Demonstrações financeiras detalhadas de Capitol Federal Financial, Inc. (CFFN): 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
Capitol Federal Financial, Inc. registou receitas de $417.4M no último exercício, com um CAGR de 5 anos de 5.3%. O lucro líquido atingiu $68.0M, com CAGR de 5 anos de 1.1%.
Margens dos últimos 12 meses: margem bruta 49.9%, margem operacional 22.0%, margem líquida 19.0%. O fluxo de caixa livre cresceu a CAGR de -8.6% em 5 anos.
Ao preço atual de $8.86, CFFN negocia a um P/L de 13.74 e um ROE de 8.01%. A capitalização de mercado é de $1.1B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $315.0M | $330.1M | $338.3M | $349.4M | $321.7M | $278.8M | $299.6M | $185.6M | $379.4M | $417.4M |
| Custo da Receita | $108.2M | $117.8M | $123.1M | $124.3M | $137.9M | $74.7M | $82.3M | $213.4M | $216.0M | $220.0M |
| Lucro Bruto | $206.8M | $212.3M | $215.2M | $225.1M | $183.7M | $204.1M | $217.3M | -$27.7M | $163.3M | $197.4M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $62.6M | $62.9M | $68.9M | $77.2M | $75.8M | $63.7M | $64.8M | $60.3M | $62.6M | $69.7M |
| Despesas Operacionais | $84.8M | $84.4M | $91.3M | $104.5M | $103.1M | $108.1M | $110.1M | $111.2M | $109.2M | $114.4M |
| Lucro Operacional | $121.9M | $127.9M | $123.9M | $120.7M | $80.6M | $96.0M | $107.2M | -$139.0M | $54.1M | $83.0M |
| EBITDA | $129.1M | $135.7M | $132.6M | $132.1M | $91.7M | $107.0M | $117.9M | -$128.8M | $62.8M | $90.7M |
| Despesas com Juros | $108.9M | $117.8M | $123.1M | $123.6M | $115.6M | $83.2M | $86.9M | $206.5M | $214.8M | $219.2M |
| Lucro Antes de Impostos | $121.9M | $127.9M | $123.9M | $120.7M | $80.6M | $96.0M | $107.2M | -$139.0M | $54.1M | $83.0M |
| Imposto | $38.4M | $43.8M | $25.0M | $26.4M | $16.1M | $19.9M | $22.8M | -$37.3M | $16.1M | $15.0M |
| Lucro Líquido | $83.5M | $84.1M | $98.9M | $94.2M | $64.5M | $76.1M | $84.5M | -$101.7M | $38.0M | $68.0M |
| LPA | $0.63 | $0.63 | $0.73 | $0.68 | $0.47 | $0.56 | $0.62 | $-0.76 | $0.29 | $0.52 |
| LPA Diluído | $0.63 | $0.63 | $0.73 | $0.68 | $0.47 | $0.56 | $0.62 | $-0.76 | $0.29 | $0.52 |
| Ações em Circulação (Diluídas) | $133.2M | $134.2M | $134.8M | $137.7M | $137.9M | $135.5M | $135.7M | $133.6M | $130.7M | $130.0M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q4 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $109.2M | $110.8M | $110.0M | $105.1M |
| Lucro Bruto | $53.4M | $55.0M | $55.4M | $53.5M |
| Lucro Operacional | $23.0M | $25.2M | $25.1M | $22.6M |
| EBITDA | $24.9M | $27.0M | $26.9M | $31.1M |
| Lucro Líquido | $18.8M | $20.3M | $20.1M | $23.6M |
| LPA | $0.14 | $0.16 | $0.16 | $0.19 |
| LPA Diluído | $0.14 | $0.16 | $0.16 | $0.19 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $281.8M | $351.7M | $139.1M | $220.4M | $185.1M | $42.3M | $49.2M | $245.6M | $217.3M | $252.4M |
| Investimentos de Curto Prazo | $527.3M | $415.8M | $714.6M | $1.20B | $1.56B | $2.01B | $1.56B | $1.38B | $856.3M | $867.2M |
