Financeira Alfa - Crédito Financiamento e Investimentos Past Earnings Performance
Past criteria checks 1/6
Financeira Alfa - Crédito Financiamento e Investimentos's earnings have been declining at an average annual rate of -14.8%, while the Consumer Finance industry saw earnings growing at 5.2% annually. Revenues have been growing at an average rate of 23.7% per year. Financeira Alfa - Crédito Financiamento e Investimentos's return on equity is 2.1%, and it has net margins of 0.9%.
Key information
-14.8%
Earnings growth rate
-14.7%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | 23.7% |
| Return on equity | 2.1% |
| Net Margin | 0.9% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Recent updates
What Kind Of Investors Own Most Of Financeira Alfa S.A. - Crédito, Financiamento e Investimentos (BVMF:CRIV3)?
Feb 08
Announcing: Financeira Alfa - Crédito Financiamento e Investimentos (BVMF:CRIV3) Stock Increased An Energizing 111% In The Last Five Years
Jan 13Financeira Alfa S.A. - Crédito, Financiamento e Investimentos (BVMF:CRIV3) Is An Attractive Dividend Stock - Here's Why
Dec 07
Revenue & Expenses BreakdownBeta
How Financeira Alfa - Crédito Financiamento e Investimentos 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 Dec 23 | 2,093 | 19 | 277 | 0 |
| 30 Sep 23 | 2,008 | 31 | 279 | 0 |
| 30 Jun 23 | 1,875 | 20 | 275 | 0 |
| 31 Mar 23 | 1,714 | 25 | 278 | 0 |
| 31 Dec 22 | 1,531 | 39 | 270 | 0 |
| 30 Sep 22 | 1,352 | 53 | 264 | 0 |
| 30 Jun 22 | 1,156 | 75 | 255 | 0 |
| 31 Mar 22 | 1,000 | 81 | 236 | 0 |
| 31 Dec 21 | 829 | 77 | 241 | 0 |
| 30 Sep 21 | 726 | 70 | 223 | 0 |
| 30 Jun 21 | 662 | 54 | 221 | 0 |
| 31 Mar 21 | 599 | 51 | 220 | 0 |
| 31 Dec 20 | 600 | 54 | 213 | 0 |
| 30 Sep 20 | 816 | 58 | 223 | 0 |
| 30 Jun 20 | 839 | 70 | 217 | 0 |
| 31 Mar 20 | 860 | 74 | 219 | 0 |
| 31 Dec 19 | 878 | 72 | 211 | 0 |
| 30 Sep 19 | 773 | 72 | 206 | 0 |
| 30 Jun 19 | 766 | 65 | 203 | 0 |
| 31 Mar 19 | 747 | 64 | 198 | 0 |
| 31 Dec 18 | 743 | 68 | 193 | 0 |
| 30 Sep 18 | 718 | 65 | 186 | 0 |
| 30 Jun 18 | 741 | 74 | 181 | 0 |
| 31 Mar 18 | 741 | 70 | 176 | 0 |
| 31 Dec 17 | 769 | 65 | 171 | 0 |
| 30 Sep 17 | 876 | 57 | 164 | 0 |
| 30 Jun 17 | 918 | 44 | 158 | 0 |
| 31 Mar 17 | 995 | 42 | 155 | 0 |
| 31 Dec 16 | 1,042 | 40 | 155 | 0 |
| 30 Sep 16 | 764 | 40 | 155 | 0 |
| 30 Jun 16 | 784 | 40 | 156 | 0 |
| 31 Mar 16 | 783 | 40 | 155 | 0 |
| 31 Dec 15 | 766 | 39 | 155 | 0 |
| 30 Sep 15 | 869 | 40 | 154 | 0 |
| 30 Jun 15 | 839 | 39 | 154 | 0 |
| 31 Mar 15 | 819 | 37 | 156 | 0 |
| 31 Dec 14 | 816 | 37 | 160 | 0 |
| 30 Sep 14 | 812 | 39 | 160 | 0 |
| 30 Jun 14 | 766 | 41 | 161 | 0 |
| 31 Mar 14 | 703 | 45 | 165 | 0 |
| 31 Dec 13 | 566 | 53 | 166 | 0 |
| 30 Sep 13 | 541 | 61 | 164 | 0 |
| 30 Jun 13 | 584 | 77 | 166 | 0 |
Quality Earnings: CRIV3 has high quality earnings.
Growing Profit Margin: CRIV3's current net profit margins (0.9%) are lower than last year (2.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CRIV3's earnings have declined by 14.8% per year over the past 5 years.
Accelerating Growth: CRIV3's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CRIV3 had negative earnings growth (-51.9%) over the past year, making it difficult to compare to the Consumer Finance industry average (3.8%).
Return on Equity
High ROE: CRIV3's Return on Equity (2.1%) is considered low.