Demonstrações financeiras detalhadas de Franklin Financial Services Corporation (FRAF): 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
Franklin Financial Services Corporation registou receitas de $133.5M no último exercício, com um CAGR de 5 anos de 17.4%. O lucro líquido atingiu $21.2M, com CAGR de 5 anos de 10.6%.
Margens dos últimos 12 meses: margem bruta 67.4%, margem operacional 22.7%, margem líquida 18.2%. O fluxo de caixa livre cresceu a CAGR de 32.8% em 5 anos.
Ao preço atual de $63.53, FRAF negocia a um P/L de 11.54 e um ROE de 14.00%. A capitalização de mercado é de $285M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $47.7M | $51.1M | $56.5M | $63.0M | $59.9M | $64.0M | $70.3M | $90.4M | $113.8M | $133.5M |
| Custo da Receita | $6.0M | $3.2M | $14.2M | $7.3M | $8.6M | $802000 | $5.5M | $25.8M | $45.9M | $47.6M |
| Lucro Bruto | $41.7M | $48.0M | $42.3M | $55.7M | $51.3M | $63.2M | $64.8M | $64.5M | $67.9M | $85.9M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $19.4M | $20.3M | $22.2M | $24.0M | $24.6M | $27.0M | $30.7M | $31.7M | $36.4M | $1.7M |
| Despesas Operacionais | $32.3M | $42.2M | $36.4M | $36.7M | $38.3M | $40.2M | $47.3M | $48.8M | $54.6M | $59.7M |
| Lucro Operacional | $9.4M | $5.7M | $6.0M | $19.0M | $13.1M | $23.0M | $17.5M | $15.8M | $13.3M | $26.3M |
| EBITDA | $10.8M | $7.1M | $7.3M | $20.4M | $14.4M | $24.2M | $18.9M | $17.8M | $15.4M | $28.4M |
| Despesas com Juros | $2.2M | $2.5M | $4.2M | $7.1M | $4.0M | $2.9M | $4.9M | $23.1M | $43.9M | $44.7M |
| Lucro Antes de Impostos | $9.4M | $5.7M | $6.0M | $19.0M | $13.1M | $23.0M | $17.5M | $15.8M | $13.3M | $26.3M |
| Imposto | $1.3M | $3.6M | -$165000 | $2.9M | $258000 | $3.4M | $2.6M | $2.2M | $2.2M | $5.0M |
| Lucro Líquido | $8.1M | $2.2M | $6.1M | $16.1M | $12.8M | $19.6M | $14.9M | $13.6M | $11.1M | $21.2M |
| LPA | $1.88 | $0.50 | $1.40 | $3.68 | $2.94 | $4.44 | $3.38 | $3.11 | $2.51 | $4.74 |
| LPA Diluído | $1.88 | $0.50 | $1.39 | $3.67 | $2.93 | $4.42 | $3.36 | $3.10 | $2.51 | $4.74 |
| Ações em Circulação (Diluídas) | $4.3M | $4.4M | $4.4M | $4.4M | $4.4M | $4.4M | $4.4M | $4.4M | $4.4M | $4.5M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $34.1M | $33.7M | $33.1M | $34.1M |
| Lucro Bruto | $21.5M | $23.0M | $23.7M | $22.9M |
| Lucro Operacional | $6.7M | $7.5M | $8.3M | $8.2M |
| EBITDA | $7.2M | $8.0M | $8.8M | $8.8M |
| Lucro Líquido | $5.4M | $6.0M | $6.6M | $6.6M |
| LPA | $1.20 | $1.35 | $1.48 | $1.47 |
| LPA Diluído | $1.19 | $1.35 | $1.48 | $1.47 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $36.7M | $58.6M | $53.0M | $92.6M | $69.9M | $185.6M | $78.9M | $29.4M | $205.1M | $128.7M |
| Investimentos de Curto Prazo | $143.9M | $127.0M | $131.5M | $187.4M | $396.9M | $529.8M | $486.8M | $472.5M | $319.0M | $101.1M |
