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| 2024 | 2025 | |
|---|---|---|
| Revenue | 79 | 113 |
| Net income | 8 | 22 |
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 10.7% | 19.6% |
| EPS | 0.82 | 2.15 |
| Free cash flow | -258 | 23 |
| Net debt | — | — |
| P/E | — | — |
A what-if tool for a 5–10 year investor, not an answer: change the assumptions and see what they do.
DCF on free cash flow does not apply to banks and insurers: debt and loans are their raw material. Look at P/B, ROE and loan quality.