Demonstrações financeiras detalhadas de Provident Financial Holdings, Inc. (PROV): 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 Holdings, Inc. registou receitas de $59.6M no último exercício, com um CAGR de 5 anos de 8.4%. O lucro líquido atingiu $6.7M, com CAGR de 5 anos de -2.5%.
Margens dos últimos 12 meses: margem bruta 68.1%, margem operacional 16.2%, margem líquida 11.2%. O fluxo de caixa livre cresceu a CAGR de -5.5% em 5 anos.
Ao preço atual de $18.50, PROV negocia a um P/L de 17.93 e um ROE de 5.23%. A capitalização de mercado é de $116M.
Demonstração de Resultados (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Receita | $73.2M | $64.6M | $56.9M | $47.0M | $39.8M | $39.4M | $50.1M | $58.7M | $60.2M | $59.6M |
| Custo da Receita | $5.6M | $5.9M | $5.7M | $7.2M | $3.9M | $673000 | $9.4M | $19.7M | $20.5M | $19.0M |
| Lucro Bruto | $67.6M | $58.7M | $51.2M | $39.8M | $35.9M | $38.8M | $40.7M | $38.9M | $39.7M | $40.6M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $43.8M | $36.6M | $31.7M | $19.9M | $16.4M | $17.0M | $19.0M | $19.1M | $20.5M | $24.6M |
| Despesas Operacionais | $58.8M | $53.2M | $45.2M | $28.9M | $25.7M | $25.9M | $28.3M | $28.5M | $30.8M | $31.0M |
| Lucro Operacional | $8.8M | $5.5M | $5.9M | $10.9M | $10.2M | $12.9M | $12.4M | $10.4M | $8.9M | $9.6M |
| EBITDA | $11.5M | $8.7M | $9.0M | $14.3M | $16.5M | $17.7M | $15.6M | $13.5M | $12.4M | $9.6M |
| Despesas com Juros | $6.7M | $6.4M | $6.2M | $6.1M | $4.6M | $3.1M | $9.0M | $19.8M | $21.2M | $19.6M |
| Lucro Antes de Impostos | $8.8M | $5.5M | $5.9M | $10.9M | $10.2M | $12.9M | $12.4M | $10.4M | $8.9M | $9.6M |
| Imposto | $3.6M | $3.4M | $1.5M | $3.2M | $2.6M | $3.8M | $3.8M | $3.0M | $2.6M | $3.0M |
| Lucro Líquido | $5.2M | $2.1M | $4.4M | $7.7M | $7.6M | $9.1M | $8.6M | $7.4M | $6.3M | $6.7M |
| LPA | $0.66 | $0.28 | $0.59 | $1.03 | $1.01 | $1.23 | $1.20 | $1.06 | $0.93 | $1.04 |
| LPA Diluído | $0.64 | $0.28 | $0.58 | $1.01 | $1.00 | $1.22 | $1.19 | $1.06 | $0.93 | $1.03 |
| Ações em Circulação (Diluídas) | $8.1M | $7.7M | $7.6M | $7.6M | $7.5M | $7.4M | $7.2M | $7.0M | $6.8M | $6.4M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $15.0M | $14.9M | $14.6M | $15.2M |
| Lucro Bruto | $10.4M | $10.0M | $9.6M | $10.7M |
| Lucro Operacional | $2.7M | $2.0M | $1.9M | $2.9M |
| EBITDA | $3.5M | $3.1M | $3.1M | $2.9M |
| Lucro Líquido | $1.7M | $1.4M | $1.4M | $2.2M |
| LPA | $0.26 | $0.22 | $0.21 | $0.34 |
| LPA Diluído | $0.25 | $0.22 | $0.21 | $0.34 |
Balanço (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Caixa e Equivalentes | $72.8M | $43.3M | $70.6M | $116.0M | $70.3M | $23.4M | $65.8M | $51.4M | $53.1M | $49.2M |
| Investimentos de Curto Prazo | $9.3M | $7.5M | $6.0M | $4.7M | $3.6M | $2.7M | $2.2M | $1.8M | $69000 | 0 |
| Contas a Receber | $2.9M | $3.2M | $3.4M | $3.3M | $3.0M | $3.0M | $3.7M | $4.3M | $4.2M | $4.3M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $102.4M | $71.0M | $94.4M | $137.2M | $91.8M | $44.2M | $82.2M | $57.5M | $57.4M | $53.5M |
