Financial Services / Credit ServicesNasdaqGS
$168.43
+0.72 (+0.43%)
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 73.0/100
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
42/100
C
Piotroski
7/9
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
$758M
P/E
24.2x
↑EV/EBITDA
N/A
•ROE
20.4%
↑Gross Margin
N/A
•Debt/Equity
1.20
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2010–2025 · 15 años de histórico normalizado
Revenue CAGR
+1.1%
FCF CAGR
+2.3%
FCF margin
48.0%
FCF / Net income
2.79x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $522.1M · net income $89.7M · FCF $250.5M
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | $522.1M | $522.1M | $525.0M | $566.1M | $551.8M | $528.0M | $590.0M | $544.5M | $502.7M | $490.8M | $557.5M | $610.2M | $599.3M | $563.6M | $540.2M | $491.4M | $440.6M |
| Net Income | $89.7M | $89.7M | $77.3M | $21.2M | $53.9M | $88.3M | $28.2M | $37.2M | $53.7M | $73.6M | $87.4M | $110.8M | $106.6M | $104.1M | $100.7M | $91.2M | $73.7M |
| EPS | 16.30 | 16.30 | 13.02 | 3.41 | 8.47 | 13.23 | 3.54 | 4.05 | 5.99 | 8.38 | 10.05 | 11.90 | 9.60 | 8.00 | 6.59 | 5.63 | 4.45 |
| Net Margin | 17.2% | 17.2% | 14.7% | 3.8% | 9.8% | 16.7% | 4.8% | 6.8% | 10.7% | 15.0% | 15.7% | 18.2% | 17.8% | 18.5% | 18.6% | 18.6% | 16.7% |
| Balance Sheet | |||||||||||||||||
| Debt/Equity | 1.20 | 1.20 | 1.36 | 1.76 | 2.09 | 1.00 | 1.10 | 0.46 | 0.45 | 0.64 | 0.96 | 1.59 | 1.64 | 1.09 | 0.67 | — | — |
| Current Ratio | 23.57 | 23.57 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||
| Free Cash Flow | $250.5M | $250.5M | $259.9M | $285.7M | $266.4M | $215.3M | $269.7M | $234.9M | $208.9M | $212.5M | $197.4M | $233.3M | $238.5M | $225.1M | $212.5M | $193.4M | $178.4M |
| Returns | |||||||||||||||||
| ROE | 20.4% | 20.4% | 18.2% | 5.5% | 14.5% | 21.8% | 6.8% | 6.7% | 9.9% | 16.0% | 22.3% | 35.1% | 34.7% | 28.4% | 24.0% | 20.6% | 19.2% |
| Valuation | |||||||||||||||||
| P/E | 24.20 | 24.20 | 10.70 | 23.77 | 22.20 | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 2.11 | 2.11 | 1.95 | 1.31 | 3.21 | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | |||||||||||||||||
| Revenue Growth | -0.5% | -0.5% | -7.3% | 2.6% | — | -10.5% | 8.4% | 8.3% | 2.4% | -12.0% | -8.6% | 1.8% | 6.3% | 4.3% | 9.9% | 11.5% | — |
| EPS Growth | 25.2% | 25.2% | 282.2% | -59.8% | — | 273.7% | -12.6% | -32.4% | -28.5% | -16.6% | -15.5% | 24.0% | 20.0% | 21.4% | 17.1% | 26.5% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-2.9%
EPS terminal req.
$14.95
Spread vs growth
28.0%
5Y implied EPS CAGR
2.1%
EPS terminal req.
$18.08
Spread vs growth
23.1%
10Y implied EPS CAGR
6.0%
EPS terminal req.
$29.12
Spread vs growth
19.2%
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
+8.3%
Start / end P/E
11.9x → 10.3x
EPS bridge
13.02 → 16.30
Residual
-3.4%
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.