St. Galler Kantonalbank Past Earnings Performance

Past criteria checks 2/6

St. Galler Kantonalbank has been growing earnings at an average annual rate of 5.3%, while the Banks industry saw earnings growing at 24% annually. Revenues have been growing at an average rate of 3.2% per year. St. Galler Kantonalbank's return on equity is 6.9%, and it has net margins of 36.1%.

Key information

5.3%

Earnings growth rate

4.5%

EPS growth rate

Banks Industry Growth	21.2%
Revenue growth rate	3.2%
Return on equity	6.9%
Net Margin	36.1%
Last Earnings Update	30 Jun 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How St. Galler Kantonalbank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BATS-CHIXE:SGKNZ Revenue, expenses and earnings (CHF Millions)
Date	Revenue	Earnings	G+A Expenses
30 Jun 24	551	199	295
31 Mar 24	557	203	293
31 Dec 23	563	207	291
30 Sep 23	550	204	288
30 Jun 23	537	201	286
31 Mar 23	516	192	281
31 Dec 22	495	184	277
30 Sep 22	496	181	278
30 Jun 22	496	178	279
31 Mar 22	499	180	278
31 Dec 21	503	181	277
30 Sep 21	498	179	283
30 Jun 21	493	178	289
31 Mar 21	490	172	287
31 Dec 20	487	167	285
30 Sep 20	488	166	285
30 Jun 20	489	165	286
31 Mar 20	484	164	285
31 Dec 19	479	164	285
30 Sep 19	476	162	277
30 Jun 19	472	160	270
31 Mar 19	475	159	276
31 Dec 18	478	159	282
30 Sep 18	478	158	285
30 Jun 18	478	157	288
31 Mar 18	469	156	281
31 Dec 17	460	156	273
30 Sep 17	456	154	267
30 Jun 17	453	153	261
31 Mar 17	451	149	261
31 Dec 16	448	146	260
30 Sep 16	448	134	264
30 Jun 16	447	123	268
31 Mar 16	449	128	269
31 Dec 15	451	133	269
30 Sep 15	446	146	262
30 Jun 15	441	158	255
31 Mar 15	440	152	255
31 Dec 14	440	146	255
30 Sep 14	427	132	259
30 Jun 14	414	117	264
31 Mar 14	428	113	272

Quality Earnings: SGKNZ has high quality earnings.

Growing Profit Margin: SGKNZ's current net profit margins (36.1%) are lower than last year (37.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: SGKNZ's earnings have grown by 5.3% per year over the past 5 years.

Accelerating Growth: SGKNZ's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: SGKNZ had negative earnings growth (-0.9%) over the past year, making it difficult to compare to the Banks industry average (10.1%).

Return on Equity

High ROE: SGKNZ's Return on Equity (6.9%) is considered low.

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	2025/01/01 01:29
End of Day Share Price	2024/12/30 00:00
Earnings	2024/06/30
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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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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Learn about the world class team who designed and built the Simply Wall St analysis model.

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

St. Galler Kantonalbank AG is covered by 5 analysts. 1 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
Jan-Thomas Schoeps	Credit Suisse
Peter Thorne	Helvea SA
Mathias Büeler	Kepler Capital Markets