| Imobilizado | $6.6M | $8.7M | $8.2M | $10.3M | $9.4M | $8.8M | $9.2M | $9.3M | $9.3M | $9.2M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | $739000 | $916000 | $627000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Totais | $1.20B | $1.18B | $1.08B | $1.18B | $1.18B | $1.19B | $1.33B | $1.27B | $1.25B | $1.21B |
| Contas a Pagar | $19.7M | $21.3M | $21.8M | $18.8M | $17.4M | $17.9M | $17.7M | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $112.0M |
| Passivos Circulantes | $946.2M | $928.9M | $863.1M | $911.8M | $955.3M | $973.4M | $968.3M | $888.3M | $888.8M | $112.0M |
| Dívida de Longo Prazo | $126.2M | $126.2M | $101.1M | $141.0M | $101.0M | $85.0M | $235.0M | $238.5M | $213.0M | $45.0M |
| Passivos Totais | $1.07B | $1.06B | $964.2M | $1.05B | $1.06B | $1.06B | $1.20B | $1.14B | $1.12B | $1.08B |
| Reservas | $192.8M | $190.6M | $190.8M | $194.3M | $197.7M | $202.7M | $207.3M | $209.9M | $212.4M | $215.5M |
| Patrimônio Líquido | $128.2M | $120.5M | $120.6M | $124.0M | $127.3M | $128.7M | $129.7M | $129.9M | $128.5M | $126.2M |
| Dívida Total | $126.2M | $126.2M | $101.1M | $141.0M | $101.0M | $85.0M | $235.0M | $238.5M | $213.1M | $157.0M |
| Dívida Líquida | $44.1M | $75.4M | $24.5M | $20.3M | $27.1M | $58.9M | $167.0M | $185.3M | $159.9M | $107.8M |
| Capital de Giro | -$843.8M | -$858.0M | -$768.7M | -$774.6M | -$863.5M | -$929.2M | -$886.0M | -$830.8M | -$831.4M | -$58.5M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $49.4M | $54.4M | $57.1M | $49.2M |
| Ativos Totais | $1.23B | $1.23B | $1.22B | $1.21B |
| Passivos Totais | $1.10B | $1.10B | $1.09B | $1.08B |
| Patrimônio Líquido | $128.4M | $127.5M | $126.6M | $126.2M |
| Dívida Total | $213.1M | $213.1M | $186.3M | $157.0M |
Fluxo de Caixa (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Lucro Líquido | $5.2M | $2.1M | $4.4M | $7.7M | $7.6M | $9.1M | $8.6M | $7.4M | $6.3M | $6.7M |
| Depreciação e Amortização | $2.6M | $3.1M | $3.1M | $3.4M | $6.3M | $4.8M | $3.2M | $3.2M | $3.5M | 0 |
| Compensação em Ações | $1.5M | $1.1M | $869000 | $954000 | $1.3M | $798000 | $1.2M | $240000 | $543000 | 0 |
| Variação Capital de Giro | $1.9M | $1.4M | $2.6M | -$5.8M | -$3.3M | -$1.6M | $1.8M | -$4.4M | -$2.2M | -$1.6M |
| Fluxo de Caixa Operacional | $83.4M | $28.0M | $107.1M | $8.0M | $11.6M | $11.8M | $16.3M | $5.7M | $8.7M | $9.0M |
| CapEx | -$1.5M | -$2.9M | -$449000 | -$229000 | -$225000 | -$165000 | -$741000 | -$1.6M | -$530000 | -$432000 |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$8.7M | -$7.3M | -$1.4M | -$1.3M | -$2.3M | -$4.3M | -$4.6M | -$2.6M | -$4.4M | -$6.0M |
| Dividendos Pagos | -$4.1M | -$4.2M | -$4.2M | -$4.2M | -$4.2M | -$4.1M | -$4.0M | -$3.9M | -$3.8M | -$3.6M |
