Demonstrações financeiras detalhadas de Broadway Financial Corp. (BYFC): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Broadway Financial Corp. registou receitas de $63.0M no último exercício, com um CAGR de 5 anos de 27.6%.
Margens dos últimos 12 meses: margem bruta 52.9%, margem operacional -26.4%, margem líquida -29.3%.
Ao preço atual de $11.86, BYFC apresenta lucros negativos (P/L não significativo) e um ROE de -7.74%. A capitalização de mercado é de $110M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $16.1M | $17.4M | $15.9M | $17.7M | $18.7M | $28.0M | $37.5M | $52.6M | $65.5M | $63.0M |
| Custo da Receita | $3.3M | $3.2M | $3.7M | $6.4M | $5.5M | $3.9M | $4.4M | $18.7M | $32.8M | $30.3M |
| Lucro Bruto | $12.8M | $14.2M | $12.3M | $11.3M | $13.2M | $24.0M | $33.1M | $33.9M | $32.7M | $32.7M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $8.3M | $8.4M | $8.3M | $8.7M | $10.0M | $16.4M | $14.7M | $16.1M | $17.8M | $19.1M |
| Despesas Operacionais | $11.5M | $10.4M | $11.4M | $11.9M | $14.2M | $28.9M | $24.9M | $27.4M | $29.9M | $57.2M |
| Lucro Operacional | $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 |
| Despesas com Juros | $3.9M | $4.3M | $4.9M | $6.4M | $5.5M | $3.7M | $3.4M | $17.8M | $32.2M | $28.1M |
| Lucro Antes de Impostos | $1.3M | $3.7M | $871000 | -$551000 | -$1.0M | -$4.9M | $8.1M | $6.5M | $2.8M | -$24.5M |
| Imposto | -$2.2M | $1.9M | $56000 | -$345000 | -$407000 | -$937000 | $2.4M | $2.0M | $815000 | $338000 |
| Lucro Líquido | $3.5M | $1.9M | $815000 | -$206000 | -$642000 | -$4.0M | $5.6M | $4.5M | $1.9M | -$24.8M |
| LPA | $0.96 | $0.56 | $0.24 | $-0.06 | $-0.19 | $-0.54 | $0.64 | $0.52 | $0.04 | $-3.23 |
| LPA Diluído | $0.96 | $0.56 | $0.24 | $-0.06 | $-0.19 | $-0.54 | $0.64 | $0.51 | $0.04 | $-3.23 |
| Ações em Circulação (Diluídas) | $3.6M | $3.3M | $3.3M | $3.4M | $3.4M | $7.5M | $8.8M | $8.7M | $9.0M | $8.6M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $16.2M | $17.0M | $17.3M | $18.8M |
| Lucro Bruto | $8.4M | $9.4M | $10.0M | $9.0M |
| Lucro Operacional | -$23.2M | $1.4M | $1.9M | $1.5M |
| EBITDA | -$23.0M | $1.6M | $2.1M | $1.5M |
| Lucro Líquido | -$23.9M | $1.0M | $1.6M | $968000 |
| LPA | $-2.86 | $0.03 | $0.09 | $0.03 |
| LPA Diluído | $-2.86 | $0.03 | $0.09 | $0.02 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $18.4M | $22.2M | $16.7M | $15.6M | $96.1M | $231.5M | $16.1M | $105.2M | $61.4M | $10.5M |
| Investimentos de Curto Prazo | $13.2M | $17.5M | $14.7M | $11.0M | $10.7M | $156.4M | $328.7M | $316.9M | $203.9M | $11.8M |
| Contas a Receber | $1.2M | $1.1M | $1.1M | $1.2M | $1.2M | $3.4M | $4.0M | $4.9M | $5.0M | $6.0M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $32.8M | $40.8M | $32.5M | $27.8M | $108.0M | $391.3M | $348.8M | $427.1M | $270.2M | $28.3M |
| Imobilizado | $2.5M | $2.4M | $2.2M | $2.8M | $2.5M | $10.3M | $10.3M | $9.2M | $8.9M | $8.7M |
| Ágio | 0 | 0 | 0 | 0 | 0 | $26.0M | $25.9M | $25.9M | $25.9M | 0 |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | 0 | $2.9M | $2.5M | $2.1M | $1.8M | $1.5M |
| Ativos Totais | $429.1M | $413.7M | $409.4M | $440.4M | $483.4M | $1.09B | $1.18B | $1.41B | $1.33B | $1.35B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | $52.0M | $63.5M | $73.5M | $66.6M | $80.8M |
| Passivos Circulantes | $292.6M | $294.8M | $284.8M | $302.2M | $319.9M | $852.5M | $762.3M | $756.1M | $812.0M | $998.4M |
| Dívida de Longo Prazo | $90.1M | $70.1M | $75.1M | $88.3M | $113.8M | $100.0M | $142.3M | $354.8M | $226.9M | $72.0M |
| Passivos Totais | $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 |
| Patrimônio Líquido | $45.5M | $47.7M | $48.4M | $48.8M | $48.9M | $141.0M | $279.5M | $281.7M | $285.0M | $262.8M |
| Dívida Total | $90.1M | $70.1M | $75.1M | $88.3M | $113.8M | $151.9M | $205.8M | $428.2M | $293.5M | $152.8M |
| Dívida Líquida | $58.5M | $30.4M | $43.7M | $61.8M | $7.0M | -$236.0M | -$139.0M | $6.1M | $28.3M | $130.4M |
| Capital de Giro | -$259.8M | -$254.0M | -$252.3M | -$274.4M | -$211.9M | -$461.2M | -$413.5M | -$329.0M | -$541.8M | -$970.1M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $19.7M | $10.5M | $26.6M | $48.9M |
