Demonstrações financeiras detalhadas de Hope Bancorp, Inc. (HOPE): 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
Hope Bancorp, Inc. registou receitas de $967.8M no último exercício, com um CAGR de 5 anos de 8.4%. O lucro líquido atingiu $58.5M, com CAGR de 5 anos de -12.1%.
Margens dos últimos 12 meses: margem bruta 53.9%, margem operacional 16.1%, margem líquida 12.6%. O fluxo de caixa livre cresceu a CAGR de -1.2% em 5 anos.
Ao preço atual de $13.95, HOPE negocia a um P/L de 13.84 e um ROE de 5.61%. A capitalização de mercado é de $1.8B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $470.8M | $637.9M | $707.5M | $729.5M | $645.5M | $610.1M | $767.5M | $1.09B | $1.00B | $967.8M |
| Custo da Receita | $67.6M | $108.1M | $177.1M | $225.5M | $226.4M | $41.6M | $147.5M | $554.6M | $543.4M | $497.4M |
| Lucro Bruto | $403.2M | $529.9M | $530.3M | $504.0M | $419.1M | $568.6M | $620.0M | $539.8M | $456.6M | $470.4M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $130.8M | $172.3M | $183.7M | $185.0M | $174.8M | $180.3M | $211.0M | $225.1M | $189.4M | $169.9M |
| Despesas Operacionais | $212.0M | $266.0M | $274.9M | $277.7M | $276.8M | $293.3M | $323.9M | $362.0M | $323.7M | $389.6M |
| Lucro Operacional | $191.2M | $263.8M | $255.5M | $226.3M | $142.3M | $275.3M | $296.0M | $177.9M | $133.0M | $80.7M |
| EBITDA | $189.6M | $248.9M | $255.5M | $226.3M | $142.3M | $275.3M | $296.0M | $177.9M | $133.0M | $83.7M |
| Despesas com Juros | $58.6M | $90.7M | $162.2M | $218.2M | $131.4M | $53.8M | $137.7M | $523.0M | $526.1M | $468.9M |
| Lucro Antes de Impostos | $191.2M | $263.8M | $255.5M | $226.3M | $142.3M | $275.3M | $296.0M | $177.9M | $133.0M | $73.5M |
| Imposto | $77.5M | $124.4M | $65.9M | $55.3M | $30.8M | $70.7M | $77.8M | $44.2M | $33.3M | $15.0M |
| Lucro Líquido | $113.7M | $139.4M | $189.6M | $171.0M | $111.5M | $204.6M | $218.3M | $133.7M | $99.6M | $58.5M |
| LPA | $1.10 | $1.03 | $1.44 | $1.35 | $0.90 | $1.67 | $1.82 | $1.11 | $0.83 | $0.46 |
| LPA Diluído | $1.10 | $1.03 | $1.44 | $1.35 | $0.90 | $1.66 | $1.81 | $1.11 | $0.82 | $0.46 |
| Ações em Circulação (Diluídas) | $103.5M | $135.7M | $132.0M | $126.9M | $123.9M | $123.1M | $120.5M | $120.4M | $121.1M | $128.8M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $260.2M | $258.6M | $246.6M | $250.9M |
| Lucro Bruto | $133.3M | $145.8M | $131.9M | $136.9M |
| Lucro Operacional | $36.5M | $46.3M | $37.9M | $42.6M |
| EBITDA | $36.5M | $49.3M | $37.9M | $42.6M |
| Lucro Líquido | $30.8M | $34.5M | $29.5M | $33.0M |
| LPA | $0.24 | $0.27 | $0.23 | $0.26 |
| LPA Diluído | $0.24 | $0.27 | $0.23 | $0.26 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $481.5M | $545.4M | $489.0M | $727.7M | $379.2M | $329.1M | $506.8M | $1.93B | $458.2M | $560.1M |
| Investimentos de Curto Prazo | $1.56B | $1.72B | $1.85B | $1.72B | $2.29B | $2.67B | $1.97B | $2.15B | 0 | $2.07B |
