Contact Financial HoldingE Past Earnings Performance
Past criteria checks 1/6
Contact Financial HoldingE has been growing earnings at an average annual rate of 14.3%, while the Consumer Finance industry saw earnings declining at 6.2% annually. Revenues have been declining at an average rate of 3.7% per year. Contact Financial HoldingE's return on equity is 20.5%, and it has net margins of 16.9%.
Key information
14.3%
Earnings growth rate
9.1%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | -3.7% |
| Return on equity | 20.5% |
| Net Margin | 16.9% |
| Last Earnings Update | 30 Jun 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Contact Financial HoldingE 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 Jun 24 | 3,388 | 572 | 815 | 0 |
| 31 Mar 24 | 3,376 | 602 | 757 | 0 |
| 31 Dec 23 | 3,229 | 692 | 703 | 0 |
| 30 Sep 23 | 3,162 | 613 | 653 | 0 |
| 30 Jun 23 | 2,915 | 561 | 623 | 0 |
| 31 Mar 23 | 2,634 | 493 | 588 | 0 |
| 31 Dec 22 | 2,422 | 511 | 535 | 0 |
| 30 Sep 22 | 2,228 | 471 | 510 | 0 |
| 30 Jun 22 | 2,091 | 504 | 478 | 0 |
| 31 Mar 22 | 1,885 | 509 | 437 | 0 |
| 31 Dec 21 | 1,713 | 465 | 403 | 0 |
| 30 Sep 21 | 2,445 | 489 | 331 | 0 |
| 30 Jun 21 | 2,294 | 444 | 328 | 0 |
| 31 Mar 21 | 2,802 | 371 | 319 | 0 |
| 31 Dec 20 | 3,280 | 353 | 313 | 0 |
| 30 Sep 20 | 3,304 | 303 | 346 | 0 |
| 30 Jun 20 | 4,146 | 333 | 310 | 0 |
| 31 Mar 20 | 4,007 | 359 | 286 | 0 |
| 31 Dec 19 | 3,688 | 389 | 267 | 0 |
| 30 Sep 19 | 3,183 | 315 | 260 | 0 |
| 30 Jun 19 | 3,006 | 318 | 247 | 0 |
| 31 Mar 19 | 2,928 | 351 | 238 | 0 |
| 31 Dec 18 | 2,975 | 283 | 217 | 0 |
| 30 Sep 18 | 2,876 | 283 | 196 | 0 |
| 30 Jun 18 | 2,629 | 229 | 180 | 0 |
| 31 Mar 18 | 2,622 | 186 | 166 | 0 |
| 31 Dec 17 | 2,618 | 187 | 155 | 0 |
| 31 Dec 16 | 2,340 | 95 | 138 | 0 |
| 31 Dec 15 | 1,455 | 69 | 106 | 0 |
Quality Earnings: CNFN has a high level of non-cash earnings.
Growing Profit Margin: CNFN's current net profit margins (16.9%) are lower than last year (19.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CNFN's earnings have grown by 14.3% per year over the past 5 years.
Accelerating Growth: CNFN's earnings growth over the past year (2%) is below its 5-year average (14.3% per year).
Earnings vs Industry: CNFN earnings growth over the past year (2%) did not outperform the Consumer Finance industry 5.6%.
Return on Equity
High ROE: Whilst CNFN's Return on Equity (20.5%) is high, this metric is skewed due to their high level of debt.