| Contas a Receber | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $180.5M | $185.6M | $184.4M | $280.0M | $466.8M | $715.5M | $565.7M | $501.9M | $524.1M | $229.8M |
| Imobilizado | $14.1M | $13.7M | $13.5M | $19.0M | $18.4M | $23.9M | $36.0M | $33.2M | $33.1M | $30.8M |
| Ágio | $9.0M | $9.0M | $9.0M | $9.0M | $9.0M | $9.0M | $9.0M | $9.0M | $9.0M | $9.0M |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Totais | $1.13B | $1.18B | $1.21B | $1.27B | $1.54B | $1.77B | $1.70B | $1.84B | $2.20B | $2.24B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $24.3M | 0 | 0 | 0 | 0 | 0 | 0 | $130.0M | $681000 | 0 |
| Passivos Circulantes | $1.01B | $1.05B | $1.08B | $1.13B | $1.35B | $1.58B | $1.55B | $1.67B | $1.82B | $1.84B |
| Dívida de Longo Prazo | 0 | 0 | 0 | 0 | $19.6M | $19.6M | $19.6M | $19.7M | $219.7M | $210.8M |
| Passivos Totais | $1.01B | $1.06B | $1.09B | $1.14B | $1.39B | $1.62B | $1.59B | $1.70B | $2.05B | $2.06B |
| Reservas | $83.1M | $82.2M | $83.9M | $94.9M | $102.5M | $116.6M | $125.9M | $134.0M | $139.5M | $154.8M |
| Patrimônio Líquido | $116.5M | $115.1M | $118.4M | $127.5M | $145.2M | $157.1M | $114.2M | $132.1M | $144.7M | $175.2M |
| Dívida Total | $24.3M | 0 | 0 | $5.2M | $24.9M | $24.4M | $25.8M | $154.5M | $224.0M | $214.7M |
| Dívida Líquida | -$156.3M | -$185.6M | -$184.4M | -$274.8M | -$441.9M | -$691.0M | -$539.9M | -$347.4M | -$300.1M | -$15.1M |
| Capital de Giro | -$825.9M | -$861.6M | -$898.2M | -$845.4M | -$887.7M | -$868.9M | -$985.7M | -$1.17B | -$1.29B | -$1.61B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $189.1M | $128.7M | $24.0M | $195.0M |
| Ativos Totais | $2.30B | $2.24B | $2.30B | $2.34B |
| Passivos Totais | $2.13B | $2.06B | $2.12B | $2.15B |
| Patrimônio Líquido | $166.3M | $175.2M | $178.7M | $183.8M |
| Dívida Total | $214.8M | $214.7M | $215.2M | $215.1M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $8.1M | $2.2M | $6.1M | $16.1M | $12.8M | $19.6M | $14.9M | $13.6M | $11.1M | $21.2M |
| Depreciação e Amortização | $1.4M | $1.4M | $1.3M | $1.4M | $1.3M | $1.2M | $1.4M | $2.0M | $2.1M | $2.1M |
| Compensação em Ações | $88000 | $161000 | $185000 | 0 | $197000 | $204000 | $462000 | $483000 | $634000 | $819000 |
| Variação Capital de Giro | -$451000 | $717000 | -$1.6M | $1.5M | -$4.9M | $1.8M | -$313000 | $2.9M | $1.7M | $821000 |
| Fluxo de Caixa Operacional | $14.9M | $16.3M | $9.3M | $19.0M | $6.4M | $26.3M | $25.2M | $26.6M | $21.8M | $25.4M |
| CapEx | -$579000 | -$1.1M | -$1.2M | -$1.7M | -$484000 | -$8.8M | -$12.2M | -$499000 | -$2.6M | -$866000 |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$795000 | 0 | -$88000 | -$3.8M | -$1.2M | -$1.2M | -$3.3M | -$2.4M | -$827000 | -$1.1M |
| Dividendos Pagos | -$3.5M | -$4.0M | -$4.6M | -$5.1M | -$5.2M | -$5.5M | -$5.7M | -$5.6M | -$5.6M | -$5.8M |
