Banco Pan Past Earnings Performance
Past criteria checks 1/6
Banco Pan has been growing earnings at an average annual rate of 8.5%, while the Banks industry saw earnings growing at 8.2% annually. Revenues have been growing at an average rate of 14% per year. Banco Pan's return on equity is 7.6%, and it has net margins of 7.1%.
Key information
8.5%
Earnings growth rate
8.0%
EPS growth rate
| Banks Industry Growth | 8.7% |
| Revenue growth rate | 14.0% |
| Return on equity | 7.6% |
| Net Margin | 7.1% |
| Last Earnings Update | 31 Mar 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How Banco Pan 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 Mar 24 | 8,672 | 614 | 4,121 | 0 |
| 31 Dec 23 | 8,459 | 590 | 4,096 | 0 |
| 30 Sep 23 | 8,596 | 660 | 4,792 | 0 |
| 30 Jun 23 | 8,454 | 644 | 4,398 | 0 |
| 31 Mar 23 | 8,393 | 635 | 4,872 | 0 |
| 31 Dec 22 | 7,495 | 667 | 3,925 | 0 |
| 30 Sep 22 | 7,600 | 686 | 3,886 | 0 |
| 30 Jun 22 | 7,605 | 735 | 4,569 | 0 |
| 31 Mar 22 | 7,699 | 904 | 4,561 | 0 |
| 31 Dec 21 | 7,336 | 775 | 4,597 | 0 |
| 30 Sep 21 | 7,379 | 749 | 4,151 | 0 |
| 30 Jun 21 | 6,857 | 731 | 3,911 | 0 |
| 31 Mar 21 | 6,547 | 584 | 3,641 | 0 |
| 31 Dec 20 | 6,437 | 656 | 3,477 | 0 |
| 30 Sep 20 | 5,668 | 652 | 3,086 | 0 |
| 30 Jun 20 | 5,436 | 617 | 2,954 | 0 |
| 31 Mar 20 | 4,936 | 590 | 2,858 | 0 |
| 31 Dec 19 | 4,821 | 516 | 2,660 | 0 |
| 30 Sep 19 | 4,619 | 422 | 2,416 | 0 |
| 30 Jun 19 | 4,471 | 337 | 2,286 | 0 |
| 31 Mar 19 | 4,303 | 261 | 2,167 | 0 |
| 31 Dec 18 | 4,317 | 222 | 2,179 | 0 |
| 30 Sep 18 | 4,549 | 203 | 2,166 | 0 |
| 30 Jun 18 | 4,453 | 265 | 2,193 | 0 |
| 31 Mar 18 | 4,734 | 265 | 2,326 | 0 |
| 31 Dec 17 | 4,839 | 213 | 2,545 | 0 |
| 30 Sep 17 | 4,649 | 158 | 2,719 | 0 |
| 30 Jun 17 | 4,622 | 34 | 2,890 | 0 |
| 31 Mar 17 | 4,071 | -137 | 2,808 | 0 |
| 31 Dec 16 | 3,489 | -237 | 2,576 | 0 |
| 30 Sep 16 | 3,276 | -204 | 2,416 | 0 |
| 30 Jun 16 | 3,051 | -146 | 2,316 | 0 |
| 31 Mar 16 | 3,241 | -15 | 2,287 | 0 |
| 31 Dec 15 | 3,360 | 8 | 2,272 | 0 |
| 30 Sep 15 | 3,771 | 201 | 2,263 | 0 |
| 30 Jun 15 | 3,444 | 87 | 2,028 | 0 |
| 31 Mar 15 | 3,021 | 13 | 1,910 | 0 |
| 31 Dec 14 | 2,819 | 8 | 1,751 | 0 |
| 30 Sep 14 | 2,141 | -402 | 1,644 | 0 |
| 30 Jun 14 | 2,296 | -352 | 1,678 | 0 |
| 31 Mar 14 | 2,369 | -269 | 1,674 | 0 |
| 31 Dec 13 | 2,466 | -152 | 1,682 | 0 |
| 30 Sep 13 | 2,348 | -7 | 1,665 | 0 |
| 30 Jun 13 | 1,913 | -185 | 1,584 | 0 |
Quality Earnings: BPAN4 has a large one-off loss of R$284.7M impacting its last 12 months of financial results to 31st March, 2024.
Growing Profit Margin: BPAN4's current net profit margins (7.1%) are lower than last year (7.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: BPAN4's earnings have grown by 8.5% per year over the past 5 years.
Accelerating Growth: BPAN4's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BPAN4 had negative earnings growth (-3.2%) over the past year, making it difficult to compare to the Banks industry average (6.1%).
Return on Equity
High ROE: BPAN4's Return on Equity (7.6%) is considered low.