Agram banka d.d Past Earnings Performance
Past criteria checks 4/6
Agram banka d.d has been growing earnings at an average annual rate of 12.7%, while the Banks industry saw earnings growing at 12.3% annually. Revenues have been growing at an average rate of 6.4% per year. Agram banka d.d's return on equity is 12.6%, and it has net margins of 37.1%.
Key information
12.7%
Earnings growth rate
28.6%
EPS growth rate
| Banks Industry Growth | 7.6% |
| Revenue growth rate | 6.4% |
| Return on equity | 12.6% |
| Net Margin | 37.1% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How Agram banka 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 | 22 | 8 | 12 | 0 |
| 30 Sep 23 | 20 | 6 | 6 | 0 |
| 31 Mar 23 | 19 | 6 | 5 | 0 |
| 31 Dec 22 | 19 | 6 | 5 | 0 |
| 30 Sep 22 | 17 | 5 | 5 | 0 |
| 30 Jun 22 | 16 | 4 | 5 | 0 |
| 31 Mar 22 | 16 | 5 | 5 | 0 |
| 31 Dec 21 | 17 | 5 | 5 | 0 |
| 30 Sep 21 | 19 | 7 | 5 | 0 |
| 30 Jun 21 | 19 | 7 | 5 | 0 |
| 31 Mar 21 | 17 | 5 | 5 | 0 |
| 31 Dec 20 | 16 | 4 | 5 | 0 |
| 30 Sep 20 | 17 | 4 | 6 | 0 |
| 30 Jun 20 | 17 | 4 | 6 | 0 |
| 31 Mar 20 | 17 | 5 | 6 | 0 |
| 31 Dec 19 | 17 | 5 | 6 | 0 |
| 30 Sep 19 | 15 | 4 | 6 | 0 |
| 30 Jun 19 | 14 | 3 | 6 | 0 |
| 31 Mar 19 | 15 | 3 | 6 | 0 |
| 31 Dec 18 | 15 | 4 | 6 | 0 |
| 30 Sep 18 | 15 | 4 | 5 | 0 |
| 30 Jun 18 | 16 | 5 | 5 | 0 |
| 31 Mar 18 | 15 | 4 | 4 | 0 |
| 31 Dec 17 | 14 | 3 | 5 | 0 |
| 30 Sep 17 | 13 | 2 | 4 | 0 |
| 30 Jun 17 | 13 | 2 | 4 | 0 |
| 31 Mar 17 | 13 | 2 | 3 | 0 |
| 31 Dec 16 | 12 | 2 | 4 | 0 |
| 30 Sep 16 | 12 | 2 | 0 | 0 |
| 30 Jun 16 | 12 | 1 | 0 | 0 |
| 31 Mar 16 | 11 | 0 | 4 | 0 |
| 31 Dec 15 | 11 | 1 | 0 | 0 |
| 30 Sep 15 | 8 | -7 | 5 | 0 |
| 30 Jun 15 | 9 | -6 | 5 | 0 |
| 31 Mar 15 | 10 | -5 | 5 | 0 |
| 31 Dec 14 | 10 | -5 | 5 | 0 |
| 30 Sep 14 | 14 | 3 | 5 | 0 |
| 30 Jun 14 | 12 | 2 | 5 | 0 |
| 31 Mar 14 | 12 | 1 | 5 | 0 |
| 31 Dec 13 | 11 | 1 | 5 | 0 |
| 30 Sep 13 | 12 | 1 | 4 | 0 |
| 30 Jun 13 | 13 | 2 | 4 | 0 |
Quality Earnings: KBZ has high quality earnings.
Growing Profit Margin: KBZ's current net profit margins (37.1%) are higher than last year (32.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: KBZ's earnings have grown by 12.7% per year over the past 5 years.
Accelerating Growth: KBZ's earnings growth over the past year (36%) exceeds its 5-year average (12.7% per year).
Earnings vs Industry: KBZ earnings growth over the past year (36%) did not outperform the Banks industry 70.4%.
Return on Equity
High ROE: KBZ's Return on Equity (12.6%) is considered low.