| Fluxo de Caixa Livre | $14.3M | $15.1M | $8.1M | $17.3M | $6.0M | $17.5M | $13.0M | $26.1M | $19.2M | $24.6M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $8.3M | $3.2M | $24.1M | $6.7M |
| CapEx | -$449000 | $16000 | -$116000 | -$702000 |
| Fluxo de Caixa Livre | $7.8M | $3.2M | $24.0M | $6.0M |
| Dividendos Pagos | -$1.5M | -$1.5M | -$1.5M | -$1.5M |
| Compensação em Ações | $158000 | $186000 | $156000 | $218000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +7.1% | +10.5% | +11.6% | -4.9% | +6.7% | +9.8% | +28.6% | +25.9% | +17.3% |
| Crescimento Lucro Líquido (anual) | | -73.1% | +181.5% | +163.1% | -20.6% | +53.2% | -23.8% | -9.0% | -18.4% | +91.2% |
| Crescimento LPA (anual) | | -73.4% | +180.0% | +162.9% | -20.1% | +51.0% | -23.9% | -8.0% | -19.3% | +88.8% |
| Variação de Ações (anual) | | +1.3% | +1.0% | -0.2% | -0.7% | +1.7% | +0.1% | -1.4% | +0.8% | +1.9% |
| Crescimento FCF (anual) | | +6.0% | -46.2% | +112.7% | -65.6% | +194.8% | -25.7% | +100.1% | -26.4% | +28.1% |
| Margem Bruta | 87.4% | 93.8% | 74.9% | 88.3% | 85.6% | 98.7% | 92.2% | 71.4% | 59.7% | 64.3% |
| Margem Operacional | 19.7% | 11.2% | 10.5% | 30.1% | 21.8% | 36.0% | 24.9% | 17.4% | 11.7% | 19.7% |
| Margem EBITDA | 22.6% | 13.9% | 12.9% | 32.3% | 24.0% | 37.8% | 26.9% | 19.7% | 13.5% | 21.3% |
| Margem Líquida | 16.9% | 4.3% | 10.8% | 25.6% | 21.4% | 30.7% | 21.3% | 15.0% | 9.8% | 15.9% |
| Margem FCF | 29.9% | 29.6% | 14.4% | 27.5% | 9.9% | 27.4% | 18.5% | 28.8% | 16.9% | 18.4% |
| Taxa Efetiva de Imposto | 13.9% | 62.1% | -2.8% | 15.2% | 2.0% | 14.8% | 14.6% | 13.7% | 16.6% | 19.2% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $3.32 | $3.47 | $1.85 | $3.94 | $1.36 | $3.95 | $2.93 | $5.95 | $4.35 | $5.46 |
| Dividendo por Ação | $0.82 | $0.92 | $1.04 | $1.16 | $1.20 | $1.24 | $1.27 | $1.28 | $1.28 | $1.30 |
| Ações em Circulação (Básicas) | $4.3M | $4.3M | $4.4M | $4.4M | $4.4M | $4.4M | $4.4M | $4.4M | $4.4M | $4.5M |
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 | 14.00% |
| Retorno sobre capital investido | 5.94% |
| Retorno sobre ativos | 1.06% |
| Margem bruta | 67.36% |
| Margem operacional | 22.72% |
| Margem líquida | 18.24% |
Saúde financeira
| Dívida / Patrimônio | 1.17 |
| Liquidez corrente | 0.34 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 15.21 | 74.72 | 22.50 | 10.51 | 9.19 | 7.45 | 10.68 | 10.14 | 11.91 | 10.59 |
| P/VP | 1.05 | 1.41 | 1.17 | 1.33 | 0.81 | 0.93 | 1.40 | 1.04 | 0.91 | 1.29 |
| P/V | 2.57 | 3.17 | 2.44 | 2.69 | 1.96 | 2.29 | 2.27 | 1.53 | 1.16 | 1.69 |
| Margem Bruta | 87.4% | 93.8% | 74.9% | 88.3% | 85.6% | 98.7% | 92.2% | 71.4% | 59.7% | 64.3% |
| Margem Operacional | 19.7% | 11.2% | 10.5% | 30.1% | 21.8% | 36.0% | 24.9% | 17.4% | 11.7% | 19.7% |
| Margem Líquida | 16.9% | 4.3% | 10.8% | 25.6% | 21.4% | 30.7% | 21.3% | 15.0% | 9.8% | 15.9% |