Estados financieros detallados de Plutus Financial Group Limited (PLUT): 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
Plutus Financial Group Limited registró ingresos de $10.4M en el último ejercicio fiscal, con un CAGR de 5 años del -15.3%.
Márgenes de los últimos 12 meses: margen bruto 100.0%, margen operativo -269.6%, margen neto -376.2%.
Al precio actual de $2.55, PLUT presenta beneficios negativos (P/E no significativo) y un ROE del -29.14%. La capitalización bursátil es de $39M.
Cuenta de Resultados (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $23.9M | $43.0M | $19.3M | $21.9M | $9.7M | $10.4M |
| Coste de Ventas | $4.9M | $6.9M | $12.7M | $9.6M | $11.2M | $14.9M |
| Beneficio Bruto | $19.0M | $36.1M | $6.6M | $12.4M | -$1.4M | -$4.4M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $2.6M | $8.9M | $7.6M | $8.7M | $7.2M | $27.0M |
| Gastos Operativos | $5.2M | $10.6M | $7.6M | $19.6M | $5.8M | $28.9M |
| Beneficio Operativo | $13.8M | $25.4M | -$1.0M | -$7.3M | -$7.2M | -$33.3M |
| EBITDA | $15.7M | $27.3M | -$686000 | -$7.3M | -$6.8M | -$31.4M |
| Gastos por Intereses | $30000 | 0 | 0 | 0 | 0 | 0 |
| Beneficio Antes de Impuestos | $14.4M | $25.7M | -$612000 | -$7.1M | -$6.6M | -$36.3M |
| Impuestos | $2.3M | $4.2M | $332000 | -$1.1M | -$1.1M | $3.1M |
| Beneficio Neto | $12.1M | $21.5M | -$944000 | -$6.0M | -$5.5M | -$39.4M |
| BPA | $0.71 | $1.52 | $-0.07 | $-0.43 | $-0.39 | $-2.96 |
| BPA Diluido | $0.71 | $1.52 | $-0.07 | $-0.43 | $-0.39 | $-2.96 |
| Acciones en Circulación (Diluidas) | $17.0M | $17.0M | $14.1M | $14.1M | $14.1M | $13.3M |
Cuenta de Resultados (Trimestral)
| Año | 2024-Q4 | 2025-Q1 | 2025-Q3 | 2025-Q4 |
|---|
| Ingresos | $3.4M | $2.0M | $2.7M | $2.7M |
| Beneficio Bruto | $3.4M | $2.0M | $2.7M | $2.7M |
| Beneficio Operativo | -$1.2M | -$7.4M | -$6.3M | -$6.3M |
| EBITDA | -$973500 | 0 | 0 | 0 |
| Beneficio Neto | -$867500 | -$6.4M | -$10.8M | -$10.8M |
| BPA | $-0.07 | $-0.48 | $-0.71 | $-0.71 |
| BPA Diluido | $-0.07 | $-0.48 | $-0.71 | $-0.71 |
Balance (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $17.3M | $12.6M | $12.7M | $12.0M | $30.6M | $13.0M |
| Inversiones a Corto | 0 | 0 | 0 | 0 | 0 | 0 |
| Cuentas por Cobrar | $32.5M | $105.7M | $67.9M | $47.4M | $18.5M | $61.8M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $64.2M | $123.0M | $120.0M | $102.6M | $64.5M | $111.1M |
| Inmovilizado Material | $2.9M | $1.2M | $2.2M | $1.1M | $3.0M | $1.6M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | $600000 | $600000 | $600000 | $600000 | $600000 | $3.5M |
| Activos Totales | $68.2M | $125.3M | $123.4M | $106.6M | $71.7M | $119.3M |
| Cuentas por Pagar | $11.5M | $5.3M | $34.8M | $40.9M | $10.3M | $20.8M |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $16.7M | $19.9M | $42.2M | $45.9M | $15.5M | $32.2M |
| Deuda a Largo | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Totales | $17.7M | $19.9M | $43.3M | $45.9M | $16.5M | $32.2M |
| Reservas | $7.5M | $29.0M | $3.6M | -$2.4M | -$7.9M | -$47.3M |
| Patrimonio Neto | $50.5M | $105.5M | $80.1M | $60.7M | $55.2M | $87.0M |
| Deuda Total | $2.5M | $1.2M | $2.3M | $1.1M | $2.1M | $1.0M |
| Deuda Neta | -$14.8M | -$11.4M | -$10.3M | -$10.9M | -$28.5M | -$12.0M |
| Capital Circulante | $47.6M | $103.1M | $77.8M | $56.7M | $49.0M | $78.9M |
Balance (Trimestral)
| Año | 2025-Q1 | 2025-Q2 | 2025-Q3 | 2025-Q4 |
|---|
| Caja y Equivalentes | $76.2M | $57.6M | $13.0M | $13.0M |
| Activos Totales | $118.3M | $124.2M | $119.3M | $119.3M |
| Pasivos Totales | $16.2M | $17.2M | $32.2M | $32.2M |
| Patrimonio Neto | $102.1M | $107.0M | $87.0M | $87.0M |
| Deuda Total | 0 | $1.6M | 0 | $1.0M |
