Estados financieros detallados de Broadway Financial Corp. (BYFC): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Broadway Financial Corp. registró ingresos de $63.0M en el último ejercicio fiscal, con un CAGR de 5 años del 27.6%.
Márgenes de los últimos 12 meses: margen bruto 52.9%, margen operativo -26.4%, margen neto -29.3%.
Al precio actual de $11.86, BYFC presenta beneficios negativos (P/E no significativo) y un ROE del -7.74%. La capitalización bursátil es de $110M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $16.1M | $17.4M | $15.9M | $17.7M | $18.7M | $28.0M | $37.5M | $52.6M | $65.5M | $63.0M |
| Coste de Ventas | $3.3M | $3.2M | $3.7M | $6.4M | $5.5M | $3.9M | $4.4M | $18.7M | $32.8M | $30.3M |
| Beneficio Bruto | $12.8M | $14.2M | $12.3M | $11.3M | $13.2M | $24.0M | $33.1M | $33.9M | $32.7M | $32.7M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $8.3M | $8.4M | $8.3M | $8.7M | $10.0M | $16.4M | $14.7M | $16.1M | $17.8M | $19.1M |
| Gastos Operativos | $11.5M | $10.4M | $11.4M | $11.9M | $14.2M | $28.9M | $24.9M | $27.4M | $29.9M | $57.2M |
| Beneficio Operativo | $1.3M | $3.7M | $871000 | -$551000 | -$1.0M | -$4.9M | $8.1M | $6.5M | $2.8M | -$24.5M |
| EBITDA | $1.5M | $4.0M | $1.1M | -$324000 | -$928000 | -$4.2M | $8.9M | $7.3M | $3.5M | -$24.2M |
| Gastos por Intereses | $3.9M | $4.3M | $4.9M | $6.4M | $5.5M | $3.7M | $3.4M | $17.8M | $32.2M | $28.1M |
| Beneficio Antes de Impuestos | $1.3M | $3.7M | $871000 | -$551000 | -$1.0M | -$4.9M | $8.1M | $6.5M | $2.8M | -$24.5M |
| Impuestos | -$2.2M | $1.9M | $56000 | -$345000 | -$407000 | -$937000 | $2.4M | $2.0M | $815000 | $338000 |
| Beneficio Neto | $3.5M | $1.9M | $815000 | -$206000 | -$642000 | -$4.0M | $5.6M | $4.5M | $1.9M | -$24.8M |
| BPA | $0.96 | $0.56 | $0.24 | $-0.06 | $-0.19 | $-0.54 | $0.64 | $0.52 | $0.04 | $-3.23 |
| BPA Diluido | $0.96 | $0.56 | $0.24 | $-0.06 | $-0.19 | $-0.54 | $0.64 | $0.51 | $0.04 | $-3.23 |
| Acciones en Circulación (Diluidas) | $3.6M | $3.3M | $3.3M | $3.4M | $3.4M | $7.5M | $8.8M | $8.7M | $9.0M | $8.6M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $16.2M | $17.0M | $17.3M | $18.8M |
| Beneficio Bruto | $8.4M | $9.4M | $10.0M | $9.0M |
| Beneficio Operativo | -$23.2M | $1.4M | $1.9M | $1.5M |
| EBITDA | -$23.0M | $1.6M | $2.1M | $1.5M |
| Beneficio Neto | -$23.9M | $1.0M | $1.6M | $968000 |
| BPA | $-2.86 | $0.03 | $0.09 | $0.03 |
| BPA Diluido | $-2.86 | $0.03 | $0.09 | $0.02 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $18.4M | $22.2M | $16.7M | $15.6M | $96.1M | $231.5M | $16.1M | $105.2M | $61.4M | $10.5M |
| Inversiones a Corto | $13.2M | $17.5M | $14.7M | $11.0M | $10.7M | $156.4M | $328.7M | $316.9M | $203.9M | $11.8M |
| Cuentas por Cobrar | $1.2M | $1.1M | $1.1M | $1.2M | $1.2M | $3.4M | $4.0M | $4.9M | $5.0M | $6.0M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $32.8M | $40.8M | $32.5M | $27.8M | $108.0M | $391.3M | $348.8M | $427.1M | $270.2M | $28.3M |
