Finance House P.J.S.C Past Earnings Performance
Past criteria checks 2/6
Finance House P.J.S.C has been growing earnings at an average annual rate of 42.2%, while the Consumer Finance industry saw earnings growing at 11.1% annually. Revenues have been declining at an average rate of 11.5% per year. Finance House P.J.S.C's return on equity is 2.2%, and it has net margins of 14%.
Key information
42.2%
Earnings growth rate
41.0%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | -11.5% |
| Return on equity | 2.2% |
| Net Margin | 14.0% |
| Last Earnings Update | 31 Dec 2023 |
Revenue & Expenses BreakdownBeta
How Finance House P.J.S.C makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 109 | 15 | 134 | 0 |
| 30 Sep 23 | 168 | 17 | 165 | 0 |
| 30 Jun 23 | 169 | 10 | 165 | 0 |
| 31 Mar 23 | 171 | 5 | 159 | 0 |
| 31 Dec 22 | 117 | -17 | 128 | 0 |
| 30 Sep 22 | 133 | -18 | 132 | 0 |
| 30 Jun 22 | 149 | -10 | 136 | 0 |
| 31 Mar 22 | 163 | -7 | 155 | 0 |
| 31 Dec 21 | 191 | -4 | 154 | 0 |
| 30 Sep 21 | 183 | -5 | 147 | 0 |
| 30 Jun 21 | 198 | 2 | 152 | 0 |
| 31 Mar 21 | 206 | -1 | 156 | 0 |
| 31 Dec 20 | 205 | -7 | 165 | 0 |
| 30 Sep 20 | 220 | -12 | 168 | 0 |
| 30 Jun 20 | 210 | -20 | 178 | 0 |
| 31 Mar 20 | 217 | -22 | 187 | 0 |
| 31 Dec 19 | 230 | -9 | 188 | 0 |
| 30 Sep 19 | 221 | -13 | 185 | 0 |
| 30 Jun 19 | 226 | -11 | 184 | 0 |
| 31 Mar 19 | 227 | -18 | 190 | 0 |
| 31 Dec 18 | 235 | -12 | 193 | 0 |
| 30 Sep 18 | 226 | -10 | 201 | 0 |
| 30 Jun 18 | 225 | -7 | 215 | 0 |
| 31 Mar 18 | 211 | 2 | 205 | 0 |
| 31 Dec 17 | 204 | 9 | 211 | 0 |
| 30 Sep 17 | 213 | 14 | 150 | 0 |
| 30 Jun 17 | 213 | 16 | 135 | 0 |
| 31 Mar 17 | 228 | 16 | 140 | 0 |
| 31 Dec 16 | 221 | 16 | 132 | 0 |
| 30 Sep 16 | 205 | 9 | 190 | 0 |
| 30 Jun 16 | 200 | 7 | 192 | 0 |
| 31 Mar 16 | 222 | 47 | 185 | 0 |
| 31 Dec 15 | 236 | 55 | 179 | 0 |
| 30 Sep 15 | 231 | 62 | 185 | 0 |
| 30 Jun 15 | 244 | 87 | 178 | 0 |
| 31 Mar 15 | 220 | 69 | 169 | 0 |
| 31 Dec 14 | 228 | 74 | 167 | 0 |
| 30 Sep 14 | 254 | 84 | 169 | 0 |
| 30 Jun 14 | 250 | 81 | 159 | 0 |
| 31 Mar 14 | 246 | 85 | 150 | 0 |
| 31 Dec 13 | 223 | 77 | 138 | 0 |
| 30 Sep 13 | 242 | 73 | 135 | 0 |
| 30 Jun 13 | 274 | 65 | 132 | 0 |
Quality Earnings: FH has a high level of non-cash earnings.
Growing Profit Margin: FH became profitable in the past.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: FH has become profitable over the past 5 years, growing earnings by 42.2% per year.
Accelerating Growth: FH has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: FH has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (13%).
Return on Equity
High ROE: FH's Return on Equity (2.2%) is considered low.