Financial Services / Banks - RegionalFrankfurt
$0.86
+0.05 (+5.78%)
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 55.0/100
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
34/100
D
Piotroski
3/9
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
$559M
P/E
10.8x
↓EV/EBITDA
N/A
•ROE
10.1%
↑Gross Margin
N/A
•Debt/Equity
1.72
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+10.5%
FCF CAGR
—
FCF margin
166.6%
FCF / Net income
5.23x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $190.5M · net income $60.7M · FCF $317.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $190.5M | $190.5M | $203.2M | $180.6M | $141.0M |
| Net Income | $60.7M | $60.7M | $78.8M | $75.4M | $67.4M |
| EPS | 0.09 | 0.09 | 0.12 | 0.13 | 0.11 |
| Net Margin | 31.9% | 31.9% | 38.8% | 41.7% | 47.8% |
| Balance Sheet | |||||
| Debt/Equity | 1.72 | 1.72 | 0.78 | 0.57 | 0.46 |
| Cash Flow | |||||
| Free Cash Flow | $317.4M | $317.4M | $-535.1M | $51.3M | $-363.7M |
| Returns | |||||
| ROE | 10.1% | 10.1% | 13.5% | 13.9% | 15.2% |
| Valuation | |||||
| P/E | 10.81 | 10.81 | 7.42 | 5.12 | 6.10 |
| P/B | 0.95 | 0.95 | 1.01 | 0.74 | 0.91 |
| Growth & Yield | |||||
| Revenue Growth | -6.3% | -6.3% | 12.6% | 28.0% | — |
| EPS Growth | -25.0% | -25.0% | -7.7% | 18.2% | — |
| Dividend Yield | 5.1% | 5.1% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-5.2%
EPS terminal req.
$0.08
Spread vs growth
-19.8%
5Y implied EPS CAGR
0.6%
EPS terminal req.
$0.09
Spread vs growth
-25.6%
10Y implied EPS CAGR
5.2%
EPS terminal req.
$0.15
Spread vs growth
-30.2%
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
+13.9%
Start / end P/E
7.0x → 10.2x
EPS bridge
0.12 → 0.09
Residual
-11.3%
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.