Express Insurance Past Earnings Performance
Past criteria checks 1/6
Express Insurance has been growing earnings at an average annual rate of 0.2%, while the Insurance industry saw earnings growing at 8.7% annually. Revenues have been growing at an average rate of 16.3% per year. Express Insurance's return on equity is 3%, and it has net margins of 19.7%.
Key information
0.2%
Earnings growth rate
-11.4%
EPS growth rate
| Insurance Industry Growth | 11.0% |
| Revenue growth rate | 16.3% |
| Return on equity | 3.0% |
| Net Margin | 19.7% |
| Last Earnings Update | 30 Sep 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Express Insurance 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 | 183 | 36 | 21 | 0 |
| 30 Jun 23 | 193 | 41 | 22 | 0 |
| 31 Mar 23 | 176 | 30 | 21 | 0 |
| 31 Dec 22 | 192 | 46 | 19 | 0 |
| 30 Sep 22 | 187 | 62 | 17 | 0 |
| 30 Jun 22 | 194 | 62 | 18 | 0 |
| 31 Mar 22 | 200 | 65 | 18 | 0 |
| 31 Dec 21 | 188 | 54 | 17 | 0 |
| 30 Sep 21 | 167 | 47 | 16 | 0 |
| 30 Jun 21 | 165 | 50 | 17 | 0 |
| 31 Mar 21 | 150 | 32 | 18 | 0 |
| 31 Dec 20 | 135 | 22 | 17 | 0 |
| 30 Sep 20 | 127 | 50 | 21 | 0 |
| 31 Mar 20 | 105 | 48 | 18 | 0 |
| 31 Dec 19 | 97 | 51 | 15 | 0 |
| 30 Sep 19 | 98 | 46 | 13 | 0 |
| 31 Dec 18 | 94 | 44 | 13 | 0 |
| 31 Dec 17 | 82 | 47 | 11 | 0 |
Quality Earnings: EIL has a large one-off loss of BDT38.1M impacting its last 12 months of financial results to 30th September, 2023.
Growing Profit Margin: EIL's current net profit margins (19.7%) are lower than last year (33.3%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: EIL's earnings have grown by 0.2% per year over the past 5 years.
Accelerating Growth: EIL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: EIL had negative earnings growth (-42.4%) over the past year, making it difficult to compare to the Insurance industry average (-3.3%).
Return on Equity
High ROE: EIL's Return on Equity (3%) is considered low.