Demonstrações financeiras detalhadas de Kearny Financial Corp. (KRNY): 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
Kearny Financial Corp. registou receitas de $347.1M no último exercício, com um CAGR de 5 anos de 6.3%. O lucro líquido atingiu $36.3M, com CAGR de 5 anos de -10.5%.
Margens dos últimos 12 meses: margem bruta 50.8%, margem operacional 13.7%, margem líquida 10.4%. O fluxo de caixa livre cresceu a CAGR de -13.2% em 5 anos.
Ao preço atual de $9.65, KRNY negocia a um P/L de 16.06 e um ROE de 4.77%. A capitalização de mercado é de $607M.
Demonstração de Resultados (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Receita | $150.4M | $184.7M | $250.9M | $252.9M | $256.1M | $240.2M | $296.5M | $326.9M | $343.5M | $347.1M |
| Custo da Receita | $41.9M | $52.8M | $85.6M | $88.1M | $48.7M | $22.2M | $120.3M | $192.5M | $191.9M | $170.7M |
| Lucro Bruto | $108.5M | $131.8M | $165.3M | $164.9M | $207.3M | $218.1M | $176.1M | $134.4M | $151.6M | $176.4M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $53.6M | $61.0M | $70.9M | $68.2M | $75.9M | $82.9M | $84.2M | $78.1M | $80.0M | $84.0M |
| Despesas Operacionais | $81.1M | $97.8M | $109.2M | $107.6M | $122.8M | $125.7M | $123.8M | $215.2M | $120.6M | $129.0M |
| Lucro Operacional | $27.4M | $34.0M | $56.1M | $57.3M | $84.5M | $92.3M | $52.4M | -$80.8M | $31.0M | $47.4M |
| EBITDA | $30.4M | $37.6M | $61.5M | $63.1M | $91.3M | $99.0M | $58.7M | -$75.5M | $35.9M | $51.8M |
| Despesas com Juros | $36.5M | $50.1M | $82.0M | $83.9M | $49.9M | $29.7M | $117.9M | $186.3M | $189.5M | $169.0M |
| Lucro Antes de Impostos | $27.4M | $34.0M | $56.1M | $57.3M | $84.5M | $92.3M | $52.4M | -$80.8M | $31.0M | $47.4M |
| Imposto | $8.8M | $14.4M | $13.9M | $12.3M | $21.3M | $24.8M | $11.6M | $5.9M | $4.9M | $11.1M |
| Lucro Líquido | $18.6M | $19.6M | $42.1M | $45.0M | $63.2M | $67.5M | $40.8M | -$86.7M | $26.1M | $36.3M |
| LPA | $0.22 | $0.24 | $0.46 | $0.55 | $0.77 | $0.95 | $0.63 | $-1.39 | $0.42 | $0.58 |
| LPA Diluído | $0.22 | $0.24 | $0.46 | $0.55 | $0.77 | $0.95 | $0.63 | $-1.39 | $0.42 | $0.57 |
| Ações em Circulação (Diluídas) | $84.7M | $82.6M | $91.1M | $83.7M | $82.4M | $70.9M | $64.8M | $62.4M | $62.7M | $63.2M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $88.4M | $86.2M | $85.3M | $87.3M |
| Lucro Bruto | $43.6M | $43.0M | $44.9M | $44.9M |
| Lucro Operacional | $12.0M | $11.8M | $12.6M | $11.0M |
| EBITDA | $13.1M | $12.9M | $13.7M | $12.1M |
| Lucro Líquido | $9.5M | $9.4M | $10.1M | $7.2M |
| LPA | $0.15 | $0.15 | $0.16 | $0.12 |
| LPA Diluído | $0.15 | $0.15 | $0.16 | $0.11 |
Balanço (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Caixa e Equivalentes | $78.2M | $128.9M | $38.9M | $181.0M | $67.9M | $101.6M | $70.5M | $63.9M | $167.3M | $114.8M |
| Investimentos de Curto Prazo | $613.8M | $725.1M | $714.3M | $1.39B | $1.68B | $1.34B | $1.23B | $1.07B | $1.01B | $964.4M |
