Financial Services / Credit ServicesNYSE
$1.34
-0.02 (-1.47%)
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
35/100
D
Piotroski
4/9
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
$117M
P/E
14.9x
↑EV/EBITDA
N/A
•ROE
0.6%
↓Gross Margin
86.3%
↑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
+18.5%
FCF CAGR
-28.4%
FCF margin
11.9%
FCF / Net income
12.43x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $5.72B · net income $54.5M · FCF $677.9M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $5.72B | $5.72B | $5.81B | $4.90B | $3.43B |
| Net Income | $54.5M | $54.5M | $1.58B | $2.08B | $1.19B |
| EBITDA | $-191.2M | $-191.2M | $1.68B | $2.62B | $1.52B |
| EPS | 0.62 | 0.62 | 18.11 | 23.28 | 13.63 |
| Gross Margin | 86.3% | 86.3% | 84.8% | 80.1% | 77.4% |
| Operating Margin | -3.9% | -3.9% | 28.4% | 53.0% | 42.9% |
| Net Margin | 1.0% | 1.0% | 27.3% | 42.5% | 34.8% |
| Balance Sheet | |||||
| Debt/Equity | 0.01 | 0.01 | 0.00 | 0.00 | 0.13 |
| Current Ratio | 23.98 | 23.98 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $677.9M | $677.9M | $1.41B | $2.17B | $1.85B |
| Returns | |||||
| ROE | 0.6% | 0.6% | 16.6% | 25.7% | 19.8% |
| Valuation | |||||
| P/E | 14.89 | 14.89 | 0.28 | 0.17 | 0.15 |
| EV/EBITDA | — | — | -2.01 | -2.07 | -2.15 |
| P/B | 0.01 | 0.01 | 0.05 | 0.04 | 0.03 |
| Growth & Yield | |||||
| Revenue Growth | -1.5% | -1.5% | 18.6% | 42.5% | — |
| EPS Growth | -96.6% | -96.6% | -22.2% | 70.9% | — |
| Dividend Yield | 27.2% | 27.2% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-42.5%
EPS terminal req.
$0.12
Spread vs growth
-54.1%
5Y implied EPS CAGR
-25.4%
EPS terminal req.
$0.14
Spread vs growth
-71.1%
10Y implied EPS CAGR
-9.4%
EPS terminal req.
$0.23
Spread vs growth
-87.1%
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.
Total return
-51.4%
Start / end P/E
0.3x → 2.1x
EPS bridge
18.11 → 0.62
Residual
-503.0%
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.