Al-Arafah Islami Bank Past Earnings Performance
Past criteria checks 1/6
Al-Arafah Islami Bank's earnings have been declining at an average annual rate of -5.4%, while the Banks industry saw earnings growing at 8.9% annually. Revenues have been growing at an average rate of 7.4% per year. Al-Arafah Islami Bank's return on equity is 6.7%, and it has net margins of 11.6%.
Key information
-5.4%
Earnings growth rate
-5.4%
EPS growth rate
| Banks Industry Growth | 8.5% |
| Revenue growth rate | 7.4% |
| Return on equity | 6.7% |
| Net Margin | 11.6% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Al-Arafah Islami Bank 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 |
|---|---|---|---|---|
| 30 Sep 24 | 14,912 | 1,724 | 9,617 | 0 |
| 30 Jun 24 | 17,029 | 2,638 | 9,054 | 0 |
| 31 Mar 24 | 16,331 | 2,398 | 9,176 | 0 |
| 31 Dec 23 | 15,145 | 2,351 | 8,606 | 0 |
| 30 Sep 23 | 14,022 | 2,081 | 8,060 | 0 |
| 30 Jun 23 | 13,089 | 1,672 | 7,857 | 0 |
| 31 Mar 23 | 13,432 | 1,758 | 7,778 | 0 |
| 31 Dec 22 | 13,429 | 2,077 | 7,311 | 0 |
| 30 Sep 22 | 12,981 | 1,731 | 7,369 | 0 |
| 30 Jun 22 | 13,164 | 2,098 | 7,233 | 0 |
| 31 Mar 22 | 12,601 | 2,339 | 6,664 | 0 |
| 31 Dec 21 | 11,968 | 2,088 | 6,447 | 0 |
| 30 Sep 21 | 11,691 | 2,770 | 6,002 | 0 |
| 30 Jun 21 | 11,460 | 2,902 | 5,840 | 0 |
| 31 Mar 21 | 10,919 | 2,301 | 6,057 | 0 |
| 31 Dec 20 | 11,542 | 2,565 | 6,180 | 0 |
| 30 Sep 20 | 12,964 | 3,607 | 6,325 | 0 |
| 30 Jun 20 | 12,115 | 2,783 | 6,255 | 0 |
| 31 Mar 20 | 11,684 | 2,496 | 5,913 | 0 |
| 31 Dec 19 | 11,377 | 2,424 | 5,787 | 0 |
| 30 Sep 19 | 10,721 | 1,934 | 5,826 | 0 |
| 30 Jun 19 | 11,226 | 2,545 | 5,849 | 0 |
| 31 Mar 19 | 10,448 | 2,507 | 5,640 | 0 |
| 31 Dec 18 | 10,295 | 2,450 | 5,569 | 0 |
| 30 Sep 18 | 9,306 | 2,116 | 5,198 | 0 |
| 30 Jun 18 | 9,832 | 2,389 | 5,255 | 0 |
| 31 Mar 18 | 10,740 | 2,839 | 4,977 | 0 |
| 31 Dec 17 | 10,909 | 3,135 | 4,726 | 0 |
| 30 Sep 17 | 11,307 | 3,136 | 4,603 | 0 |
| 30 Jun 17 | 10,959 | 3,114 | 4,229 | 0 |
| 31 Mar 17 | 10,182 | 2,793 | 4,097 | 0 |
| 31 Dec 16 | 10,116 | 3,053 | 3,717 | 0 |
| 30 Sep 16 | 9,486 | 2,853 | 3,607 | 0 |
| 30 Jun 16 | 8,848 | 2,659 | 3,452 | 0 |
| 31 Mar 16 | 9,101 | 3,013 | 3,239 | 0 |
| 31 Dec 15 | 8,214 | 2,235 | 3,249 | 0 |
| 30 Sep 15 | 8,089 | 2,217 | 3,189 | 0 |
| 30 Jun 15 | 7,462 | 1,609 | 2,980 | 0 |
| 31 Mar 15 | 7,668 | 1,781 | 3,047 | 0 |
| 31 Dec 14 | 7,751 | 2,082 | 2,865 | 0 |
| 30 Sep 14 | 7,347 | 1,633 | 2,732 | 0 |
| 30 Jun 14 | 8,072 | 2,541 | 2,465 | 0 |
| 31 Mar 14 | 7,295 | 2,194 | 2,329 | 0 |
| 31 Dec 13 | 7,029 | 2,050 | 2,342 | 0 |
Quality Earnings: ALARABANK has high quality earnings.
Growing Profit Margin: ALARABANK's current net profit margins (11.6%) are lower than last year (14.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: ALARABANK's earnings have declined by 5.4% per year over the past 5 years.
Accelerating Growth: ALARABANK's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: ALARABANK had negative earnings growth (-17.2%) over the past year, making it difficult to compare to the Banks industry average (11%).
Return on Equity
High ROE: ALARABANK's Return on Equity (6.7%) is considered low.