Credifamilia Compañía de Financiamiento Past Earnings Performance

Past criteria checks 2/6

Credifamilia Compañía de Financiamiento has been growing earnings at an average annual rate of 12.9%, while the Diversified Financial industry saw earnings growing at 17.9% annually. Revenues have been growing at an average rate of 18% per year. Credifamilia Compañía de Financiamiento's return on equity is 10.8%, and it has net margins of 17.1%.

Key information

12.9%

Earnings growth rate

12.9%

EPS growth rate

Diversified Financial Industry Growth	14.6%
Revenue growth rate	18.0%
Return on equity	10.8%
Net Margin	17.1%
Last Earnings Update	30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Credifamilia Compañía de Financiamiento makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BVC:CREDIFAMI Revenue, expenses and earnings (COP Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	63,770	10,901	26,214
30 Jun 24	65,082	11,148	25,334
31 Mar 24	67,778	12,801	24,366
31 Dec 23	78,393	17,052	23,422
30 Sep 23	83,953	18,681	24,445
30 Jun 23	91,737	23,858	24,112
31 Mar 23	95,889	27,072	23,501
31 Dec 22	91,948	27,721	22,847
30 Sep 22	85,563	28,830	22,849
30 Jun 22	77,367	26,186	21,361
31 Mar 22	66,774	21,415	16,201
31 Dec 21	52,592	16,417	18,725
30 Sep 21	31,922	14,921	5,691
30 Jun 21	28,760	12,819	6,954
31 Mar 21	27,046	10,948	18,248
31 Dec 20	30,607	10,009	22,485
30 Sep 20	47,165	9,361	36,174
30 Jun 20	46,938	9,467	36,643
31 Mar 20	43,265	9,609	37,619
31 Dec 19	37,537	8,681	27,413
30 Sep 19	35,889	8,269	23,321
30 Jun 19	32,211	7,018	19,103
31 Mar 19	29,115	5,394	8,108
31 Dec 18	27,731	4,666	7,849
30 Sep 18	26,400	4,801	8,048
30 Jun 18	26,050	5,207	7,685
31 Mar 18	24,911	5,066	7,306
31 Dec 17	23,764	4,009	6,940
30 Sep 17	23,183	4,839	6,406
30 Jun 17	23,308	4,478	6,064
31 Mar 17	21,961	3,936	5,883
31 Dec 16	21,402	4,437	5,633
30 Sep 16	16,765	2,244	6,454
30 Jun 16	16,118	2,040	6,042
31 Mar 16	17,168	3,431	5,581
31 Dec 15	15,596	3,001	5,245
31 Dec 14	8,844	1,322	5,187

Quality Earnings: CREDIFAMI has high quality earnings.

Growing Profit Margin: CREDIFAMI's current net profit margins (17.1%) are lower than last year (22.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CREDIFAMI's earnings have grown by 12.9% per year over the past 5 years.

Accelerating Growth: CREDIFAMI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CREDIFAMI had negative earnings growth (-41.7%) over the past year, making it difficult to compare to the Diversified Financial industry average (2%).

Return on Equity

High ROE: CREDIFAMI's Return on Equity (10.8%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/05 15:25
End of Day Share Price	2025/01/03 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Credifamilia Compañía de Financiamiento S.A. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution