Istarska kreditna banka Umag d.d Past Earnings Performance
Past criteria checks 5/6
Istarska kreditna banka Umag d.d has been growing earnings at an average annual rate of 18.5%, while the Banks industry saw earnings growing at 15.4% annually. Revenues have been growing at an average rate of 8.1% per year. Istarska kreditna banka Umag d.d's return on equity is 17.5%, and it has net margins of 43.9%.
Key information
18.5%
Earnings growth rate
21.6%
EPS growth rate
| Banks Industry Growth | 7.6% |
| Revenue growth rate | 8.1% |
| Return on equity | 17.5% |
| Net Margin | 43.9% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
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 |
|---|---|---|---|---|
| 31 Dec 23 | 26 | 11 | 12 | 0 |
| 30 Sep 23 | 22 | 8 | 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 |
| 30 Sep 13 | 12 | 2 | 9 | 0 |
| 30 Jun 13 | 12 | 2 | 9 | 0 |
Quality Earnings: IKBA has high quality earnings.
Growing Profit Margin: IKBA's current net profit margins (43.9%) are higher than last year (30.9%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: IKBA's earnings have grown by 18.5% per year over the past 5 years.
Accelerating Growth: IKBA's earnings growth over the past year (105.4%) exceeds its 5-year average (18.5% per year).
Earnings vs Industry: IKBA earnings growth over the past year (105.4%) exceeded the Banks industry 62.7%.
Return on Equity
High ROE: IKBA's Return on Equity (17.5%) is considered low.