| Contas a Receber | $26.9M | $30.0M | $32.2M | $30.8M | $59.4M | $41.8M | $55.5M | $61.7M | $51.2M | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $2.07B | $2.30B | $2.37B | $2.47B | $2.72B | $3.02B | $2.54B | $4.14B | $509.4M | $2.69B |
| Imobilizado | $55.3M | $56.7M | $53.8M | $110.6M | $96.1M | $98.4M | $101.9M | $97.2M | $91.2M | $69.6M |
| Ágio | $464.4M | $464.4M | $464.4M | $464.4M | $464.4M | $464.4M | $464.4M | $464.4M | $464.4M | $525.9M |
| Ativos Intangíveis | $19.2M | $16.5M | $14.1M | $11.8M | $9.7M | $7.7M | $5.7M | $3.9M | $2.3M | 0 |
| Ativos Totais | $13.44B | $14.21B | $15.31B | $15.67B | $17.11B | $17.89B | $19.16B | $19.13B | $17.05B | $18.53B |
| Contas a Pagar | $10.9M | $16.0M | $31.4M | $33.8M | $14.7M | $4.3M | $26.7M | $168.2M | $93.8M | 0 |
| Dívida de Curto Prazo | 0 | $69.9M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $284.9M |
| Passivos Circulantes | $10.65B | $10.93B | $12.19B | $12.56B | $14.35B | $15.04B | $15.77B | $14.92B | $14.42B | $3.73B |
| Dívida de Longo Prazo | $854.1M | $1.26B | $1.12B | $927.5M | $558.7M | $621.6M | $1.19B | $1.90B | $348.6M | $111.0M |
| Passivos Totais | $11.59B | $12.28B | $13.40B | $13.63B | $15.05B | $15.80B | $17.15B | $17.01B | $14.92B | $16.25B |
| Reservas | $469.5M | $541.3M | $662.4M | $762.5M | $785.9M | $932.6M | $1.08B | $1.15B | $1.18B | $1.17B |
| Patrimônio Líquido | $1.86B | $1.93B | $1.90B | $2.04B | $2.05B | $2.09B | $2.02B | $2.12B | $2.13B | $2.28B |
| Dívida Total | $854.1M | $1.33B | $1.12B | $988.0M | $610.8M | $678.9M | $1.25B | $1.96B | $392.6M | $395.9M |
| Dívida Líquida | -$1.18B | -$937.2M | -$1.22B | -$1.46B | -$2.05B | -$2.32B | -$1.23B | -$2.12B | -$65.6M | -$2.24B |
| Capital de Giro | -$8.59B | -$8.64B | -$9.82B | -$10.09B | -$11.62B | -$12.02B | -$13.23B | -$10.79B | -$13.91B | -$1.05B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $454.9M | $560.1M | $594.8M | $640.4M |
| Ativos Totais | $18.51B | $18.53B | $18.66B | $18.99B |
| Passivos Totais | $16.25B | $16.25B | $16.37B | $16.70B |
| Patrimônio Líquido | $2.26B | $2.28B | $2.28B | $2.30B |
| Dívida Total | $223.9M | $395.9M | $396.3M | $583.7M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $113.7M | $139.4M | $189.6M | $171.0M | $111.5M | $204.6M | $218.3M | $133.7M | $99.6M | $61.6M |
| Depreciação e Amortização | -$1.6M | -$14.9M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Compensação em Ações | $3.0M | $3.2M | $3.7M | $5.3M | $8.1M | $8.4M | $12.3M | $12.3M | $8.9M | $7.7M |
| Variação Capital de Giro | -$8.8M | -$3.2M | $8.7M | -$15.7M | -$84.1M | $42.7M | $64.7M | $217.6M | -$70.0M | -$70.1M |
| Fluxo de Caixa Operacional | $130.6M | $203.9M | $219.9M | $183.9M | $165.9M | $324.2M | $485.5M | $473.8M | $116.7M | $164.5M |
| CapEx | -$14.3M | -$14.8M | -$6.8M | -$6.6M | -$5.0M | -$7.2M | -$9.1M | -$13.1M | -$9.8M | -$13.1M |
| Aquisições | $100.1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $86.9M |
| Recompra de Ações | $1.32B | $1.70B | -$150.0M | -$13.2M | -$36.8M | -$50.0M | -$14.7M | 0 | -$3.5M | 0 |