| Contas a Receber | $12.5M | $18.5M | $19.4M | $17.4M | $19.4M | $20.5M | $28.1M | $29.5M | $5.79B | $5.86B |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $704.5M | $872.5M | $772.6M | $1.58B | $1.76B | $1.47B | $1.33B | $1.17B | $6.98B | $6.94B |
| Imobilizado | $39.6M | $56.2M | $56.9M | $57.4M | $56.3M | $53.3M | $48.3M | $44.9M | $43.9M | $42.4M |
| Ágio | $108.6M | $210.9M | $210.9M | $210.9M | $210.9M | $210.9M | $210.9M | $113.5M | $113.5M | $113.5M |
| Ativos Intangíveis | $292000 | $6.3M | $5.2M | $4.0M | $3.7M | $3.0M | $2.5M | $1.9M | $1.4M | $968000 |
| Ativos Totais | $4.82B | $6.58B | $6.63B | $6.76B | $7.28B | $7.72B | $8.06B | $7.68B | $7.74B | $7.68B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | $250.0M | $225.0M | $175.0M | $150.0M | 0 |
| Passivos Circulantes | $2.93B | $4.07B | $4.15B | $4.43B | $5.49B | $6.11B | $5.85B | $5.33B | $5.83B | $5.73B |
| Dívida de Longo Prazo | $806.2M | $1.20B | $1.32B | $1.17B | $685.9M | $651.3M | $1.28B | $1.43B | $1.11B | $1.15B |
| Passivos Totais | $3.76B | $5.31B | $5.51B | $5.67B | $6.24B | $6.83B | $7.20B | $6.93B | $6.99B | $6.92B |
| Reservas | $361.0M | $359.1M | $366.7M | $387.9M | $408.4M | $445.5M | $457.6M | $343.3M | $341.7M | $350.0M |
| Patrimônio Líquido | $1.06B | $1.27B | $1.13B | $1.08B | $1.04B | $894.0M | $869.3M | $753.6M | $746.0M | $766.7M |
| Dívida Total | $806.2M | $1.20B | $1.32B | $1.17B | $685.9M | $901.3M | $1.51B | $1.61B | $1.26B | $1.15B |
| Dívida Líquida | $114.2M | $344.7M | $568.8M | -$393.5M | -$1.06B | -$544.4M | $208.6M | $473.1M | $76.3M | $70.8M |
| Capital de Giro | -$2.23B | -$3.20B | -$3.38B | -$2.85B | -$3.72B | -$4.65B | -$4.53B | -$4.17B | $1.15B | $1.21B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $130.1M | $147.3M | $123.8M | $114.8M |
| Ativos Totais | $7.65B | $7.62B | $7.61B | $7.68B |
| Passivos Totais | $6.89B | $6.86B | $6.84B | $6.92B |
| Patrimônio Líquido | $753.2M | $757.4M | $763.0M | $766.7M |
| Dívida Total | $1.21B | $1.09B | $1.06B | $1.15B |
Fluxo de Caixa (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Lucro Líquido | $18.6M | $19.6M | $42.1M | $45.0M | $63.2M | $67.5M | $40.8M | -$86.7M | $26.1M | $36.3M |
| Depreciação e Amortização | $3.0M | $3.6M | $5.5M | $5.8M | $6.8M | $6.7M | $6.3M | $5.3M | $4.9M | 0 |
| Compensação em Ações | $6.8M | $9.2M | $8.8M | $8.2M | $7.7M | $6.3M | $4.9M | $4.0M | $3.2M | 0 |
| Variação Capital de Giro | -$6.7M | -$4.3M | -$3.7M | -$26.5M | $5.6M | -$6.8M | -$18.2M | -$12.3M | -$10.4M | -$8.8M |
| Fluxo de Caixa Operacional | $38.5M | $45.1M | $39.0M | $19.3M | $75.4M | $81.3M | $69.5M | $44.0M | $24.8M | $36.9M |
| CapEx | -$4.0M | -$8.3M | -$6.1M | -$6.0M | -$5.5M | -$2.9M | -$1.4M | -$1.4M | -$3.4M | -$2.5M |
| Aquisições | 0 | $30.1M | 0 | 0 | $4.3M | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$126.0M | -$144.0M | -$142.7M | -$70.9M | -$119.8M | -$130.5M | -$28.0M | -$11.7M | -$362000 | -$424000 |
| Dividendos Pagos | -$8.3M | -$20.6M | -$34.7M | -$24.1M | -$28.6M | -$30.7M | -$28.5M | -$27.6M | -$27.6M | -$27.8M |