| Contas a Receber | 0 | 0 | $2.2M | $2000 | 0 | 0 | 0 | 0 | 0 | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $809.1M | $767.5M | $855.8M | $1.43B | $1.75B | $2.06B | $1.61B | $1.63B | $1.07B | $1.12B |
| Imobilizado | $83.2M | $84.8M | $96.0M | $96.8M | $101.9M | $99.1M | $94.8M | $91.5M | $91.5M | $89.3M |
| Ágio | 0 | 0 | $8.0M | $9.3M | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | 0 | 0 | $9.8M | $7.5M | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Totais | $9.27B | $9.19B | $9.45B | $9.34B | $9.49B | $9.63B | $9.62B | $10.18B | $9.53B | $9.78B |
| Contas a Pagar | $49.5M | $52.2M | $83.0M | $101.9M | $146.9M | $129.3M | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $200.0M | $200.0M | $110.1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Circulantes | $5.41B | $5.56B | $5.80B | $5.68B | $6.34B | $6.73B | $6.19B | $6.05B | $6.13B | $6.59B |
| Dívida de Longo Prazo | $2.37B | $2.17B | $2.29B | $2.24B | $1.79B | $1.58B | $2.13B | $2.38B | $2.18B | $1.95B |
| Passivos Totais | $7.87B | $7.82B | $8.06B | $8.00B | $8.20B | $8.39B | $8.53B | $9.13B | $8.50B | $8.73B |
| Reservas | $268.5M | $234.6M | $214.6M | $174.3M | $143.2M | $98.9M | $80.3M | -$104.6M | -$111.1M | -$87.3M |
| Patrimônio Líquido | $1.39B | $1.37B | $1.39B | $1.34B | $1.28B | $1.24B | $1.10B | $1.04B | $1.03B | $1.05B |
| Dívida Total | $2.57B | $2.37B | $2.40B | $2.24B | $1.79B | $1.58B | $2.13B | $2.38B | $2.18B | $1.95B |
| Dívida Líquida | $1.76B | $1.61B | $1.54B | $814.8M | $43.2M | -$474.0M | $519.7M | $749.0M | $1.11B | $831.1M |
| Capital de Giro | -$4.60B | -$4.79B | -$4.94B | -$4.26B | -$4.59B | -$4.67B | -$4.58B | -$4.42B | -$5.06B | -$5.47B |
Balanço (Trimestral)
| Ano | 2025-Q4 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $252.4M | $232.6M | $330.9M | $136.1M |
| Ativos Totais | $9.78B | $9.78B | $9.83B | $9.66B |
| Passivos Totais | $8.73B | $8.74B | $8.80B | $8.64B |
| Patrimônio Líquido | $1.05B | $1.04B | $1.03B | $1.02B |
| Dívida Total | $1.95B | $1.83B | $1.71B | $1.64B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $83.5M | $84.1M | $98.9M | $94.2M | $64.5M | $76.1M | $84.5M | -$101.7M | $38.0M | $68.0M |
| Depreciação e Amortização | $7.1M | $7.8M | $8.7M | $11.5M | $11.1M | $10.9M | $10.7M | $10.1M | $8.7M | $7.7M |
| Compensação em Ações | $3.3M | $2.9M | $2.6M | $2.8M | $2.6M | $2.5M | $2.2M | $1.5M | $1.3M | $1.4M |
| Variação Capital de Giro | -$3.7M | -$10.8M | $9.5M | -$21.3M | $1.6M | -$1.4M | $5.7M | -$7.2M | -$18.3M | -$15.9M |
| Fluxo de Caixa Operacional | $85.0M | $85.4M | $124.2M | $80.9M | $92.9M | $74.5M | $97.3M | $47.5M | $31.2M | $55.0M |
| CapEx | -$14.9M | -$9.1M | -$11.8M | -$11.7M | -$14.7M | -$9.4M | -$5.6M | -$6.3M | -$7.2M | -$5.2M |
| Aquisições | 0 | 0 | $15.7M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | 0 | -$20.8M | -$4.6M | 0 | -$23.5M | -$19.4M | -$3.9M |
| Dividendos Pagos | -$111.8M | -$118.0M | -$118.3M | -$134.9M | -$93.9M | -$117.9M | -$103.1M | -$83.2M | -$44.5M | -$44.3M |
