Contact Financial HoldingE Past Earnings Performance
Past criteria checks 2/6
Contact Financial HoldingE has been growing earnings at an average annual rate of 14.4%, while the Consumer Finance industry saw earnings declining at 2% annually. Revenues have been declining at an average rate of 2.1% per year. Contact Financial HoldingE's return on equity is 21.1%, and it has net margins of 18%.
Key information
14.4%
Earnings growth rate
8.9%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | -2.1% |
| Return on equity | 21.1% |
| Net Margin | 18.0% |
| Last Earnings Update | 30 Sep 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 Sep 24 | 3,702 | 665 | 898 | 0 |
| 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 high quality earnings.
Growing Profit Margin: CNFN's current net profit margins (18%) are lower than last year (19.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CNFN's earnings have grown by 14.4% per year over the past 5 years.
Accelerating Growth: CNFN's earnings growth over the past year (8.5%) is below its 5-year average (14.4% per year).
Earnings vs Industry: CNFN earnings growth over the past year (8.5%) did not outperform the Consumer Finance industry 8.5%.
Return on Equity
High ROE: Whilst CNFN's Return on Equity (21.08%) is high, this metric is skewed due to their high level of debt.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/22 15:12 |
| End of Day Share Price | 2024/12/19 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* 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 here.
Analysis Model and Snowflake
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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 .
Analyst Sources
Contact Financial Holding S.A.E. is covered by 3 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Elena Sanchez-Cabezudo | EFG-Hermes Research |
| Farida Elaskalany | Pharos Research |
| Farida Elaskalany | Tellimer Research |