Concordia Financial Group, Ltd.

DB:YC3 Stock Report

Market Cap: €6.3b

Concordia Financial Group Past Earnings Performance

Past criteria checks 5/6

Concordia Financial Group has been growing earnings at an average annual rate of 11.7%, while the Banks industry saw earnings growing at 17.4% annually. Revenues have been growing at an average rate of 2.7% per year. Concordia Financial Group's return on equity is 5.7%, and it has net margins of 24.2%.

Key information

11.7%

Earnings growth rate

12.7%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate2.7%
Return on equity5.7%
Net Margin24.2%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Concordia Financial Group makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:YC3 Revenue, expenses and earnings (JPY Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24303,81573,399132,5790
30 Jun 24301,29969,231132,8240
31 Mar 24291,48066,931133,5520
31 Dec 23279,44764,295130,5980
30 Sep 23278,99964,638128,6840
30 Jun 23268,54559,209126,8660
31 Mar 23266,98656,159125,5400
31 Dec 22264,64849,618127,1400
30 Sep 22262,23747,357128,2390
30 Jun 22264,31350,475130,1630
31 Mar 22268,37053,881131,1310
31 Dec 21261,56239,640133,5210
30 Sep 21260,18437,471134,7440
30 Jun 21261,57234,618135,7500
31 Mar 21250,76525,326136,8880
31 Dec 20257,62941,162135,9760
30 Sep 20256,92540,181135,8030
30 Jun 20258,16242,936135,6840
31 Mar 20260,17646,536134,8180
31 Dec 19259,81748,635157,0940
30 Sep 19266,46153,083156,7990
30 Jun 19275,62054,096133,1440
31 Mar 19272,76254,285155,8220
31 Dec 18286,41862,583133,1820
30 Sep 18298,42763,042133,4050
30 Jun 18303,42562,094133,5680
31 Mar 18289,60266,413157,5460
31 Dec 17317,11469,379133,8700
30 Sep 17309,15568,516134,2770
30 Jun 17314,58869,912134,5080
31 Mar 17317,916126,656135,1200

Quality Earnings: YC3 has high quality earnings.

Growing Profit Margin: YC3's current net profit margins (24.2%) are higher than last year (23.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: YC3's earnings have grown by 11.7% per year over the past 5 years.

Accelerating Growth: YC3's earnings growth over the past year (13.6%) exceeds its 5-year average (11.7% per year).

Earnings vs Industry: YC3 earnings growth over the past year (13.6%) exceeded the Banks industry 13.2%.

Return on Equity

High ROE: YC3's Return on Equity (5.7%) is considered low.

Return on Assets

Return on Capital Employed

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