Demonstrações financeiras detalhadas de Renasant Corporation (RNST): 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
Renasant Corporation registou receitas de $1.44B no último exercício, com um CAGR de 5 anos de 14.6%. O lucro líquido atingiu $181.3M, com CAGR de 5 anos de 16.7%.
Margens dos últimos 12 meses: margem bruta 58.8%, margem operacional 13.8%, margem líquida 25.2%. O fluxo de caixa livre cresceu a CAGR de 34.5% em 5 anos.
Ao preço atual de $40.77, RNST negocia a um P/L de 12.06 e um ROE de 8.13%. A capitalização de mercado é de $3.7B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $466.6M | $506.9M | $605.8M | $695.8M | $731.6M | $695.7M | $691.1M | $909.8M | $1.04B | $1.44B |
| Custo da Receita | $35.7M | $45.4M | $72.1M | $106.0M | $158.2M | $42.5M | $84.4M | $293.6M | $384.9M | $565.7M |
| Lucro Bruto | $430.9M | $461.5M | $533.7M | $589.9M | $573.4M | $653.2M | $606.7M | $616.2M | $653.2M | $878.4M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $205.6M | $216.8M | $250.7M | $290.9M | $312.7M | $292.8M | $276.0M | $296.5M | $300.0M | $386.9M |
| Despesas Operacionais | $295.1M | $301.6M | $345.0M | $374.2M | $469.9M | $430.3M | $395.4M | $439.0M | $408.2M | $651.7M |
| Lucro Operacional | $135.8M | $159.9M | $188.6M | $215.7M | $103.5M | $222.8M | $211.3M | $177.2M | $245.0M | $226.7M |
| EBITDA | $138.9M | $164.7M | $192.1M | $223.9M | $138.1M | $270.2M | $254.1M | $212.4M | $277.2M | $242.9M |
| Despesas com Juros | $28.1M | $37.9M | $65.3M | $98.9M | $71.3M | $44.7M | $60.5M | $278.0M | $375.6M | $458.3M |
| Lucro Antes de Impostos | $135.8M | $159.9M | $188.6M | $215.7M | $103.5M | $222.8M | $211.3M | $177.2M | $245.0M | $226.7M |
| Imposto | $44.8M | $67.7M | $41.7M | $48.1M | $19.8M | $46.9M | $45.2M | $32.5M | $49.5M | $45.5M |
| Lucro Líquido | $90.9M | $92.2M | $146.9M | $167.6M | $83.7M | $175.9M | $166.1M | $144.7M | $195.5M | $181.3M |
| LPA | $2.18 | $1.97 | $2.80 | $2.89 | $1.49 | $3.13 | $2.97 | $2.58 | $3.29 | $2.09 |
| LPA Diluído | $2.17 | $1.96 | $2.79 | $2.88 | $1.48 | $3.12 | $2.95 | $2.58 | $3.27 | $2.07 |
| Ações em Circulação (Diluídas) | $42.0M | $47.0M | $52.6M | $58.2M | $56.5M | $56.4M | $56.2M | $56.1M | $59.7M | $95.2M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $362.1M | $376.4M | $387.0M | $122.0M |
| Lucro Bruto | $224.1M | $246.0M | $264.4M | -$643000 |
| Lucro Operacional | $75.3M | $96.8M | $110.4M | -$110.4M |
| EBITDA | $76.6M | $99.9M | $110.7M | -$110.7M |
| Lucro Líquido | $59.8M | $78.9M | $88.2M | $87.1M |
| LPA | $0.63 | $0.84 | $0.94 | $0.95 |
| LPA Diluído | $0.63 | $0.83 | $0.94 | $0.94 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $306.2M | $281.5M | $569.1M | $414.9M | $633.2M | $1.88B | $576.0M | $801.4M | $1.09B | $1.07B |
| Investimentos de Curto Prazo | $674.2M | $671.5M | $1.25B | $1.29B | $1.34B | $2.39B | $1.53B | $923.3M | $831.0M | 0 |