| Dividendos Pagos | -$42.5M | -$67.7M | -$71.6M | -$70.9M | -$69.2M | -$68.7M | -$67.1M | -$67.1M | -$67.5M | -$70.7M |
| Fluxo de Caixa Livre | $116.3M | $189.1M | $213.1M | $177.2M | $160.9M | $317.0M | $476.4M | $460.7M | $106.9M | $151.5M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $51.7M | $76.8M | $13.8M | $60.4M |
| CapEx | -$4.6M | -$7.8M | -$2.0M | -$4.4M |
| Fluxo de Caixa Livre | $47.2M | $69.0M | $11.8M | $56.0M |
| Dividendos Pagos | -$17.9M | -$17.9M | -$17.9M | -$17.9M |
| Compensação em Ações | $2.0M | $2.1M | $1.0M | $2.7M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +35.5% | +10.9% | +3.1% | -11.5% | -5.5% | +25.8% | +42.6% | -8.6% | -3.2% |
| Crescimento Lucro Líquido (anual) | | +22.6% | +36.0% | -9.8% | -34.8% | +83.4% | +6.7% | -38.8% | -25.5% | -41.3% |
| Crescimento LPA (anual) | | -6.4% | +39.8% | -6.2% | -33.3% | +85.6% | +9.0% | -39.0% | -25.2% | -44.6% |
| Variação de Ações (anual) | | +31.1% | -2.7% | -3.8% | -2.4% | -0.6% | -2.2% | -0.1% | +0.6% | +6.3% |
| Crescimento FCF (anual) | | +62.7% | +12.7% | -16.8% | -9.2% | +97.0% | +50.3% | -3.3% | -76.8% | +41.7% |
| Margem Bruta | 85.6% | 83.1% | 75.0% | 69.1% | 64.9% | 93.2% | 80.8% | 49.3% | 45.7% | 48.6% |
| Margem Operacional | 40.6% | 41.4% | 36.1% | 31.0% | 22.0% | 45.1% | 38.6% | 16.3% | 13.3% | 8.3% |
| Margem EBITDA | 40.3% | 39.0% | 36.1% | 31.0% | 22.0% | 45.1% | 38.6% | 16.3% | 13.3% | 8.6% |
| Margem Líquida | 24.2% | 21.9% | 26.8% | 23.4% | 17.3% | 33.5% | 28.4% | 12.2% | 10.0% | 6.0% |
| Margem FCF | 24.7% | 29.6% | 30.1% | 24.3% | 24.9% | 52.0% | 62.1% | 42.1% | 10.7% | 15.6% |
| Taxa Efetiva de Imposto | 40.5% | 47.1% | 25.8% | 24.4% | 21.6% | 25.7% | 26.3% | 24.9% | 25.1% | 20.4% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.12 | $1.39 | $1.61 | $1.40 | $1.30 | $2.57 | $3.95 | $3.83 | $0.88 | $1.18 |
| Dividendo por Ação | $0.41 | $0.50 | $0.54 | $0.56 | $0.56 | $0.56 | $0.56 | $0.56 | $0.56 | $0.55 |
| Ações em Circulação (Básicas) | $103.3M | $135.3M | $131.7M | $126.6M | $123.5M | $122.3M | $119.8M | $120.4M | $120.6M | $128.8M |
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 | 5.61% |
| Retorno sobre capital investido | 0.70% |
| Retorno sobre ativos | 0.67% |
| Margem bruta | 53.91% |
| Margem operacional | 16.07% |
| Margem líquida | 12.58% |
Saúde financeira
| Dívida / Patrimônio | 0.25 |
| Liquidez corrente | 1.47 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 19.90 | 17.72 | 8.24 | 11.01 | 12.12 | 8.81 | 7.04 | 10.80 | 14.81 | 23.83 |
| P/VP | 1.22 | 1.28 | 0.82 | 0.92 | 0.66 | 0.86 | 0.76 | 0.68 | 0.69 | 0.62 |
| P/V | 4.80 | 3.87 | 2.21 | 2.58 | 2.09 | 2.95 | 2.00 | 1.32 | 1.48 | 1.46 |
| Margem Bruta | 85.6% | 83.1% | 75.0% | 69.1% | 64.9% | 93.2% | 80.8% | 49.3% | 45.7% | 48.6% |
| Margem Operacional | 40.6% | 41.4% | 36.1% | 31.0% | 22.0% | 45.1% | 38.6% | 16.3% | 13.3% | 8.3% |
| Margem Líquida | 24.2% | 21.9% | 26.8% | 23.4% | 17.3% | 33.5% | 28.4% | 12.2% | 10.0% | 6.0% |