| Ativos Totais | $1.34B | $1.35B | $1.43B | $1.56B |
| Passivos Totais | $1.07B | $1.08B | $1.16B | $1.30B |
| Patrimônio Líquido | $261.7M | $262.8M | $262.5M | $262.3M |
| Dívida Total | $213.8M | $152.8M | $81.2M | $175.9M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $3.5M | $1.9M | $815000 | -$206000 | -$642000 | -$3.9M | $5.7M | $4.5M | $2.0M | -$24.8M |
| Depreciação e Amortização | $251000 | $256000 | $241000 | $227000 | $121000 | $680000 | $811000 | $775000 | $760000 | $725000 |
| Compensação em Ações | $32000 | $380000 | $200000 | $372000 | $492000 | $524000 | $283000 | $396000 | $593000 | $168000 |
| Variação Capital de Giro | -$513000 | $841000 | $136000 | $48000 | -$234000 | $2.4M | -$565000 | $1.9M | -$1.9M | -$179000 |
| Fluxo de Caixa Operacional | $930000 | -$10.2M | $234000 | $8.5M | -$13.6M | $624000 | $6.3M | $7.6M | $1.4M | $230000 |
| CapEx | -$160000 | -$183000 | -$77000 | -$41000 | -$415000 | -$1.1M | -$323000 | -$208000 | -$138000 | -$243000 |
| Aquisições | 0 | 0 | 0 | 0 | 0 | $84.7M | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$4.0M | 0 | 0 | 0 | 0 | 0 | 0 | -$1.8M | 0 | 0 |
| Dividendos Pagos | 0 | 0 | 0 | 0 | 0 | -$60000 | -$15000 | 0 | -$1.6M | -$3.0M |
| Fluxo de Caixa Livre | $770000 | -$10.4M | $157000 | $8.5M | -$14.0M | -$514000 | $6.0M | $7.4M | $1.3M | -$13000 |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $3.8M | -$2.3M | $1.1M | $4.0M |
| CapEx | -$106000 | -$109000 | -$33000 | -$311000 |
| Fluxo de Caixa Livre | $3.7M | -$2.4M | $1.1M | $3.7M |
| Dividendos Pagos | -$750000 | -$750000 | -$750000 | -$750000 |
| Compensação em Ações | -$309000 | $458000 | $168000 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +8.3% | -8.6% | +11.3% | +5.3% | +49.8% | +34.0% | +40.4% | +24.6% | -3.8% |
| Crescimento Lucro Líquido (anual) | | -46.3% | -56.4% | -125.3% | -211.7% | -530.8% | +239.2% | -19.9% | -57.3% | -1385.4% |
| Crescimento LPA (anual) | | -41.7% | -57.1% | -125.6% | -209.4% | -184.2% | +218.5% | -18.8% | -92.3% | -8175.0% |
| Variação de Ações (anual) | | -8.1% | +0.0% | +0.3% | +1.2% | +121.4% | +17.1% | -0.7% | +2.7% | -4.0% |
| Crescimento FCF (anual) | | -1451.8% | +101.5% | +5308.9% | -264.5% | +96.3% | +1267.5% | +23.1% | -83.0% | -101.0% |
| Margem Bruta | 79.3% | 81.4% | 76.9% | 64.0% | 70.5% | 86.0% | 88.2% | 64.4% | 49.9% | 51.9% |
| Margem Operacional | 7.8% | 21.4% | 5.5% | -3.1% | -5.6% | -17.5% | 21.7% | 12.4% | 4.2% | -38.8% |
| Margem EBITDA | 9.4% | 22.9% | 7.0% | -1.8% | -5.0% | -15.0% | 23.8% | 13.9% | 5.4% | -38.3% |
| Margem Líquida | 21.6% | 10.7% | 5.1% | -1.2% | -3.4% | -14.5% | 15.0% | 8.6% | 2.9% | -39.3% |
| Margem FCF | 4.8% | -59.7% | 1.0% | 47.9% | -74.8% | -1.8% | 16.0% | 14.0% | 1.9% | -0.0% |
| Taxa Efetiva de Imposto | -177.3% | 49.9% | 6.4% | 62.6% | 38.8% | 19.2% | 29.7% | 30.4% | 29.4% | -1.4% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.21 | $-3.11 | $0.05 | $2.53 | $-4.11 | $-0.07 | $0.68 | $0.84 | $0.14 | $-0.00 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.01 | $0.00 | $0.00 | $0.17 | $0.35 |
| Ações em Circulação (Básicas) | $3.6M | $3.3M | $3.3M | $3.4M | $3.4M | $7.5M | $8.8M | $8.6M | $9.0M | $8.6M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | -7.74% |
| Retorno sobre capital investido | -4.08% |
| Retorno sobre ativos | -1.30% |
| Margem bruta | 52.91% |
| Margem operacional | -26.45% |
| Margem líquida | -29.33% |
Saúde financeira
| Dívida / Patrimônio | 0.67 |
| Liquidez corrente | 0.30 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 13.67 | 33.71 | 35.00 | -200.65 | -77.89 | -34.22 | 12.62 | 13.06 | 171.25 | -2.29 |
| P/VP | 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 |
| Margem Bruta | 79.3% | 81.4% | 76.9% | 64.0% | 70.5% | 86.0% | 88.2% | 64.4% | 49.9% | 51.9% |
| Margem Operacional | 7.8% | 21.4% | 5.5% | -3.1% | -5.6% | -17.5% | 21.7% | 12.4% | 4.2% | -38.8% |
| Margem Líquida | 21.6% | 10.7% | 5.1% | -1.2% | -3.4% | -14.5% | 15.0% | 8.6% | 2.9% | -39.3% |