| Contas a Receber | $49.2M | $57.4M | $65.0M | $84.8M | $74.2M | $74.6M | $112.5M | $113.5M | $87.2M | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $1.03B | $1.01B | $1.88B | $1.79B | $2.06B | $4.34B | $2.22B | $1.84B | $2.01B | $1.07B |
| Imobilizado | $179.2M | $183.3M | $209.2M | $309.7M | $300.5M | $293.1M | $283.6M | $283.2M | $279.8M | $465.1M |
| Ágio | $470.5M | $611.0M | $932.9M | $939.7M | $939.7M | $939.7M | $991.7M | $991.7M | $988.9M | $1.41B |
| Ativos Intangíveis | $50.4M | $63.8M | $93.1M | $90.5M | $93.1M | $113.1M | $108.6M | $110.5M | $87.1M | $146.6M |
| Ativos Totais | $8.70B | $9.83B | $12.93B | $13.40B | $14.93B | $16.81B | $16.99B | $17.36B | $18.03B | $26.75B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $109.7M | $89.8M | $387.7M | $489.1M | $21.3M | $13.9M | $712.2M | $307.6M | $108.0M | $555.8M |
| Passivos Circulantes | $7.17B | $8.01B | $10.52B | $10.70B | $12.08B | $13.92B | $14.20B | $14.38B | $14.68B | $555.8M |
| Dívida de Longo Prazo | $202.5M | $207.5M | $263.6M | $376.5M | $475.0M | $471.2M | $428.1M | $429.4M | $430.6M | $499.8M |
| Passivos Totais | $7.47B | $8.31B | $10.89B | $11.27B | $12.80B | $14.60B | $14.85B | $15.06B | $15.36B | $22.87B |
| Reservas | $337.5M | $397.4M | $500.7M | $617.4M | $615.8M | $741.6M | $857.7M | $952.1M | $1.09B | $1.20B |
| Patrimônio Líquido | $1.23B | $1.51B | $2.04B | $2.13B | $2.13B | $2.21B | $2.14B | $2.30B | $2.68B | $3.88B |
| Dívida Total | $312.1M | $297.4M | $651.3M | $865.6M | $496.3M | $485.2M | $1.14B | $737.0M | $538.6M | $1.06B |
| Dívida Líquida | -$668.3M | -$655.6M | -$1.17B | -$839.9M | -$1.48B | -$3.78B | -$969.6M | -$987.7M | -$1.38B | -$15.2M |
| Capital de Giro | -$6.14B | -$7.00B | -$8.63B | -$8.91B | -$10.03B | -$9.58B | -$11.98B | -$12.55B | -$12.67B | $514.9M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $1.08B | $1.07B | $1.22B | $881.2M |
| Ativos Totais | $26.73B | $26.75B | $27.11B | $27.00B |
| Passivos Totais | $22.90B | $22.87B | $23.24B | $23.13B |
| Patrimônio Líquido | $3.83B | $3.88B | $3.87B | $3.87B |
| Dívida Total | $1.16B | $1.06B | $806.2M | $1.11B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $90.9M | $92.2M | $146.9M | $167.6M | $83.7M | $175.9M | $166.1M | $144.7M | $195.5M | $181.3M |
| Depreciação e Amortização | $3.1M | $4.8M | $3.5M | $8.2M | $34.6M | $47.4M | $42.7M | $35.2M | $32.3M | $16.2M |
| Compensação em Ações | $3.1M | $5.3M | $7.3M | $10.2M | $10.6M | $10.1M | $11.5M | $13.7M | $13.9M | $17.7M |
| Variação Capital de Giro | -$3.7M | -$13.7M | -$53.8M | -$11.6M | -$32.1M | -$63.7M | -$36.0M | -$28.0M | -$22.9M | -$18.1M |
| Fluxo de Caixa Operacional | $163.8M | $207.0M | $82.1M | $163.6M | $82.2M | $142.7M | $574.0M | $148.6M | $129.4M | $271.5M |
| CapEx | -$13.6M | -$13.0M | -$22.4M | -$35.0M | -$28.3M | -$20.5M | -$14.8M | -$21.6M | -$13.6M | -$33.7M |
| Aquisições | $25.3M | $41.7M | $153.5M | -$250000 | 0 | 0 | -$120.9M | 0 | $55.3M | $267.9M |
| Recompra de Ações | 0 | 0 | -$7.1M | -$62.9M | -$24.6M | -$21.3M | 0 | 0 | 0 | -$13.3M |
