Demonstrações financeiras detalhadas de Hanmi Financial Corporation (HAFC): 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
Hanmi Financial Corporation registou receitas de $444.7M no último exercício, com um CAGR de 5 anos de 10.9%. O lucro líquido atingiu $76.1M, com CAGR de 5 anos de 12.5%.
Margens dos últimos 12 meses: margem bruta 56.4%, margem operacional 17.3%, margem líquida 23.2%. O fluxo de caixa livre cresceu a CAGR de 29.6% em 5 anos.
Ao preço atual de $32.08, HAFC negocia a um P/L de 10.80 e um ROE de 11.20%. A capitalização de mercado é de $955M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $211.5M | $242.7M | $258.9M | $273.1M | $265.6M | $256.8M | $308.0M | $397.6M | $429.5M | $444.7M |
| Custo da Receita | $13.9M | $33.4M | $57.4M | $101.1M | $88.4M | -$2.8M | $37.0M | $152.4M | $200.4M | $189.2M |
| Lucro Bruto | $197.6M | $209.4M | $201.5M | $172.0M | $177.1M | $259.6M | $271.0M | $245.2M | $229.1M | $255.6M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $67.9M | $71.9M | $73.5M | $71.7M | $69.7M | $75.2M | $79.8M | $84.5M | $86.4M | $10.6M |
| Despesas Operacionais | $108.2M | $114.1M | $117.6M | $124.7M | $117.6M | $124.1M | $130.3M | $130.6M | $140.5M | $147.6M |
| Lucro Operacional | $89.4M | $95.3M | $84.0M | $47.3M | $59.5M | $135.5M | $140.7M | $114.6M | $88.6M | $107.9M |
| EBITDA | $104.0M | $108.1M | $95.1M | $56.9M | $70.4M | $151.6M | $153.1M | $121.4M | $95.1M | $113.6M |
| Despesas com Juros | $18.3M | $32.5M | $53.4M | $70.9M | $43.0M | $21.6M | $36.2M | $148.1M | $196.0M | $174.7M |
| Lucro Antes de Impostos | $89.4M | $95.3M | $84.0M | $47.3M | $59.5M | $135.5M | $140.7M | $114.6M | $88.6M | $107.9M |
| Imposto | $32.9M | $40.6M | $26.1M | $14.6M | $17.3M | $36.8M | $39.3M | $34.5M | $26.4M | $31.8M |
| Lucro Líquido | $56.5M | $54.7M | $57.9M | $32.8M | $42.2M | $98.7M | $101.4M | $80.0M | $62.2M | $76.1M |
| LPA | $1.76 | $1.70 | $1.81 | $1.06 | $1.38 | $3.22 | $3.33 | $2.63 | $2.07 | $2.55 |
| LPA Diluído | $1.75 | $1.69 | $1.79 | $1.06 | $1.38 | $3.22 | $3.32 | $2.62 | $2.05 | $2.51 |
| Ações em Circulação (Diluídas) | $32.0M | $32.2M | $32.1M | $30.8M | $30.3M | $30.5M | $30.4M | $30.3M | $30.1M | $30.0M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $115.1M | $112.9M | $102.2M | $55.6M |
| Lucro Bruto | $68.8M | $68.8M | $63.2M | $16.6M |
| Lucro Operacional | $31.5M | $30.1M | $21.9M | -$17.0M |
| EBITDA | $30.7M | $31.0M | $22.8M | -$17.8M |
| Lucro Líquido | $22.1M | $21.2M | $22.6M | $23.5M |
| LPA | $0.73 | $0.72 | $0.76 | $0.78 |
| LPA Diluído | $0.73 | $0.70 | $0.75 | $0.79 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $147.2M | $153.8M | $155.4M | $121.7M | $391.8M | $609.0M | $352.4M | $302.3M | $304.8M | $212.8M |
| Investimentos de Curto Prazo | $517.0M | $578.8M | $574.9M | $634.5M | $753.8M | $910.8M | $853.8M | $865.7M | $905.8M | $880.6M |
