Pareto Bank Past Earnings Performance
Past criteria checks 4/6
Pareto Bank has been growing earnings at an average annual rate of 12.1%, while the Banks industry saw earnings growing at 12.6% annually. Revenues have been growing at an average rate of 11.7% per year. Pareto Bank's return on equity is 12.6%, and it has net margins of 61.3%.
Key information
12.1%
Earnings growth rate
9.1%
EPS growth rate
| Banks Industry Growth | 10.6% |
| Revenue growth rate | 11.7% |
| Return on equity | 12.6% |
| Net Margin | 61.3% |
| Next Earnings Update | 19 Jul 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How Pareto Bank 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 | 1,061 | 651 | 190 | 0 |
| 31 Dec 23 | 998 | 605 | 185 | 0 |
| 30 Sep 23 | 1,006 | 613 | 170 | 0 |
| 30 Jun 23 | 975 | 591 | 167 | 0 |
| 31 Mar 23 | 943 | 569 | 162 | 0 |
| 31 Dec 22 | 920 | 555 | 170 | 0 |
| 30 Sep 22 | 851 | 509 | 150 | 0 |
| 30 Jun 22 | 838 | 504 | 144 | 0 |
| 31 Mar 22 | 831 | 502 | 140 | 0 |
| 31 Dec 21 | 831 | 505 | 135 | 0 |
| 30 Sep 21 | 830 | 505 | 135 | 0 |
| 30 Jun 21 | 790 | 480 | 128 | 0 |
| 31 Mar 21 | 782 | 477 | 125 | 0 |
| 31 Dec 20 | 710 | 428 | 119 | 0 |
| 30 Sep 20 | 687 | 417 | 119 | 0 |
| 30 Jun 20 | 679 | 410 | 119 | 0 |
| 31 Mar 20 | 622 | 369 | 115 | 0 |
| 31 Dec 19 | 663 | 398 | 115 | 0 |
| 30 Sep 19 | 614 | 364 | 113 | 0 |
| 30 Jun 19 | 586 | 345 | 112 | 0 |
| 31 Mar 19 | 590 | 351 | 107 | 0 |
| 31 Dec 18 | 559 | 331 | 105 | 0 |
| 30 Sep 18 | 553 | 322 | 111 | 0 |
| 30 Jun 18 | 559 | 332 | 106 | 0 |
| 31 Mar 18 | 532 | 313 | 103 | 0 |
| 31 Dec 17 | 528 | 313 | 100 | 0 |
| 30 Sep 17 | 513 | 306 | 93 | 0 |
| 30 Jun 17 | 487 | 289 | 90 | 0 |
| 31 Mar 17 | 473 | 277 | 90 | 0 |
| 31 Dec 16 | 427 | 247 | 84 | 0 |
| 30 Sep 16 | 376 | 208 | 81 | 0 |
| 30 Jun 16 | 352 | 190 | 80 | 0 |
| 31 Mar 16 | 343 | 186 | 77 | 0 |
| 31 Dec 15 | 325 | 175 | 73 | 0 |
| 30 Sep 15 | 327 | 172 | 84 | 0 |
| 30 Jun 15 | 317 | 168 | 79 | 0 |
| 31 Mar 15 | 283 | 148 | 75 | 0 |
| 31 Dec 14 | 289 | 154 | 73 | 0 |
| 30 Sep 14 | 298 | 163 | 66 | 0 |
| 30 Jun 14 | 275 | 146 | 66 | 0 |
| 31 Mar 14 | 260 | 134 | 67 | 0 |
| 31 Dec 13 | 228 | 110 | 68 | 0 |
| 30 Sep 13 | 203 | 98 | 60 | 0 |
| 30 Jun 13 | 183 | 83 | 60 | 0 |
Quality Earnings: 8PB has high quality earnings.
Growing Profit Margin: 8PB's current net profit margins (61.3%) are higher than last year (60.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: 8PB's earnings have grown by 12.1% per year over the past 5 years.
Accelerating Growth: 8PB's earnings growth over the past year (14.3%) exceeds its 5-year average (12.1% per year).
Earnings vs Industry: 8PB earnings growth over the past year (14.3%) did not outperform the Banks industry 26.5%.
Return on Equity
High ROE: 8PB's Return on Equity (12.6%) is considered low.