| Fluxo de Caixa Livre | $34.5M | $36.8M | $32.9M | $13.4M | $70.0M | $78.4M | $68.2M | $42.6M | $21.4M | $34.4M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $1.5M | $14.3M | $7.9M | $14.0M |
| CapEx | -$367000 | $367000 | -$305000 | -$367000 |
| Fluxo de Caixa Livre | $1.1M | $14.7M | $7.6M | $13.6M |
| Dividendos Pagos | -$7.1M | -$6.9M | -$6.9M | -$6.9M |
| Compensação em Ações | $847000 | $956000 | $969000 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Crescimento Receita (anual) | | +22.8% | +35.8% | +0.8% | +1.2% | -6.2% | +23.4% | +10.3% | +5.1% | +1.1% |
| Crescimento Lucro Líquido (anual) | | +5.3% | +115.1% | +6.7% | +40.6% | +6.8% | -39.6% | -312.4% | +130.1% | +39.1% |
| Crescimento LPA (anual) | | +9.1% | +91.7% | +19.6% | +40.0% | +23.4% | -33.7% | -320.6% | +130.2% | +38.1% |
| Variação de Ações (anual) | | -2.4% | +10.2% | -8.2% | -1.5% | -13.9% | -8.6% | -3.6% | +0.4% | +0.8% |
| Crescimento FCF (anual) | | +6.8% | -10.8% | -59.3% | +423.5% | +12.0% | -13.0% | -37.5% | -49.8% | +61.0% |
| Margem Bruta | 72.1% | 71.4% | 65.9% | 65.2% | 81.0% | 90.8% | 59.4% | 41.1% | 44.1% | 50.8% |
| Margem Operacional | 18.2% | 18.4% | 22.3% | 22.6% | 33.0% | 38.4% | 17.7% | -24.7% | 9.0% | 13.7% |
| Margem EBITDA | 20.2% | 20.4% | 24.5% | 24.9% | 35.7% | 41.2% | 19.8% | -23.1% | 10.4% | 14.9% |
| Margem Líquida | 12.4% | 10.6% | 16.8% | 17.8% | 24.7% | 28.1% | 13.8% | -26.5% | 7.6% | 10.4% |
| Margem FCF | 22.9% | 19.9% | 13.1% | 5.3% | 27.3% | 32.6% | 23.0% | 13.0% | 6.2% | 9.9% |
| Taxa Efetiva de Imposto | 32.2% | 42.4% | 24.8% | 21.5% | 25.2% | 26.9% | 22.1% | -7.3% | 15.9% | 23.5% |
Dados por Ação (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| FCF por Ação | $0.41 | $0.45 | $0.36 | $0.16 | $0.85 | $1.11 | $1.05 | $0.68 | $0.34 | $0.54 |
| Dividendo por Ação | $0.10 | $0.25 | $0.38 | $0.29 | $0.35 | $0.43 | $0.44 | $0.44 | $0.44 | $0.44 |
| Ações em Circulação (Básicas) | $84.6M | $82.6M | $91.1M | $83.7M | $82.4M | $70.9M | $64.8M | $62.4M | $62.5M | $62.9M |
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 | 4.77% |
| Retorno sobre capital investido | 0.51% |
| Retorno sobre ativos | 0.47% |
| Margem bruta | 50.82% |
| Margem operacional | 13.66% |
| Margem líquida | 10.45% |
Saúde financeira
| Dívida / Patrimônio | 1.50 |
| Liquidez corrente | 34.68 |
Índices Chave (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| P/L | 67.50 | 56.04 | 29.24 | 14.87 | 15.52 | 11.69 | 11.19 | -4.32 | 15.38 | 16.31 |
| P/VP | 1.19 | 0.88 | 1.09 | 0.63 | 0.94 | 0.88 | 0.53 | 0.50 | 0.54 | 0.78 |
| P/V | 8.35 | 6.01 | 4.88 | 2.71 | 3.84 | 3.28 | 1.54 | 1.15 | 1.18 | 1.71 |
| Margem Bruta | 72.1% | 71.4% | 65.9% | 65.2% | 81.0% | 90.8% | 59.4% | 41.1% | 44.1% | 50.8% |
| Margem Operacional | 18.2% | 18.4% | 22.3% | 22.6% | 33.0% | 38.4% | 17.7% | -24.7% | 9.0% | 13.7% |
| Margem Líquida | 12.4% | 10.6% | 16.8% | 17.8% | 24.7% | 28.1% | 13.8% | -26.5% | 7.6% | 10.4% |