| Fluxo de Caixa Livre | $70.1M | $76.3M | $112.4M | $69.2M | $78.2M | $65.1M | $91.7M | $41.2M | $24.0M | $49.8M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q4 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $21.5M | $17.4M | $21.4M | $17.4M |
| CapEx | -$1.7M | -$1.6M | -$1.3M | -$1.8M |
| Fluxo de Caixa Livre | $19.9M | $15.8M | $20.1M | $15.7M |
| Dividendos Pagos | -$11.1M | -$11.0M | -$15.9M | -$10.6M |
| Compensação em Ações | $358000 | $99000 | 0 | $420000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +4.8% | +2.5% | +3.3% | -7.9% | -13.3% | +7.5% | -38.0% | +104.4% | +10.0% |
| Crescimento Lucro Líquido (anual) | | +0.8% | +17.6% | -4.7% | -31.5% | +17.9% | +11.0% | -220.4% | +137.4% | +79.0% |
| Crescimento LPA (anual) | | +0.0% | +15.9% | -6.8% | -30.9% | +19.1% | +10.7% | -222.6% | +138.2% | +79.3% |
| Variação de Ações (anual) | | +0.8% | +0.4% | +2.2% | +0.1% | -1.7% | +0.2% | -1.6% | -2.2% | -0.5% |
| Crescimento FCF (anual) | | +8.9% | +47.3% | -38.4% | +13.0% | -16.8% | +41.0% | -55.0% | -41.8% | +107.7% |
| Margem Bruta | 65.7% | 64.3% | 63.6% | 64.4% | 57.1% | 73.2% | 72.5% | -14.9% | 43.1% | 47.3% |
| Margem Operacional | 38.7% | 38.8% | 36.6% | 34.5% | 25.1% | 34.4% | 35.8% | -74.9% | 14.3% | 19.9% |
| Margem EBITDA | 41.0% | 41.1% | 39.2% | 37.8% | 28.5% | 38.4% | 39.4% | -69.4% | 16.6% | 21.7% |
| Margem Líquida | 26.5% | 25.5% | 29.2% | 27.0% | 20.1% | 27.3% | 28.2% | -54.8% | 10.0% | 16.3% |
| Margem FCF | 22.3% | 23.1% | 33.2% | 19.8% | 24.3% | 23.3% | 30.6% | 22.2% | 6.3% | 11.9% |
| Taxa Efetiva de Imposto | 31.5% | 34.2% | 20.2% | 21.9% | 20.0% | 20.8% | 21.2% | 26.8% | 29.7% | 18.1% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.53 | $0.57 | $0.83 | $0.50 | $0.57 | $0.48 | $0.68 | $0.31 | $0.18 | $0.38 |
| Dividendo por Ação | $0.84 | $0.88 | $0.88 | $0.98 | $0.68 | $0.87 | $0.76 | $0.62 | $0.34 | $0.34 |
| Ações em Circulação (Básicas) | $133.0M | $134.1M | $134.7M | $137.7M | $137.9M | $135.5M | $135.7M | $133.6M | $129.9M | $130.0M |
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 | 8.01% |
| Retorno sobre capital investido | 0.92% |
| Retorno sobre ativos | 0.86% |
| Margem bruta | 49.92% |
| Margem operacional | 22.04% |
| Margem líquida | 19.04% |
Saúde financeira
| Dívida / Patrimônio | 1.60 |
| Liquidez corrente | 66.42 |
| Piotroski F-Score | 6 |
| Altman Z-Score | -0.56 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 22.33 | 23.33 | 17.30 | 20.26 | 19.72 | 20.52 | 13.39 | -6.28 | 20.14 | 12.21 |
| P/VP | 1.34 | 1.44 | 1.22 | 1.42 | 0.99 | 1.25 | 1.03 | 0.61 | 0.73 | 0.79 |
| P/V | 5.94 | 5.97 | 5.03 | 5.43 | 3.97 | 5.58 | 3.76 | 3.43 | 2.00 | 1.98 |
| Margem Bruta | 65.7% | 64.3% | 63.6% | 64.4% | 57.1% | 73.2% | 72.5% | -14.9% | 43.1% | 47.3% |
| Margem Operacional | 38.7% | 38.8% | 36.6% | 34.5% | 25.1% | 34.4% | 35.8% | -74.9% | 14.3% | 19.9% |
| Margem Líquida | 26.5% | 25.5% | 29.2% | 27.0% | 20.1% | 27.3% | 28.2% | -54.8% | 10.0% | 16.3% |