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Últimos 20 reportes · 10-K · 10-K/A · 10-Q · 8-K · Fuente: SEC EDGAR
Accede al análisis completo con tu suscripción
SEC CIK: 0001805284
| Métrica | LTM sept 26 | 2025 | 2024 | 2023 | 🔒Premium | 🔒Premium | 🔒Premium | 🔒Premium | 🔒Premium |
|---|---|---|---|---|---|---|---|---|---|
| INGRESOS / INTERESES | |||||||||
| Interest Income | 501.000M | 501.000M | 413.000M | 327.000M | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Net Interest Income (NII) | 1.669B | 125.000M | 98.000M | 121.000M | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Servicing Fee Income | 4.283B | 2.317B | 1.462B | 1.402B | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Gain on Sale of Loans | 4.801B | 3.807B | 3.013B | 2.066B | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Ingresos Totales | 11.701B | 6.695B | 5.101B | 3.799B | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| RESULTADO Y EPS | |||||||||
| Pretax Income | 1.808B | -214.000M | 668.000M | -403.000M | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Tax Expense | 504.826M | 20.000M | 32.000M | -13.000M | 🔒 | 🔒 | 🔒 | 🔒 | |
| FLUJO DE CAJA | |||||||||
| Cash Flow Operativo (CFO) | 1.320B | -3.927B | -2.630B | 111.000M | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| CapEx | 159.988M | 91.000M | 68.000M | 60.000M | 🔒 | 🔒 | 🔒 | 🔒 | |
| BALANCE — CARTERA Y SERVICING | |||||||||
| Cash & Equivalentes | 2.699B | 2.696B | 1.273B | 1.108B | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| MBS Available-for-Sale | 38.201M | — | — | — | 🔒 | 🔒 | 🔒 | 🔒 | |
| BALANCE — PASIVOS Y EQUITY | |||||||||
| Deuda Largo Plazo | 10.716B | — | — | — | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Secured Debt (warehouse) | 14.187B | 14.155B | 6.801B | 3.367B | 🔒 | 🔒 | 🔒 | 🔒 | |
| CALIDAD CREDITICIA | |||||||||
| Provision for Credit Losses | 0.00 | 0.00 | 0.00 | 0.00 | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| RATIOS | |||||||||
| Margen Neto | 11.1% | -1.0% | 0.6% | -0.4% | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| FCF Margin | 9.9% | -60.0% | -52.9% | 1.3% | 🔒 | 🔒 | 🔒 | 🔒 | |
Cifras en miles de millones (B) · Fuente: SEC/EDGAR
| 🔒 |
| Beneficio Neto | 1.304B | -68.000M | 29.000M | -16.000M | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| NI Disponible al Común | 239.383M | -68.000M | 29.000M | -16.000M | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Comprehensive Income | 1.298B | -68.000M | 29.000M | -16.000M | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| EPS Diluido | 0.55 | -0.05 | 0.21 | -0.15 | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| EPS Básico | 0.56 | -0.05 | 0.21 | -0.12 | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| 🔒 |
| Free Cash Flow (FCF) | 1.160B | -4.018B | -2.698B | 51.000M | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Recompras de acciones | 0.00 | — | 0.00 | 0.00 | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Originaciones (volumen) | 184.525B | 129.070B | 100.481B | 78.281B | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| 🔒 |
| Loans Held for Sale | 13.218B | 15.471B | 9.020B | 6.542B | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| MSR Fair Value | 20.257B | 19.442B | 7.633B | 6.440B | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Goodwill | 10.686B | 10.611B | 1.136B | 1.100B | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Intangibles | 1.880B | 2.224B | 91.000M | 100.473M | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Activo Total | 60.154B | 60.685B | 24.510B | 19.232B | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| 🔒 |
| Deuda Total | 24.903B | 14.155B | 6.801B | 3.367B | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Pasivo Total | 35.843B | 37.787B | 15.467B | 10.930B | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Patrimonio Neto | 24.311B | 22.898B | 9.043B | 8.302B | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| AOCI (acumulado) | -1.719M | — | -48.000K | 52.000K | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| TBV (Tangible Book Value) | 11.745B | 10.063B | 7.816B | 7.102B | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| BVPS (Book Value/Share) | 30455.33 | — | — | — | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| TBVPS (Tangible BV/Share) | 14713.42 | — | — | — | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| ROE (avg equity) | 5.5% | -0.4% | 0.3% | -0.2% | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| ROTE (avg tangible equity) | 12.0% | -0.8% | 0.4% | -0.2% | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Apalancamiento (A/E) | 2.47x | 2.65x | 2.71x | 2.32x | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Effective Tax Rate | 27.9% | -9.3% | 4.8% | 3.2% | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
| Debt / Equity Ratio | 1.02x | 0.62x | 0.75x | 0.41x | 🔒 | 🔒 | 🔒 | 🔒 | 🔒 |
Precio actual · USD
$13.89
P/E LTM
25.25
Margen Neto
11.1%
FCF Margin
9.9%
ROE (avg equity)
5.5%
ROTE (avg tangible equity)
12.0%
Apalancamiento (A/E)
2.47x
Effective Tax Rate
27.9%
Debt / Equity Ratio
1.02x
Consenso de Analistas
Precio Objetivo — 12 meses
$13.00
Mínimo
-6.4%
$15.00
Mediana
+8.0%
$14.91
Promedio
+7.3%
$17.00
Máximo
+22.4%