Demonstrações financeiras detalhadas de Provident Financial Services, Inc. (PFS): 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
Provident Financial Services, Inc. registou receitas de $1.38B no último exercício, com um CAGR de 5 anos de 26.0%. O lucro líquido atingiu $291.2M, com CAGR de 5 anos de 24.6%.
Margens dos últimos 12 meses: margem bruta 63.2%, margem operacional 28.8%, margem líquida 22.7%. O fluxo de caixa livre cresceu a CAGR de 36.6% em 5 anos.
Ao preço atual de $23.33, PFS negocia a um P/L de 9.72 e um ROE de 11.00%. A capitalização de mercado é de $3.0B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $357.7M | $379.5M | $418.5M | $435.3M | $435.7M | $489.1M | $554.0M | $695.6M | $1.14B | $1.38B |
| Custo da Receita | $49.1M | $51.2M | $82.9M | $86.6M | $82.3M | $13.5M | $53.6M | $244.5M | $533.1M | $515.8M |
| Lucro Bruto | $308.6M | $328.3M | $335.7M | $348.7M | $353.5M | $475.7M | $500.3M | $451.1M | $607.2M | $866.8M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $114.7M | $117.1M | $118.8M | $122.3M | $138.4M | $153.6M | $157.6M | $161.9M | $236.5M | $271.6M |
| Despesas Operacionais | $183.8M | $187.8M | $191.7M | $201.6M | $225.9M | $248.5M | $260.2M | $275.3M | $457.5M | $458.7M |
| Lucro Operacional | $124.8M | $140.5M | $143.9M | $147.1M | $127.6M | $227.1M | $240.1M | $175.8M | $149.6M | $408.2M |
| EBITDA | $137.5M | $152.1M | $154.0M | $166.0M | $147.6M | $249.8M | $263.8M | $198.0M | $204.2M | $473.7M |
| Despesas com Juros | $43.7M | $45.6M | $59.2M | $73.5M | $50.7M | $36.3M | $48.6M | $216.4M | $445.5M | $512.2M |
| Lucro Antes de Impostos | $124.8M | $140.5M | $143.9M | $147.1M | $127.6M | $227.1M | $240.1M | $175.8M | $149.6M | $408.2M |
| Imposto | $37.0M | $46.5M | $25.5M | $34.5M | $30.6M | $59.2M | $64.5M | $47.4M | $34.1M | $117.0M |
| Lucro Líquido | $87.8M | $93.9M | $118.4M | $112.6M | $97.0M | $167.9M | $175.6M | $128.4M | $115.5M | $291.2M |
| LPA | $1.38 | $1.46 | $1.82 | $1.74 | $1.39 | $2.20 | $2.35 | $1.72 | $1.05 | $2.23 |
| LPA Diluído | $1.38 | $1.45 | $1.82 | $1.74 | $1.39 | $2.19 | $2.35 | $1.71 | $1.05 | $2.23 |
| Ações em Circulação (Diluídas) | $63.9M | $64.6M | $65.1M | $64.7M | $69.6M | $76.6M | $74.8M | $74.9M | $109.7M | $130.5M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $353.7M | $353.1M | $346.5M | $326.6M |
| Lucro Bruto | $214.7M | $226.9M | $227.3M | $202.7M |
| Lucro Operacional | $101.6M | $112.2M | $110.2M | $74.1M |
| EBITDA | $118.0M | $128.0M | $125.7M | $114.6M |
| Lucro Líquido | $71.7M | $83.4M | $79.4M | $78.1M |
| LPA | $0.55 | $0.64 | $0.61 | $0.60 |
| LPA Diluído | $0.55 | $0.64 | $0.61 | $0.60 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $144.3M | $190.8M | $142.7M | $186.7M | $532.4M | $712.5M | $186.4M | $180.3M | $205.9M | $211.5M |
| Investimentos de Curto Prazo | $1.04B | $1.04B | $1.06B | $976.9M | $1.11B | $2.06B | $1.80B | $1.69B | $2.77B | $3.16B |