| Fluxo de Caixa Livre | $81.4M | $25.1M | $106.6M | $7.7M | $11.3M | $11.6M | $15.6M | $4.1M | $8.2M | $8.5M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $2.5M | $1.2M | $1.9M | $3.4M |
| CapEx | -$44000 | $44000 | -$145000 | -$44000 |
| Fluxo de Caixa Livre | $2.5M | $1.3M | $1.7M | $3.3M |
| Dividendos Pagos | -$921000 | -$906000 | -$891000 | -$874000 |
| Compensação em Ações | $123000 | $128000 | $119000 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Crescimento Receita (anual) | | -11.8% | -11.9% | -17.4% | -15.3% | -0.8% | +26.9% | +17.2% | +2.5% | -0.9% |
| Crescimento Lucro Líquido (anual) | | -59.1% | +107.3% | +74.1% | -1.7% | +20.3% | -5.5% | -14.4% | -14.9% | +6.4% |
| Crescimento LPA (anual) | | -57.6% | +110.7% | +74.6% | -1.9% | +21.8% | -2.4% | -11.7% | -12.3% | +11.8% |
| Variação de Ações (anual) | | -4.9% | -1.4% | -0.3% | -0.5% | -1.2% | -3.5% | -3.2% | -2.8% | -4.6% |
| Crescimento FCF (anual) | | -69.2% | +325.3% | -92.8% | +46.9% | +2.5% | +34.0% | -73.7% | +99.1% | +4.7% |
| Margem Bruta | 92.3% | 90.9% | 89.9% | 84.7% | 90.3% | 98.3% | 81.3% | 66.3% | 65.9% | 68.1% |
| Margem Operacional | 12.0% | 8.6% | 10.4% | 23.2% | 25.6% | 32.6% | 24.8% | 17.7% | 14.8% | 16.2% |
| Margem EBITDA | 15.6% | 13.4% | 15.8% | 30.4% | 41.4% | 44.9% | 31.2% | 23.1% | 20.5% | 16.2% |
| Margem Líquida | 7.1% | 3.3% | 7.8% | 16.4% | 19.0% | 23.1% | 17.2% | 12.5% | 10.4% | 11.2% |
| Margem FCF | 111.2% | 38.8% | 187.5% | 16.4% | 28.5% | 29.5% | 31.1% | 7.0% | 13.6% | 14.3% |
| Taxa Efetiva de Imposto | 40.9% | 61.4% | 25.4% | 29.5% | 25.8% | 29.3% | 30.8% | 29.2% | 29.5% | 30.9% |
Dados por Ação (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| FCF por Ação | $10.05 | $3.26 | $14.04 | $1.02 | $1.51 | $1.56 | $2.17 | $0.59 | $1.21 | $1.32 |
| Dividendo por Ação | $0.51 | $0.55 | $0.55 | $0.55 | $0.55 | $0.56 | $0.56 | $0.56 | $0.56 | $0.56 |
| Ações em Circulação (Básicas) | $7.9M | $7.5M | $7.5M | $7.5M | $7.5M | $7.4M | $7.1M | $6.9M | $6.7M | $6.4M |
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 | 5.23% |
| Retorno sobre capital investido | 0.55% |
| Retorno sobre ativos | 0.55% |
| Margem bruta | 68.12% |
| Margem operacional | 16.16% |
| Margem líquida | 11.16% |
Saúde financeira
| Dívida / Patrimônio | 1.24 |
| Liquidez corrente | 0.48 |
| Piotroski F-Score | 7 |
| Altman Z-Score | 0.33 |
Índices Chave (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| P/L | 29.17 | 68.14 | 36.42 | 13.02 | 17.10 | 12.06 | 10.62 | 11.59 | 16.67 | 16.54 |
| P/VP | 1.19 | 1.19 | 1.33 | 0.81 | 1.01 | 0.85 | 0.70 | 0.66 | 0.81 | 0.87 |
| P/V | 2.08 | 2.23 | 2.83 | 2.13 | 3.24 | 2.78 | 1.82 | 1.45 | 1.73 | 1.84 |
| Margem Bruta | 92.3% | 90.9% | 89.9% | 84.7% | 90.3% | 98.3% | 81.3% | 66.3% | 65.9% | 68.1% |
| Margem Operacional | 12.0% | 8.6% | 10.4% | 23.2% | 25.6% | 32.6% | 24.8% | 17.7% | 14.8% | 16.2% |
| Margem Líquida | 7.1% | 3.3% | 7.8% | 16.4% | 19.0% | 23.1% | 17.2% | 12.5% | 10.4% | 11.2% |