| Inmovilizado Material | $2.5M | $2.4M | $2.2M | $2.8M | $2.5M | $10.3M | $10.3M | $9.2M | $8.9M | $8.7M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | $26.0M | $25.9M | $25.9M | $25.9M | 0 |
| Activos Intangibles | 0 | 0 | 0 | 0 | 0 | $2.9M | $2.5M | $2.1M | $1.8M | $1.5M |
| Activos Totales | $429.1M | $413.7M | $409.4M | $440.4M | $483.4M | $1.09B | $1.18B | $1.41B | $1.33B | $1.35B |
| Cuentas por Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | $52.0M | $63.5M | $73.5M | $66.6M | $80.8M |
| Pasivos Corrientes | $292.6M | $294.8M | $284.8M | $302.2M | $319.9M | $852.5M | $762.3M | $756.1M | $812.0M | $998.4M |
| Deuda a Largo | $90.1M | $70.1M | $75.1M | $88.3M | $113.8M | $100.0M | $142.3M | $354.8M | $226.9M | $72.0M |
| Pasivos Totales | $383.6M | $366.0M | $361.0M | $391.5M | $434.5M | $952.4M | $904.6M | $1.12B | $1.05B | $1.08B |
| Reservas | $6.0M | $7.8M | $8.6M | $8.4M | $7.8M | $3.7M | $9.3M | $12.4M | $12.7M | -$15.2M |
| Patrimonio Neto | $45.5M | $47.7M | $48.4M | $48.8M | $48.9M | $141.0M | $279.5M | $281.7M | $285.0M | $262.8M |
| Deuda Total | $90.1M | $70.1M | $75.1M | $88.3M | $113.8M | $151.9M | $205.8M | $428.2M | $293.5M | $152.8M |
| Deuda Neta | $58.5M | $30.4M | $43.7M | $61.8M | $7.0M | -$236.0M | -$139.0M | $6.1M | $28.3M | $130.4M |
| Capital Circulante | -$259.8M | -$254.0M | -$252.3M | -$274.4M | -$211.9M | -$461.2M | -$413.5M | -$329.0M | -$541.8M | -$970.1M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $19.7M | $10.5M | $26.6M | $48.9M |
| Activos Totales | $1.34B | $1.35B | $1.43B | $1.56B |
| Pasivos Totales | $1.07B | $1.08B | $1.16B | $1.30B |
| Patrimonio Neto | $261.7M | $262.8M | $262.5M | $262.3M |
| Deuda Total | $213.8M | $152.8M | $81.2M | $175.9M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $3.5M | $1.9M | $815000 | -$206000 | -$642000 | -$3.9M | $5.7M | $4.5M | $2.0M | -$24.8M |
| Amortizaciones | $251000 | $256000 | $241000 | $227000 | $121000 | $680000 | $811000 | $775000 | $760000 | $725000 |
| Compensación en Acciones | $32000 | $380000 | $200000 | $372000 | $492000 | $524000 | $283000 | $396000 | $593000 | $168000 |
| Cambio en Capital Circulante | -$513000 | $841000 | $136000 | $48000 | -$234000 | $2.4M | -$565000 | $1.9M | -$1.9M | -$179000 |
| Flujo de Caja Operativo | $930000 | -$10.2M | $234000 | $8.5M | -$13.6M | $624000 | $6.3M | $7.6M | $1.4M | $230000 |
| Inversiones (CapEx) | -$160000 | -$183000 | -$77000 | -$41000 | -$415000 | -$1.1M | -$323000 | -$208000 | -$138000 | -$243000 |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | $84.7M | 0 | 0 | 0 | 0 |
| Recompra de Acciones | -$4.0M | 0 | 0 | 0 | 0 | 0 | 0 | -$1.8M | 0 | 0 |
| Dividendos Pagados | 0 | 0 | 0 | 0 | 0 | -$60000 | -$15000 | 0 | -$1.6M | -$3.0M |
