VCREDIT Holdings Past Earnings Performance
Past criteria checks 1/6
VCREDIT Holdings has been growing earnings at an average annual rate of 48%, while the Consumer Finance industry saw earnings declining at 1.5% annually. Revenues have been growing at an average rate of 27.6% per year. VCREDIT Holdings's return on equity is 10.9%, and it has net margins of 16%.
Key information
48.0%
Earnings growth rate
50.1%
EPS growth rate
| Consumer Finance Industry Growth | -2.1% |
| Revenue growth rate | 27.6% |
| Return on equity | 10.9% |
| Net Margin | 16.0% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Revenue & Expenses BreakdownBeta
How VCREDIT Holdings 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 |
|---|---|---|---|---|
| 31 Dec 23 | 2,842 | 454 | 516 | 0 |
| 30 Sep 23 | 2,805 | 480 | 481 | 0 |
| 30 Jun 23 | 2,767 | 507 | 445 | 0 |
| 31 Mar 23 | 2,604 | 520 | 432 | 0 |
| 31 Dec 22 | 2,442 | 532 | 418 | 0 |
| 30 Sep 22 | 2,477 | 631 | 413 | 0 |
| 30 Jun 22 | 2,513 | 730 | 408 | 0 |
| 31 Mar 22 | 2,747 | 954 | 407 | 0 |
| 31 Dec 21 | 2,981 | 1,179 | 406 | 0 |
| 30 Sep 21 | 2,714 | 1,084 | 404 | 0 |
| 30 Jun 21 | 2,447 | 989 | 401 | 0 |
| 31 Mar 21 | 1,176 | 60 | 392 | 0 |
| 31 Dec 20 | -96 | -870 | 382 | 0 |
| 30 Sep 20 | -183 | -946 | 438 | 0 |
| 30 Jun 20 | -270 | -1,023 | 494 | 0 |
| 31 Mar 20 | 449 | -479 | 562 | 0 |
| 31 Dec 19 | 1,167 | 65 | 630 | 0 |
| 30 Sep 19 | 1,228 | 27 | 616 | 0 |
| 30 Jun 19 | 1,289 | -10 | 603 | 0 |
| 31 Mar 19 | 1,300 | -519 | 596 | 0 |
| 31 Dec 18 | 1,311 | -1,027 | 590 | 0 |
| 30 Sep 18 | 1,240 | -1,359 | 549 | 0 |
| 30 Jun 18 | 1,168 | -1,692 | 509 | 0 |
| 31 Mar 18 | 1,105 | -1,347 | 417 | 0 |
| 31 Dec 17 | 1,041 | -1,003 | 325 | 0 |
| 31 Dec 16 | 430 | -565 | 243 | 0 |
| 31 Dec 15 | 325 | -303 | 135 | 0 |
Quality Earnings: 2003 has a high level of non-cash earnings.
Growing Profit Margin: 2003's current net profit margins (16%) are lower than last year (21.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: 2003 has become profitable over the past 5 years, growing earnings by 48% per year.
Accelerating Growth: 2003's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 2003 had negative earnings growth (-14.8%) over the past year, making it difficult to compare to the Consumer Finance industry average (13.1%).
Return on Equity
High ROE: 2003's Return on Equity (10.9%) is considered low.