| Dividendos Pagos | -$29.7M | -$34.4M | -$43.6M | -$50.9M | -$50.1M | -$50.0M | -$50.0M | -$50.3M | -$53.7M | -$78.6M |
| Fluxo de Caixa Livre | $150.2M | $194.0M | $59.8M | $128.7M | $54.0M | $122.1M | $559.2M | $126.9M | $115.8M | $237.8M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $135.5M | $107.1M | $100.1M | $82.4M |
| CapEx | -$15.3M | -$19.8M | -$6.3M | -$6.0M |
| Fluxo de Caixa Livre | $120.1M | $87.3M | $93.7M | $76.4M |
| Dividendos Pagos | -$21.2M | -$22.0M | -$21.6M | -$22.2M |
| Compensação em Ações | $5.4M | $4.2M | $5.5M | $4.4M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +8.6% | +19.5% | +14.9% | +5.1% | -4.9% | -0.7% | +31.6% | +14.1% | +39.1% |
| Crescimento Lucro Líquido (anual) | | +1.4% | +59.4% | +14.1% | -50.1% | +110.3% | -5.6% | -12.9% | +35.1% | -7.3% |
| Crescimento LPA (anual) | | -9.6% | +42.1% | +3.2% | -48.4% | +110.1% | -5.1% | -13.1% | +27.5% | -36.5% |
| Variação de Ações (anual) | | +12.0% | +12.0% | +10.6% | -3.0% | -0.1% | -0.4% | -0.1% | +6.4% | +59.3% |
| Crescimento FCF (anual) | | +29.1% | -69.2% | +115.3% | -58.0% | +126.3% | +357.8% | -77.3% | -8.8% | +105.3% |
| Margem Bruta | 92.4% | 91.0% | 88.1% | 84.8% | 78.4% | 93.9% | 87.8% | 67.7% | 62.9% | 60.8% |
| Margem Operacional | 29.1% | 31.5% | 31.1% | 31.0% | 14.1% | 32.0% | 30.6% | 19.5% | 23.6% | 15.7% |
| Margem EBITDA | 29.8% | 32.5% | 31.7% | 32.2% | 18.9% | 38.8% | 36.8% | 23.3% | 26.7% | 16.8% |
| Margem Líquida | 19.5% | 18.2% | 24.3% | 24.1% | 11.4% | 25.3% | 24.0% | 15.9% | 18.8% | 12.6% |
| Margem FCF | 32.2% | 38.3% | 9.9% | 18.5% | 7.4% | 17.6% | 80.9% | 14.0% | 11.2% | 16.5% |
| Taxa Efetiva de Imposto | 33.0% | 42.3% | 22.1% | 22.3% | 19.2% | 21.1% | 21.4% | 18.3% | 20.2% | 20.1% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $3.58 | $4.13 | $1.14 | $2.21 | $0.96 | $2.16 | $9.95 | $2.26 | $1.94 | $2.50 |
| Dividendo por Ação | $0.71 | $0.73 | $0.83 | $0.87 | $0.89 | $0.89 | $0.89 | $0.90 | $0.90 | $0.83 |
| Ações em Circulação (Básicas) | $41.7M | $46.9M | $52.5M | $58.0M | $56.3M | $56.1M | $55.9M | $56.1M | $59.4M | $94.5M |
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 | 8.13% |
| Retorno sobre capital investido | 2.41% |
| Retorno sobre ativos | 1.16% |
| Margem bruta | 58.82% |
| Margem operacional | 13.79% |
| Margem líquida | 25.17% |
Saúde financeira
| Dívida / Patrimônio | 0.29 |
| Liquidez corrente | 11.81 |
| Piotroski F-Score | 4 |
| Altman Z-Score | 0.26 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 19.37 | 20.76 | 10.78 | 12.26 | 22.60 | 12.12 | 12.66 | 13.05 | 10.87 | 16.85 |
| P/VP | 1.43 | 1.27 | 0.78 | 0.97 | 0.89 | 0.96 | 0.98 | 0.82 | 0.79 | 0.86 |
| P/V | 3.78 | 3.78 | 2.62 | 2.95 | 2.59 | 3.06 | 3.04 | 2.08 | 2.04 | 2.30 |
| Margem Bruta | 92.4% | 91.0% | 88.1% | 84.8% | 78.4% | 93.9% | 87.8% | 67.7% | 62.9% | 60.8% |
| Margem Operacional | 29.1% | 31.5% | 31.1% | 31.0% | 14.1% | 32.0% | 30.6% | 19.5% | 23.6% | 15.7% |
| Margem Líquida | 19.5% | 18.2% | 24.3% | 24.1% | 11.4% | 25.3% | 24.0% | 15.9% | 18.8% | 12.6% |