Flujo de Caja (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $12.1M | $21.5M | -$944000 | -$6.0M | -$5.5M | -$39.4M |
| Amortizaciones | $1.3M | $302000 | $33000 | $8000 | $350000 | $2.0M |
| Compensación en Acciones | 0 | 0 | 0 | 0 | 0 | 0 |
| Cambio en Capital Circulante | -$17.0M | -$39.5M | $36.9M | $5.3M | -$1.5M | -$48.6M |
| Flujo de Caja Operativo | -$3.6M | -$17.8M | $36.0M | $10.2M | -$8.1M | -$80.1M |
| Inversiones (CapEx) | -$18000 | 0 | 0 | -$19000 | -$1.3M | -$3.4M |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | -$6.5M |
| Recompra de Acciones | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividendos Pagados | 0 | 0 | 0 | 0 | 0 | 0 |
| Flujo de Caja Libre | -$3.6M | -$17.8M | $36.0M | $10.2M | -$9.4M | -$83.5M |
Flujo de Caja (Trimestral)
| Año | 2024-Q4 | 2025-Q1 | 2025-Q3 | 2025-Q4 |
|---|
| Flujo de Caja Operativo | -$1.6M | 0 | 0 | 0 |
| Inversiones (CapEx) | 0 | 0 | 0 | 0 |
| Flujo de Caja Libre | -$1.6M | 0 | 0 | 0 |
| Dividendos Pagados | 0 | 0 | 0 | 0 |
| Compensación en Acciones | 0 | 0 | 0 | 0 |
Crecimiento y Márgenes (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +79.8% | -55.2% | +13.8% | -55.6% | +7.1% |
| Crecimiento Beneficio Neto (anual) | | +77.9% | -104.4% | -537.1% | +8.2% | -612.5% |
| Crecimiento BPA (anual) | | +114.1% | -104.4% | -541.8% | +9.3% | -659.0% |
| Cambio en Acciones (anual) | | +0.0% | -17.1% | +0.0% | +0.0% | -5.6% |
| Crecimiento FCF (anual) | | -388.5% | +302.5% | -71.7% | -192.2% | -789.7% |
| Margen Bruto | 79.6% | 83.9% | 34.1% | 56.3% | -14.6% | -42.6% |
| Margen Operativo | 57.8% | 59.2% | -5.4% | -33.2% | -74.2% | -319.1% |
| Margen EBITDA | 65.7% | 63.6% | -3.6% | -33.1% | -69.5% | -300.4% |
| Margen Neto | 50.5% | 49.9% | -4.9% | -27.4% | -56.7% | -377.0% |
| Margen FCF | -15.2% | -41.3% | 186.5% | 46.4% | -96.3% | -800.1% |
| Tasa Impositiva Efectiva | 16.0% | 16.5% | -54.2% | 15.0% | 16.8% | -8.5% |
Datos por Acción (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $-0.21 | $-1.04 | $2.55 | $0.72 | $-0.67 | $-6.28 |
| Dividendo por Acción | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Acciones en Circulación (Básicas) | $17.0M | $17.0M | $14.1M | $14.1M | $14.1M | $13.3M |
Qué mirar en Servicios Financieros
Asset managers, brokers, fintech, bolsas. No son bancos — mira AUM, comisiones y calidad del FCF.
- Crecimiento ingresos 5y — Sin crecimiento, no hay creación de valor a largo plazo
- Margen operativo — Los buenos asset managers tienen márgenes >30% por escalabilidad
- ROE — Servicios financieros de calidad tienen ROE >15% consistente
- FCF / Net Income — Calidad del beneficio — >90% esperado en negocios ligeros en capital
- Debt / Equity — Fintech y brokers con D/E alto son bombas de relojería en crisis
- P/E vs 5y propio — Asset managers tienen múltiplos estables en rangos conocidos
- Dividend yield + buybacks — Estos negocios devuelven mucho capital — mirar yield total (div + recompras)
Rentabilidad
| Rentabilidad sobre capital | -29.14% |
| Rentabilidad sobre capital invertido | -22.72% |
| Rentabilidad sobre activos | -23.41% |
| Margen bruto | 100.00% |
| Margen operativo | -269.57% |
| Margen neto | -376.25% |
Salud financiera
| Deuda / Patrimonio | 0.01 |
| Ratio corriente | 3.45 |
| Piotroski F-Score | 1 |
| Altman Z-Score | 5.81 |
Ratios Clave (10 años)
| Año | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 43.68 | 20.52 | -466.21 | -72.63 | -79.67 | -8.73 |
| P/VC | 10.44 | 5.03 | 5.50 | 7.25 | 7.93 | 3.95 |
| P/V | 22.05 | 12.33 | 22.85 | 20.07 | 44.94 | 32.94 |
| Margen Bruto | 79.6% | 83.9% | 34.1% | 56.3% | -14.6% | -42.6% |
| Margen Operativo | 57.8% | 59.2% | -5.4% | -33.2% | -74.2% | -319.1% |
| Margen Neto | 50.5% | 49.9% | -4.9% | -27.4% | -56.7% | -377.0% |