CalBank PLC

GHSE:CAL Stock Report

Market Cap: GH₵257.3m

CalBank Past Earnings Performance

Past criteria checks 0/6

CalBank's earnings have been declining at an average annual rate of -59.1%, while the Banks industry saw earnings growing at 5.9% annually. Revenues have been declining at an average rate of 46.3% per year.

Key information

-59.1%

Earnings growth rate

17.1%

EPS growth rate

Banks Industry Growth0.6%
Revenue growth rate-46.3%
Return on equity-273.1%
Net Margin217.6%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How CalBank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

GHSE:CAL Revenue, expenses and earnings (GHS Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24-287-6252550
30 Jun 24-254-6192660
31 Mar 24-385-6862450
31 Dec 23-396-6712320
30 Sep 23-552-7892240
30 Jun 23-649-8372170
31 Mar 23-632-8092140
31 Dec 22-660-8102090
30 Sep 227292092210
30 Jun 227582502160
31 Mar 227032322040
31 Dec 216632231940
30 Sep 216852431950
30 Jun 216572371910
31 Mar 216122181840
31 Dec 206022141800
30 Sep 205501791700
30 Jun 205231701670
31 Mar 205301811670
31 Dec 195101731650
30 Sep 195161741650
30 Jun 194881621550
31 Mar 194721611460
31 Dec 184531531370
30 Sep 184341541260
30 Jun 184281561210
31 Mar 184201551170
31 Dec 174071531110
30 Sep 1719833850
30 Jun 1717817820
31 Mar 171541790
31 Dec 1616810810
30 Sep 16352139590
30 Jun 16366154730
31 Mar 16378167840
31 Dec 15365166880
30 Sep 153551561380
30 Jun 153521601290
31 Mar 153311541160
31 Dec 143051431060
30 Sep 14282132950
30 Jun 14241113840
31 Mar 14219101780

Quality Earnings: CAL is currently unprofitable.

Growing Profit Margin: CAL is currently unprofitable.

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CAL is unprofitable, and losses have increased over the past 5 years at a rate of 59.1% per year.

Accelerating Growth: Unable to compare CAL's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: CAL is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (21.8%).

Return on Equity

High ROE: CAL has a negative Return on Equity (-273.11%), as it is currently unprofitable.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/07 10:02
End of Day Share Price 2025/02/07 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

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 Github.

Analyst Sources

CalBank PLC is covered by 8 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.

AnalystInstitution
Derrick MensahAfrican Alliance
Steve MotsiBPI Capital Africa (Proprietary), Limited
Gideon Amoaning-KyeiDatabank Brokerage Ltd.