Everyday People Financial Past Earnings Performance
Past criteria checks 2/6
Everyday People Financial has been growing earnings at an average annual rate of 4.6%, while the Consumer Finance industry saw earnings growing at 6.7% annually. Revenues have been growing at an average rate of 52.5% per year. Everyday People Financial's return on equity is 14.5%, and it has net margins of 3.5%.
Key information
4.6%
Earnings growth rate
8.4%
EPS growth rate
| Consumer Finance Industry Growth | 33.1% |
| Revenue growth rate | 52.5% |
| Return on equity | 14.5% |
| Net Margin | 3.5% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Revenue & Expenses Breakdown
How Everyday People Financial 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 24 | 58 | 2 | 34 | 0 |
| 30 Jun 24 | 50 | 1 | 31 | 0 |
| 31 Mar 24 | 45 | 0 | 28 | 0 |
| 31 Dec 23 | 38 | -2 | 25 | 0 |
| 30 Sep 23 | 32 | -23 | 20 | 0 |
| 30 Jun 23 | 27 | -33 | 19 | 0 |
| 31 Mar 23 | 21 | -37 | 17 | 0 |
| 31 Dec 22 | 18 | -37 | 15 | 0 |
| 30 Sep 22 | 18 | -19 | 14 | 0 |
| 30 Jun 22 | 16 | -10 | 14 | 0 |
| 31 Mar 22 | 15 | -7 | 13 | 0 |
| 31 Dec 21 | 14 | -6 | 11 | 0 |
| 30 Sep 21 | 14 | -5 | 10 | 0 |
| 30 Sep 20 | 19 | -5 | 8 | 0 |
Quality Earnings: EPF has a large one-off gain of CA$4.5M impacting its last 12 months of financial results to 30th September, 2024.
Growing Profit Margin: EPF became profitable in the past.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: EPF has become profitable over the past 5 years, growing earnings by 4.6% per year.
Accelerating Growth: EPF has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: EPF has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-3.2%).
Return on Equity
High ROE: EPF's Return on Equity (14.5%) is considered low.