Istarska kreditna banka Umag d.d Past Earnings Performance
Past criteria checks 4/6
Istarska kreditna banka Umag d.d has been growing earnings at an average annual rate of 25.9%, while the Banks industry saw earnings growing at 24% annually. Revenues have been growing at an average rate of 13.5% per year. Istarska kreditna banka Umag d.d's return on equity is 17.3%, and it has net margins of 45%.
Key information
25.9%
Earnings growth rate
27.9%
EPS growth rate
| Banks Industry Growth | 7.6% |
| Revenue growth rate | 13.5% |
| Return on equity | 17.3% |
| Net Margin | 45.0% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Istarska kreditna banka Umag d.d 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 | 28 | 13 | 12 | 0 |
| 30 Jun 24 | 29 | 13 | 12 | 0 |
| 31 Mar 24 | 28 | 13 | 12 | 0 |
| 31 Dec 23 | 26 | 11 | 11 | 0 |
| 30 Sep 23 | 21 | 8 | 11 | 0 |
| 30 Jun 23 | 19 | 6 | 11 | 0 |
| 31 Mar 23 | 19 | 6 | 10 | 0 |
| 31 Dec 22 | 18 | 6 | 10 | 0 |
| 30 Sep 22 | 18 | 6 | 10 | 0 |
| 30 Jun 22 | 18 | 6 | 9 | 0 |
| 31 Mar 22 | 16 | 5 | 9 | 0 |
| 31 Dec 21 | 15 | 5 | 9 | 0 |
| 30 Sep 21 | 16 | 5 | 9 | 0 |
| 30 Jun 21 | 16 | 5 | 9 | 0 |
| 31 Mar 21 | 15 | 4 | 9 | 0 |
| 31 Dec 20 | 15 | 4 | 9 | 0 |
| 30 Sep 20 | 16 | 5 | 8 | 0 |
| 30 Jun 20 | 16 | 4 | 9 | 0 |
| 31 Mar 20 | 16 | 4 | 9 | 0 |
| 31 Dec 19 | 15 | 4 | 9 | 0 |
| 30 Sep 19 | 16 | 5 | 9 | 0 |
| 30 Jun 19 | 16 | 5 | 9 | 0 |
| 31 Mar 19 | 15 | 4 | 9 | 0 |
| 31 Dec 18 | 14 | 3 | 9 | 0 |
| 30 Sep 18 | 13 | 3 | 9 | 0 |
| 30 Jun 18 | 14 | 4 | 9 | 0 |
| 31 Mar 18 | 14 | 4 | 9 | 0 |
| 31 Dec 17 | 14 | 4 | 9 | 0 |
| 30 Sep 17 | 13 | 3 | 9 | 0 |
| 30 Jun 17 | 13 | 3 | 9 | 0 |
| 31 Mar 17 | 14 | 3 | 9 | 0 |
| 31 Dec 16 | 13 | 3 | 9 | 0 |
| 30 Sep 16 | 8 | 3 | 9 | 0 |
| 30 Jun 16 | 8 | 3 | 9 | 0 |
| 31 Mar 16 | 6 | 2 | 9 | 0 |
| 31 Dec 15 | 6 | 2 | 9 | 0 |
| 30 Sep 15 | 11 | 2 | 9 | 0 |
| 30 Jun 15 | 10 | 1 | 9 | 0 |
| 31 Mar 15 | 11 | 1 | 9 | 0 |
| 31 Dec 14 | 11 | 2 | 9 | 0 |
| 30 Sep 14 | 9 | 1 | 8 | 0 |
| 30 Jun 14 | 10 | 1 | 8 | 0 |
| 31 Mar 14 | 10 | 2 | 8 | 0 |
| 31 Dec 13 | 10 | 2 | 8 | 0 |
Quality Earnings: IKBA has high quality earnings.
Growing Profit Margin: IKBA's current net profit margins (45%) are higher than last year (37.9%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: IKBA's earnings have grown significantly by 25.9% per year over the past 5 years.
Accelerating Growth: IKBA's earnings growth over the past year (56%) exceeds its 5-year average (25.9% per year).
Earnings vs Industry: IKBA earnings growth over the past year (56%) did not outperform the Banks industry 61.5%.
Return on Equity
High ROE: IKBA's Return on Equity (17.3%) 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 | 2024/12/22 17:34 |
| End of Day Share Price | 2024/12/20 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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| 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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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
Istarska kreditna banka Umag d.d. is covered by 0 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 |
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