United Finance Past Earnings Performance
Past criteria checks 1/6
United Finance's earnings have been declining at an average annual rate of -15.4%, while the Consumer Finance industry saw earnings growing at 11.6% annually. Revenues have been declining at an average rate of 4.2% per year. United Finance's return on equity is 3.7%, and it has net margins of 15.6%.
Key information
-15.4%
Earnings growth rate
-15.5%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | -4.2% |
| Return on equity | 3.7% |
| Net Margin | 15.6% |
| Last Earnings Update | 30 Sep 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How United Finance 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 23 | 742 | 116 | 591 | 0 |
| 30 Jun 23 | 751 | 122 | 595 | 0 |
| 31 Mar 23 | 770 | 130 | 603 | 0 |
| 31 Dec 22 | 799 | 143 | 599 | 0 |
| 30 Sep 22 | 853 | 136 | 605 | 0 |
| 30 Jun 22 | 845 | 160 | 578 | 0 |
| 31 Mar 22 | 863 | 218 | 541 | 0 |
| 31 Dec 21 | 790 | 222 | 512 | 0 |
| 30 Sep 21 | 751 | 251 | 480 | 0 |
| 30 Jun 21 | 753 | 254 | 477 | 0 |
| 31 Mar 21 | 687 | 203 | 468 | 0 |
| 31 Dec 20 | 746 | 211 | 468 | 0 |
| 30 Sep 20 | 724 | 165 | 472 | 0 |
| 30 Jun 20 | 751 | 162 | 480 | 0 |
| 31 Mar 20 | 828 | 203 | 482 | 0 |
| 31 Dec 19 | 890 | 245 | 469 | 0 |
| 30 Sep 19 | 971 | 240 | 478 | 0 |
| 30 Jun 19 | 1,004 | 305 | 459 | 0 |
| 31 Mar 19 | 967 | 291 | 438 | 0 |
| 31 Dec 18 | 922 | 277 | 449 | 0 |
| 30 Sep 18 | 888 | 287 | 427 | 0 |
| 30 Jun 18 | 817 | 239 | 416 | 0 |
| 31 Mar 18 | 806 | 250 | 403 | 0 |
| 31 Dec 17 | 798 | 256 | 403 | 0 |
| 30 Sep 17 | 793 | 281 | 405 | 0 |
| 30 Jun 17 | 795 | 281 | 397 | 0 |
| 31 Mar 17 | 813 | 308 | 393 | 0 |
| 31 Dec 16 | 818 | 313 | 370 | 0 |
| 30 Sep 16 | 857 | 345 | 359 | 0 |
| 30 Jun 16 | 860 | 359 | 351 | 0 |
| 31 Mar 16 | 845 | 348 | 329 | 0 |
| 31 Dec 15 | 826 | 343 | 315 | 0 |
| 30 Sep 15 | 744 | 289 | 304 | 0 |
| 30 Jun 15 | 810 | 326 | 290 | 0 |
| 31 Mar 15 | 815 | 327 | 281 | 0 |
| 31 Dec 14 | 808 | 324 | 273 | 0 |
| 30 Sep 14 | 779 | 318 | 253 | 0 |
| 30 Jun 14 | 696 | 282 | 237 | 0 |
| 31 Mar 14 | 678 | 271 | 227 | 0 |
| 31 Dec 13 | 671 | 266 | 227 | 0 |
| 30 Sep 13 | 673 | 280 | 224 | 0 |
| 30 Jun 13 | 645 | 262 | 228 | 0 |
Quality Earnings: UNITEDFIN has high quality earnings.
Growing Profit Margin: UNITEDFIN's current net profit margins (15.6%) are lower than last year (15.9%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: UNITEDFIN's earnings have declined by 15.4% per year over the past 5 years.
Accelerating Growth: UNITEDFIN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UNITEDFIN had negative earnings growth (-14.8%) over the past year, making it difficult to compare to the Consumer Finance industry average (14%).
Return on Equity
High ROE: UNITEDFIN's Return on Equity (3.7%) is considered low.