| Flujo de Caja Libre | $770000 | -$10.4M | $157000 | $8.5M | -$14.0M | -$514000 | $6.0M | $7.4M | $1.3M | -$13000 |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $3.8M | -$2.3M | $1.1M | $4.0M |
| Inversiones (CapEx) | -$106000 | -$109000 | -$33000 | -$311000 |
| Flujo de Caja Libre | $3.7M | -$2.4M | $1.1M | $3.7M |
| Dividendos Pagados | -$750000 | -$750000 | -$750000 | -$750000 |
| Compensación en Acciones | -$309000 | $458000 | $168000 | 0 |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +8.3% | -8.6% | +11.3% | +5.3% | +49.8% | +34.0% | +40.4% | +24.6% | -3.8% |
| Crecimiento Beneficio Neto (anual) | | -46.3% | -56.4% | -125.3% | -211.7% | -530.8% | +239.2% | -19.9% | -57.3% | -1385.4% |
| Crecimiento BPA (anual) | | -41.7% | -57.1% | -125.6% | -209.4% | -184.2% | +218.5% | -18.8% | -92.3% | -8175.0% |
| Cambio en Acciones (anual) | | -8.1% | +0.0% | +0.3% | +1.2% | +121.4% | +17.1% | -0.7% | +2.7% | -4.0% |
| Crecimiento FCF (anual) | | -1451.8% | +101.5% | +5308.9% | -264.5% | +96.3% | +1267.5% | +23.1% | -83.0% | -101.0% |
| Margen Bruto | 79.3% | 81.4% | 76.9% | 64.0% | 70.5% | 86.0% | 88.2% | 64.4% | 49.9% | 51.9% |
| Margen Operativo | 7.8% | 21.4% | 5.5% | -3.1% | -5.6% | -17.5% | 21.7% | 12.4% | 4.2% | -38.8% |
| Margen EBITDA | 9.4% | 22.9% | 7.0% | -1.8% | -5.0% | -15.0% | 23.8% | 13.9% | 5.4% | -38.3% |
| Margen Neto | 21.6% | 10.7% | 5.1% | -1.2% | -3.4% | -14.5% | 15.0% | 8.6% | 2.9% | -39.3% |
| Margen FCF | 4.8% | -59.7% | 1.0% | 47.9% | -74.8% | -1.8% | 16.0% | 14.0% | 1.9% | -0.0% |
| Tasa Impositiva Efectiva | -177.3% | 49.9% | 6.4% | 62.6% | 38.8% | 19.2% | 29.7% | 30.4% | 29.4% | -1.4% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $0.21 | $-3.11 | $0.05 | $2.53 | $-4.11 | $-0.07 | $0.68 | $0.84 | $0.14 | $-0.00 |
| Dividendo por Acción | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.01 | $0.00 | $0.00 | $0.17 | $0.35 |
| Acciones en Circulación (Básicas) | $3.6M | $3.3M | $3.3M | $3.4M | $3.4M | $7.5M | $8.8M | $8.6M | $9.0M | $8.6M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | -7.74% |
| Rentabilidad sobre capital invertido | -4.08% |
| Rentabilidad sobre activos | -1.30% |
| Margen bruto | 52.91% |
| Margen operativo | -26.45% |
| Margen neto | -29.33% |
Salud financiera
| Deuda / Patrimonio | 0.67 |
| Ratio corriente | 0.30 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 13.67 | 33.71 | 35.00 | -200.65 | -77.89 | -34.22 | 12.62 | 13.06 | 171.25 | -2.29 |
| P/VC | 1.04 | 1.32 | 0.58 | 0.85 | 1.03 | 0.99 | 0.25 | 0.21 | 0.22 | 0.24 |
| P/V | 2.96 | 3.61 | 1.76 | 2.33 | 2.69 | 4.97 | 1.90 | 1.11 | 0.94 | 1.01 |
| Margen Bruto | 79.3% | 81.4% | 76.9% | 64.0% | 70.5% | 86.0% | 88.2% | 64.4% | 49.9% | 51.9% |
| Margen Operativo | 7.8% | 21.4% | 5.5% | -3.1% | -5.6% | -17.5% | 21.7% | 12.4% | 4.2% | -38.8% |
| Margen Neto | 21.6% | 10.7% | 5.1% | -1.2% | -3.4% | -14.5% | 15.0% | 8.6% | 2.9% | -39.3% |