 0.57 | 0.65 | 0.76 | 1.02 |
| Current Ratio | 1.06 | 1.06 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $498.9M | $498.9M | $484.9M | $357.7M | $372.6M |
| Returns | |||||
| ROE | 28.8% | 28.8% | 29.3% | 29.4% | 34.4% |
| Valuation | |||||
| P/E | 6.35 | 6.35 | 5.16 | 7.62 | 8.53 |
| P/B | 1.78 | 1.78 | 1.51 | 2.24 | 2.94 |
| Growth & Yield | |||||
| Revenue Growth | 8.5% | 8.5% | 11.7% | 28.3% | — |
| EPS Growth | 25.6% | 25.6% | 13.1% | 8.4% | — |
| Dividend Yield | 8.0% | 8.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-18.2%
EPS terminal req.
$0.69
Spread vs growth
43.8%
5Y implied EPS CAGR
-7.9%
EPS terminal req.
$0.83
Spread vs growth
33.5%
10Y implied EPS CAGR
0.6%
EPS terminal req.
$1.34
Spread vs growth
24.9%
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
+15.4%
Start / end P/E
7.2x → 6.2x
EPS bridge
1.00 → 1.26
Residual
-3.7%
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.