BF&M Past Earnings Performance
Past criteria checks 3/6
BF&M's earnings have been declining at an average annual rate of -15.6%, while the Insurance industry saw earnings growing at 8.1% annually. Revenues have been declining at an average rate of 6.5% per year. BF&M's return on equity is 5.7%, and it has net margins of 10.2%.
Key information
-15.6%
Earnings growth rate
-15.8%
EPS growth rate
| Insurance Industry Growth | 7.6% |
| Revenue growth rate | -6.5% |
| Return on equity | 5.7% |
| Net Margin | 10.2% |
| Last Earnings Update | 30 Jun 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How BF&M 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 Jun 23 | 167 | 17 | 58 | 0 |
| 31 Mar 23 | 221 | 5 | 44 | 0 |
| 31 Dec 22 | 138 | -9 | 58 | 0 |
| 30 Sep 22 | 127 | -8 | 56 | 0 |
| 30 Jun 22 | 281 | -2 | 26 | 0 |
| 31 Mar 22 | 190 | 11 | 55 | 0 |
| 31 Dec 21 | 211 | 25 | 55 | 0 |
| 30 Sep 21 | 218 | 23 | 53 | 0 |
| 30 Jun 21 | 221 | 28 | 56 | 0 |
| 31 Mar 21 | 233 | 32 | 56 | 0 |
| 31 Dec 20 | 234 | 23 | 54 | 0 |
| 30 Sep 20 | 210 | 23 | 44 | 0 |
| 30 Jun 20 | 210 | 17 | 42 | 0 |
| 31 Mar 20 | 225 | 10 | 49 | 0 |
| 31 Dec 19 | 254 | 18 | 49 | 0 |
| 30 Jun 19 | 285 | 25 | 62 | 0 |
| 31 Mar 19 | 263 | 22 | 61 | 0 |
| 31 Dec 18 | 197 | 23 | 44 | 0 |
| 30 Jun 18 | 227 | -3 | 64 | 0 |
| 31 Mar 18 | 237 | 1 | 65 | 0 |
| 31 Dec 17 | 253 | 4 | 66 | 0 |
| 30 Sep 17 | 241 | 0 | 66 | 0 |
| 30 Jun 17 | 253 | 15 | 64 | 0 |
| 31 Mar 17 | 265 | 13 | 65 | 0 |
| 31 Dec 16 | 272 | 14 | 64 | 0 |
| 30 Sep 16 | 297 | 25 | 64 | 0 |
| 30 Jun 16 | 293 | 26 | 64 | 0 |
| 31 Mar 16 | 266 | 23 | 63 | 0 |
| 31 Dec 15 | 262 | 24 | 63 | 0 |
| 30 Sep 15 | 262 | 20 | 64 | 0 |
| 30 Jun 15 | 262 | 16 | 65 | 0 |
| 31 Mar 15 | 280 | 19 | 64 | 0 |
| 31 Dec 14 | 284 | 22 | 64 | 0 |
| 30 Sep 14 | 281 | 27 | 63 | 0 |
| 30 Jun 14 | 277 | 32 | 62 | 0 |
| 31 Mar 14 | 261 | 32 | 64 | 0 |
| 31 Dec 13 | 242 | 25 | 62 | 0 |
| 30 Sep 13 | 241 | 23 | 60 | 0 |
| 30 Jun 13 | 240 | 20 | 58 | 0 |
Quality Earnings: BFM.BH has high quality earnings.
Growing Profit Margin: BFM.BH became profitable in the past.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: BFM.BH has become profitable over the past 5 years, growing earnings by -15.6% per year.
Accelerating Growth: BFM.BH has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: BFM.BH has become profitable in the last year, making it difficult to compare its past year earnings growth to the Insurance industry (22.2%).
Return on Equity
High ROE: BFM.BH's Return on Equity (5.7%) is considered low.