| Contas a Receber | $27.1M | $29.6M | $31.5M | $29.0M | $46.5M | $42.0M | $51.9M | $59.0M | $91.2M | $95.8M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $1.21B | $1.26B | $1.24B | $1.19B | $1.68B | $2.81B | $2.04B | $1.93B | $3.07B | $3.47B |
| Imobilizado | $84.1M | $63.2M | $58.1M | $55.2M | $75.9M | $80.6M | $79.8M | $71.0M | $119.6M | $113.3M |
| Ágio | $411.6M | $411.6M | $411.6M | $420.6M | $443.0M | $443.6M | $443.6M | $443.6M | $624.1M | 0 |
| Ativos Intangíveis | $11.3M | $8.7M | $6.6M | $16.5M | $23.2M | $20.6M | $17.3M | $14.3M | $195.2M | $782.2M |
| Ativos Totais | $9.50B | $9.85B | $9.73B | $9.81B | $12.92B | $13.78B | $13.78B | $14.21B | $24.05B | $24.98B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $156.7M | $143.2M | $121.3M | $60.7M | $99.9M | $116.8M | $98.0M | $72.2M | $113.2M | $95.0M |
| Passivos Circulantes | $6.73B | $6.88B | $6.98B | $7.19B | $9.97B | $11.39B | $10.70B | $10.40B | $18.78B | $19.41B |
| Dívida de Longo Prazo | $1.45B | $1.60B | $1.32B | $1.06B | $1.10B | $520.3M | $1.25B | $1.46B | $2.31B | $2.42B |
| Passivos Totais | $8.25B | $8.55B | $8.37B | $8.39B | $11.30B | $12.08B | $12.19B | $12.52B | $21.45B | $22.15B |
| Reservas | $550.8M | $586.1M | $651.1M | $695.3M | $718.1M | $814.5M | $918.2M | $974.5M | $989.1M | $1.15B |
| Patrimônio Líquido | $1.25B | $1.30B | $1.36B | $1.41B | $1.62B | $1.70B | $1.60B | $1.69B | $2.60B | $2.83B |
| Dívida Total | $1.61B | $1.74B | $1.44B | $1.13B | $1.20B | $637.1M | $1.35B | $1.53B | $2.42B | $2.52B |
| Dívida Líquida | $428.1M | $513.9M | $236.5M | -$38.5M | -$436.7M | -$2.13B | -$642.2M | -$339.6M | -$552.8M | -$857.7M |
| Capital de Giro | -$5.52B | -$5.63B | -$5.74B | -$6.00B | -$8.29B | -$8.57B | -$8.65B | -$8.47B | -$15.71B | -$15.94B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $301.6M | $211.5M | $222.1M | $228.3M |
| Ativos Totais | $24.83B | $24.98B | $25.20B | $25.66B |
| Passivos Totais | $22.07B | $22.15B | $22.34B | $22.76B |
| Patrimônio Líquido | $2.77B | $2.83B | $2.86B | $2.91B |
| Dívida Total | $2.61B | $2.52B | $2.89B | $4.79B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $87.8M | $93.9M | $118.4M | $112.6M | $97.0M | $167.9M | $175.6M | $128.4M | $115.5M | $291.2M |
| Depreciação e Amortização | $12.8M | $11.6M | $10.1M | $18.8M | $20.0M | $22.7M | $23.7M | $22.2M | $54.6M | $65.5M |
| Compensação em Ações | $7.7M | $9.8M | $10.8M | $11.4M | $7.9M | $10.0M | $13.7M | $10.8M | $12.2M | $10.5M |
| Variação Capital de Giro | $1.8M | -$48.5M | $8.3M | -$18.5M | -$38.5M | -$33.4M | -$5.7M | -$11.0M | $35.6M | -$70.2M |
| Fluxo de Caixa Operacional | $127.3M | $117.2M | $155.7M | $136.9M | $103.3M | $156.8M | $200.3M | $173.4M | $426.4M | $442.3M |
| CapEx | -$5.0M | -$3.2M | -$3.2M | -$4.9M | -$12.8M | -$13.8M | -$9.4M | -$7.5M | -$1.3M | -$11.5M |
| Aquisições | 0 | 0 | 0 | -$15.0M | $78.1M | 0 | 0 | 0 | $194.5M | 0 |
| Recompra de Ações | -$1.6M | -$443000 | -$13.2M | -$19.9M | -$21.2M | -$20.7M | -$46.5M | 0 | -$1.3M | 0 |