| Contas a Receber | $12.7M | $18.6M | $21.6M | $523.6M | $465.2M | $532.1M | $653.0M | $58.6M | $67.8M | $24.5M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $706.9M | $781.1M | $780.1M | $1.34B | $1.69B | $2.13B | $1.94B | $1.23B | $1.28B | $1.12B |
| Imobilizado | $28.7M | $26.7M | $27.8M | $26.1M | $26.4M | $24.8M | $22.9M | $22.0M | $21.4M | $20.4M |
| Ágio | $11.0M | $11.0M | $11.0M | $11.0M | $11.0M | $11.0M | $11.0M | $11.0M | $11.0M | $11.0M |
| Ativos Intangíveis | $1.9M | $1.5M | $1.2M | $842000 | $581000 | $364000 | $194000 | $68000 | 0 | 0 |
| Ativos Totais | $4.70B | $5.21B | $5.50B | $5.54B | $6.20B | $6.86B | $7.38B | $7.57B | $7.68B | $7.87B |
| Contas a Pagar | $2.6M | $5.3M | $11.4M | $11.2M | $4.6M | $1.2M | $7.8M | $39.3M | $34.8M | $34.8M |
| Dívida de Curto Prazo | $315.0M | $150.0M | $55.0M | $15.0M | 0 | $50.0M | $300.0M | $250.0M | $225.0M | $150.0M |
| Passivos Circulantes | $4.15B | $4.53B | $4.83B | $4.78B | $5.35B | $5.91B | $6.56B | $6.57B | $6.70B | $6.86B |
| Dívida de Longo Prazo | $19.0M | $117.3M | $117.8M | $193.4M | $269.0M | $302.5M | $179.4M | $205.0M | $168.1M | $130.5M |
| Passivos Totais | $4.17B | $4.65B | $4.95B | $4.97B | $5.62B | $6.22B | $6.74B | $6.87B | $6.95B | $7.07B |
| Reservas | $41.7M | $70.6M | $97.5M | $100.6M | $114.6M | $196.8M | $269.5M | $319.0M | $350.9M | $394.3M |
| Patrimônio Líquido | $531.0M | $562.5M | $552.6M | $563.3M | $577.0M | $643.4M | $637.5M | $701.9M | $732.2M | $796.4M |
| Dívida Total | $334.0M | $267.3M | $172.8M | $208.4M | $269.0M | $352.5M | $479.4M | $455.0M | $393.1M | $280.5M |
| Dívida Líquida | -$330.2M | -$465.4M | -$557.5M | -$547.8M | -$876.7M | -$1.17B | -$726.9M | -$713.1M | -$817.5M | -$813.0M |
| Capital de Giro | -$3.44B | -$3.75B | -$4.05B | -$3.44B | -$3.66B | -$3.78B | -$4.62B | -$5.34B | -$5.42B | -$5.74B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $215.7M | $212.8M | $254.0M | $331.2M |
| Ativos Totais | $7.86B | $7.87B | $7.84B | $8.00B |
| Passivos Totais | $7.08B | $7.07B | $7.04B | $7.19B |
| Patrimônio Líquido | $779.5M | $796.4M | $802.8M | $812.7M |
| Dívida Total | $192.8M | $280.5M | $130.6M | $130.8M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $56.5M | $54.7M | $57.9M | $32.8M | $42.2M | $98.7M | $101.4M | $80.0M | $62.2M | $76.1M |
| Depreciação e Amortização | $14.6M | $12.9M | $11.1M | $9.5M | $11.0M | $16.1M | $12.4M | $6.8M | $6.5M | $5.7M |
| Compensação em Ações | $3.0M | $2.9M | $3.5M | $3.1M | $2.5M | $2.4M | $2.6M | $2.7M | $3.6M | $3.6M |
| Variação Capital de Giro | -$5.2M | $12.2M | $1.8M | -$8.4M | -$12.1M | $9.4M | $21.8M | $20.4M | -$21.9M | -$9.6M |
| Fluxo de Caixa Operacional | $59.4M | $81.7M | $76.6M | $58.8M | $60.2M | $93.7M | $147.3M | $107.8M | $53.9M | $206.0M |
| CapEx | -$730000 | -$843000 | -$3.7M | -$1.6M | -$4.4M | -$2.7M | -$1.9M | -$2.4M | -$2.6M | -$2.3M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | -$36.1M | -$7.4M | -$2.2M | -$6.1M | 0 | -$4.1M | -$6.3M | -$9.4M |
