Sparekassen Sjælland-Fyn Past Earnings Performance
Past criteria checks 5/6
Sparekassen Sjælland-Fyn has been growing earnings at an average annual rate of 22.4%, while the Banks industry saw earnings growing at 22.7% annually. Revenues have been growing at an average rate of 10.7% per year. Sparekassen Sjælland-Fyn's return on equity is 13.4%, and it has net margins of 33.1%.
Key information
22.4%
Earnings growth rate
22.8%
EPS growth rate
| Banks Industry Growth | 12.4% |
| Revenue growth rate | 10.7% |
| Return on equity | 13.4% |
| Net Margin | 33.1% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Revenue & Expenses Breakdown
How Sparekassen Sjælland-Fyn 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 |
|---|---|---|---|---|
| 30 Sep 24 | 1,737 | 575 | 893 | 0 |
| 30 Jun 24 | 1,688 | 550 | 889 | 0 |
| 31 Mar 24 | 1,637 | 548 | 878 | 0 |
| 31 Dec 23 | 1,577 | 505 | 859 | 0 |
| 30 Sep 23 | 1,484 | 463 | 820 | 0 |
| 30 Jun 23 | 1,447 | 432 | 816 | 0 |
| 31 Mar 23 | 1,404 | 391 | 809 | 0 |
| 31 Dec 22 | 1,312 | 346 | 800 | 0 |
| 30 Sep 22 | 1,287 | 344 | 797 | 0 |
| 30 Jun 22 | 1,244 | 336 | 783 | 0 |
| 31 Mar 22 | 1,249 | 358 | 766 | 0 |
| 31 Dec 21 | 1,293 | 419 | 753 | 0 |
| 30 Sep 21 | 1,268 | 387 | 776 | 0 |
| 30 Jun 21 | 1,246 | 373 | 781 | 0 |
| 31 Mar 21 | 1,154 | 304 | 780 | 0 |
| 31 Dec 20 | 1,036 | 204 | 787 | 0 |
| 30 Sep 20 | 1,043 | 201 | 792 | 0 |
| 30 Jun 20 | 1,016 | 161 | 801 | 0 |
| 31 Mar 20 | 1,046 | 175 | 809 | 0 |
| 31 Dec 19 | 1,095 | 202 | 810 | 0 |
| 30 Sep 19 | 1,050 | 176 | 799 | 0 |
| 30 Jun 19 | 1,059 | 176 | 792 | 0 |
| 31 Mar 19 | 1,041 | 148 | 798 | 0 |
| 31 Dec 18 | 1,045 | 148 | 789 | 0 |
| 30 Sep 18 | 1,038 | 162 | 774 | 0 |
| 30 Jun 18 | 1,039 | 178 | 762 | 0 |
| 31 Mar 18 | 1,050 | 206 | 745 | 0 |
| 31 Dec 17 | 1,047 | 201 | 732 | 0 |
| 30 Sep 17 | 1,038 | 204 | 717 | 0 |
| 30 Jun 17 | 1,024 | 192 | 701 | 0 |
| 31 Mar 17 | 990 | 173 | 688 | 0 |
| 31 Dec 16 | 960 | 159 | 679 | 0 |
| 30 Sep 16 | 941 | 29 | 668 | 0 |
| 30 Jun 16 | 895 | 12 | 663 | 0 |
| 31 Mar 16 | 864 | 10 | 651 | 0 |
| 31 Dec 15 | 839 | 7 | 644 | 0 |
| 30 Jun 15 | 907 | 165 | 625 | 0 |
| 31 Mar 15 | 881 | 181 | 616 | 0 |
| 31 Dec 14 | 833 | 179 | 613 | 0 |
| 30 Jun 14 | -497 | -630 | 595 | 0 |
| 31 Mar 14 | -552 | -686 | 564 | 0 |
| 31 Dec 13 | -607 | -743 | 532 | 0 |
Quality Earnings: SPKSJF has high quality earnings.
Growing Profit Margin: SPKSJF's current net profit margins (33.1%) are higher than last year (31.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: SPKSJF's earnings have grown significantly by 22.4% per year over the past 5 years.
Accelerating Growth: SPKSJF's earnings growth over the past year (24.4%) exceeds its 5-year average (22.4% per year).
Earnings vs Industry: SPKSJF earnings growth over the past year (24.4%) exceeded the Banks industry 19.2%.
Return on Equity
High ROE: SPKSJF's Return on Equity (13.4%) is considered low.