| Dividendos Pagos | -$45.4M | -$60.0M | -$53.6M | -$72.8M | -$65.8M | -$71.5M | -$72.0M | -$72.4M | -$101.0M | -$125.9M |
| Fluxo de Caixa Livre | $122.3M | $114.0M | $152.6M | $132.0M | $90.5M | $143.0M | $190.9M | $165.9M | $425.1M | $430.7M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $98.0M | $68.9M | $84.7M | $118.8M |
| CapEx | -$1.3M | -$6.5M | -$3.7M | $3.7M |
| Fluxo de Caixa Livre | $96.7M | $62.5M | $81.0M | $122.5M |
| Dividendos Pagos | -$31.3M | -$31.3M | -$31.4M | -$30.4M |
| Compensação em Ações | $2.6M | $3.0M | $2.7M | -$2.7M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +6.1% | +10.3% | +4.0% | +0.1% | +12.3% | +13.3% | +25.6% | +63.9% | +21.3% |
| Crescimento Lucro Líquido (anual) | | +7.0% | +26.0% | -4.9% | -13.9% | +73.2% | +4.6% | -26.9% | -10.0% | +152.0% |
| Crescimento LPA (anual) | | +5.8% | +24.7% | -4.4% | -20.1% | +58.3% | +6.8% | -26.8% | -39.0% | +112.4% |
| Variação de Ações (anual) | | +1.1% | +0.8% | -0.6% | +7.6% | +10.0% | -2.3% | +0.1% | +46.5% | +19.0% |
| Crescimento FCF (anual) | | -6.8% | +33.8% | -13.4% | -31.5% | +58.1% | +33.5% | -13.1% | +156.2% | +1.3% |
| Margem Bruta | 86.3% | 86.5% | 80.2% | 80.1% | 81.1% | 97.2% | 90.3% | 64.8% | 53.2% | 62.7% |
| Margem Operacional | 34.9% | 37.0% | 34.4% | 33.8% | 29.3% | 46.4% | 43.3% | 25.3% | 13.1% | 29.5% |
| Margem EBITDA | 38.5% | 40.1% | 36.8% | 38.1% | 33.9% | 51.1% | 47.6% | 28.5% | 17.9% | 34.3% |
| Margem Líquida | 24.5% | 24.8% | 28.3% | 25.9% | 22.2% | 34.3% | 31.7% | 18.5% | 10.1% | 21.1% |
| Margem FCF | 34.2% | 30.0% | 36.5% | 30.3% | 20.8% | 29.2% | 34.5% | 23.8% | 37.3% | 31.2% |
| Taxa Efetiva de Imposto | 29.6% | 33.1% | 17.7% | 23.4% | 24.0% | 26.1% | 26.8% | 27.0% | 22.8% | 28.7% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.92 | $1.77 | $2.34 | $2.04 | $1.30 | $1.87 | $2.55 | $2.22 | $3.87 | $3.30 |
| Dividendo por Ação | $0.71 | $0.93 | $0.82 | $1.12 | $0.95 | $0.93 | $0.96 | $0.97 | $0.92 | $0.96 |
| Ações em Circulação (Básicas) | $63.6M | $64.4M | $64.9M | $64.6M | $69.5M | $76.5M | $74.7M | $74.8M | $109.7M | $130.5M |
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 | 11.00% |
| Retorno sobre capital investido | 4.48% |
| Retorno sobre ativos | 1.22% |
| Margem bruta | 63.16% |
| Margem operacional | 28.85% |
| Margem líquida | 22.66% |
Saúde financeira
| Dívida / Patrimônio | 1.65 |
| Liquidez corrente | 0.00 |
| Piotroski F-Score | 5 |
| Altman Z-Score | -0.52 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 20.51 | 18.47 | 13.26 | 14.17 | 12.92 | 11.01 | 9.09 | 10.48 | 17.97 | 8.86 |
| P/VP | 1.44 | 1.34 | 1.15 | 1.13 | 0.77 | 1.09 | 1.00 | 0.80 | 0.80 | 0.91 |
| P/V | 5.04 | 4.58 | 3.74 | 3.66 | 2.87 | 3.79 | 2.88 | 1.94 | 1.81 | 1.86 |
| Margem Bruta | 86.3% | 86.5% | 80.2% | 80.1% | 81.1% | 97.2% | 90.3% | 64.8% | 53.2% | 62.7% |
| Margem Operacional | 34.9% | 37.0% | 34.4% | 33.8% | 29.3% | 46.4% | 43.3% | 25.3% | 13.1% | 29.5% |
| Margem Líquida | 24.5% | 24.8% | 28.3% | 25.9% | 22.2% | 34.3% | 31.7% | 18.5% | 10.1% | 21.1% |