| Dividendos Pagos | -$25.7M | -$25.8M | -$30.9M | -$29.8M | -$16.0M | -$16.5M | -$28.6M | -$30.5M | -$30.4M | -$32.6M |
| Fluxo de Caixa Livre | $58.6M | $80.8M | $72.9M | $57.2M | $55.8M | $91.0M | $145.4M | $105.4M | $51.3M | $203.7M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $146.9M | $52.2M | $23.9M | -$8.8M |
| CapEx | -$560000 | -$1.1M | -$499000 | -$1.1M |
| Fluxo de Caixa Livre | $146.4M | $51.1M | $23.4M | -$9.9M |
| Dividendos Pagos | -$8.1M | -$8.1M | -$8.4M | -$8.5M |
| Compensação em Ações | $943000 | $899000 | $707000 | $929000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +14.7% | +6.7% | +5.5% | -2.8% | -3.3% | +19.9% | +29.1% | +8.0% | +3.5% |
| Crescimento Lucro Líquido (anual) | | -3.2% | +5.9% | -43.3% | +28.7% | +133.9% | +2.8% | -21.1% | -22.3% | +22.3% |
| Crescimento LPA (anual) | | -3.4% | +6.5% | -41.4% | +30.2% | +133.3% | +3.4% | -21.0% | -21.3% | +23.2% |
| Variação de Ações (anual) | | +0.6% | -0.6% | -4.0% | -1.6% | +0.6% | -0.3% | -0.2% | -0.8% | -0.2% |
| Crescimento FCF (anual) | | +37.9% | -9.7% | -21.6% | -2.5% | +63.1% | +59.8% | -27.5% | -51.3% | +296.9% |
| Margem Bruta | 93.4% | 86.3% | 77.8% | 63.0% | 66.7% | 101.1% | 88.0% | 61.7% | 53.3% | 57.5% |
| Margem Operacional | 42.3% | 39.3% | 32.4% | 17.3% | 22.4% | 52.8% | 45.7% | 28.8% | 20.6% | 24.3% |
| Margem EBITDA | 49.1% | 44.5% | 36.7% | 20.8% | 26.5% | 59.0% | 49.7% | 30.5% | 22.1% | 25.5% |
| Margem Líquida | 26.7% | 22.5% | 22.4% | 12.0% | 15.9% | 38.4% | 32.9% | 20.1% | 14.5% | 17.1% |
| Margem FCF | 27.7% | 33.3% | 28.2% | 21.0% | 21.0% | 35.4% | 47.2% | 26.5% | 11.9% | 45.8% |
| Taxa Efetiva de Imposto | 36.8% | 42.6% | 31.1% | 30.8% | 29.1% | 27.2% | 27.9% | 30.1% | 29.8% | 29.5% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.83 | $2.51 | $2.28 | $1.86 | $1.84 | $2.99 | $4.78 | $3.47 | $1.71 | $6.78 |
| Dividendo por Ação | $0.80 | $0.80 | $0.96 | $0.97 | $0.53 | $0.54 | $0.94 | $1.01 | $1.01 | $1.09 |
| Ações em Circulação (Básicas) | $31.9M | $32.1M | $31.9M | $30.7M | $30.3M | $30.4M | $30.3M | $30.3M | $30.0M | $29.9M |
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 | 11.20% |
| Retorno sobre capital investido | 4.74% |
| Retorno sobre ativos | 1.12% |
| Margem bruta | 56.36% |
| Margem operacional | 17.26% |
| Margem líquida | 23.16% |
Saúde financeira
| Dívida / Patrimônio | 0.16 |
| Liquidez corrente | 0.20 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 19.83 | 17.85 | 10.88 | 18.87 | 8.22 | 7.35 | 7.43 | 7.38 | 11.41 | 10.60 |
| P/VP | 2.10 | 1.73 | 1.14 | 1.09 | 0.60 | 1.12 | 1.18 | 0.84 | 0.97 | 1.01 |
| P/V | 5.26 | 4.01 | 2.43 | 2.25 | 1.29 | 2.80 | 2.43 | 1.48 | 1.65 | 1.81 |
| Margem Bruta | 93.4% | 86.3% | 77.8% | 63.0% | 66.7% | 101.1% | 88.0% | 61.7% | 53.3% | 57.5% |
| Margem Operacional | 42.3% | 39.3% | 32.4% | 17.3% | 22.4% | 52.8% | 45.7% | 28.8% | 20.6% | 24.3% |
| Margem Líquida | 26.7% | 22.5% | 22.4% | 12.0% | 15.9% | 38.4% | 32.9% | 20.1% | 14.5% | 17.1% |