Addiko Bank Past Earnings Performance
Past criteria checks 4/6
Addiko Bank's earnings have been declining at an average annual rate of -15.3%, while the Banks industry saw earnings growing at 12.5% annually. Revenues have been declining at an average rate of 0.4% per year. Addiko Bank's return on equity is 5.1%, and it has net margins of 14.9%.
Key information
-15.3%
Earnings growth rate
-14.4%
EPS growth rate
| Banks Industry Growth | 10.6% |
| Revenue growth rate | -0.4% |
| Return on equity | 5.1% |
| Net Margin | 14.9% |
| Next Earnings Update | 08 May 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How Addiko 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 Dec 23 | 277 | 41 | 179 | 0 |
| 30 Sep 23 | 267 | 36 | 174 | 0 |
| 30 Jun 23 | 252 | 33 | 216 | 0 |
| 31 Mar 23 | 235 | 29 | 170 | 0 |
| 31 Dec 22 | 229 | 26 | 168 | 0 |
| 30 Sep 22 | 228 | 24 | 167 | 0 |
| 30 Jun 22 | 224 | 20 | 167 | 0 |
| 31 Mar 22 | 225 | 15 | 167 | 0 |
| 31 Dec 21 | 222 | 14 | 170 | 0 |
| 30 Sep 21 | 212 | 17 | 171 | 0 |
| 30 Jun 21 | 212 | 20 | 172 | 0 |
| 31 Mar 21 | 198 | 15 | 169 | 0 |
| 31 Dec 20 | 192 | 1 | 169 | 0 |
| 30 Sep 20 | 228 | 5 | 170 | 0 |
| 30 Jun 20 | 229 | 3 | 175 | 0 |
| 31 Mar 20 | 232 | 17 | 181 | 0 |
| 31 Dec 19 | 265 | 35 | 188 | 0 |
| 30 Sep 19 | 229 | 31 | 187 | 0 |
| 30 Jun 19 | 230 | 32 | 187 | 0 |
| 31 Mar 19 | 265 | 68 | 186 | 0 |
| 31 Dec 18 | 298 | 104 | 185 | 0 |
| 31 Dec 17 | 213 | 42 | 186 | 0 |
| 31 Dec 16 | 249 | -24 | 209 | 0 |
| 31 Dec 15 | -384 | -675 | 234 | 0 |
| 31 Dec 14 | 130 | -97 | 205 | 0 |
| 31 Dec 13 | -78 | -302 | 204 | 0 |
Quality Earnings: ZYE1 has a large one-off loss of €40.6M impacting its last 12 months of financial results to 31st December, 2023.
Growing Profit Margin: ZYE1's current net profit margins (14.9%) are higher than last year (11.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: ZYE1 has become profitable over the past 5 years, growing earnings by -15.3% per year.
Accelerating Growth: ZYE1's earnings growth over the past year (59.9%) exceeds its 5-year average (-15.3% per year).
Earnings vs Industry: ZYE1 earnings growth over the past year (59.9%) exceeded the Banks industry 27%.
Return on Equity
High ROE: ZYE1's Return on Equity (5.1%) is considered low.