CrediaBank has been growing earnings at an average annual rate of 16.5%, while the Banks industry saw earnings growing at 14.6% annually. Revenues have been growing at an average rate of 27.4% per year. CrediaBank's return on equity is 2.3%, and it has net margins of 9.2%.
Key information
16.50%
Earnings growth rate
76.42%
EPS growth rate
Banks Industry Growth
10.63%
Revenue growth rate
27.37%
Return on equity
2.34%
Net Margin
9.16%
Next Earnings Update
09 Sep 2026
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How CrediaBank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
DB:BCA0 Revenue, expenses and earnings (EUR Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
31 Mar 26
250
23
108
0
31 Dec 25
248
15
108
0
30 Sep 25
215
28
112
0
30 Jun 25
-187
-316
104
0
31 Mar 25
-218
-322
89
0
31 Dec 24
-256
-325
73
0
30 Sep 24
-285
-331
58
0
30 Jun 24
102
21
49
0
31 Mar 24
97
23
50
0
31 Dec 23
105
28
50
0
30 Sep 23
-219
-330
49
0
30 Jun 23
-231
-355
53
0
31 Mar 23
-247
-377
53
0
31 Dec 22
-260
-387
51
0
30 Sep 22
-24
-120
50
0
30 Jun 22
-33
-115
49
0
31 Mar 22
-25
-108
48
0
31 Dec 21
-26
-105
49
0
30 Sep 21
-174
-298
48
0
30 Jun 21
-174
-296
48
0
31 Mar 21
-187
-300
49
0
31 Dec 20
-190
-306
49
0
30 Sep 20
31
-32
48
0
30 Jun 20
30
-25
48
0
31 Mar 20
37
-8
47
0
31 Dec 19
48
5
47
0
30 Sep 19
97
35
51
0
30 Jun 19
103
34
46
0
31 Mar 19
100
4
59
0
31 Dec 18
101
-2
64
0
30 Sep 18
57
-44
63
0
30 Jun 18
98
-22
70
0
31 Mar 18
100
-2
57
0
31 Dec 17
96
0
51
0
30 Sep 17
92
-30
54
0
30 Jun 17
48
-60
55
0
31 Mar 17
58
-64
60
0
31 Dec 16
66
-61
60
0
30 Sep 16
-53
-99
60
0
30 Jun 16
-55
-65
60
0
31 Mar 16
-522
-353
58
0
31 Dec 15
-531
-356
59
0
30 Sep 15
-453
-309
64
0
30 Jun 15
-473
-360
64
0
Quality Earnings: BCA0 has a large one-off loss of €21.6M impacting its last 12 months of financial results to 31st March, 2026.
Growing Profit Margin: BCA0 became profitable in the past.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: BCA0 has become profitable over the past 5 years, growing earnings by 16.5% per year.
Accelerating Growth: BCA0 has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: BCA0 has become profitable in the last year, making it difficult to compare its past year earnings growth to the Banks industry (0.9%).
Return on Equity
High ROE: BCA0's Return on Equity (2.3%) is considered low.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2026/06/10 00:40
End of Day Share Price
2026/06/10 00:00
Earnings
2026/03/31
Annual Earnings
2025/12/31
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.
* 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.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
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 Github.
Analyst Sources
CrediaBank S.A. is covered by 3 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.