Podravska banka d.d Past Earnings Performance
Past criteria checks 4/6
Podravska banka d.d's earnings have been declining at an average annual rate of -0.1%, while the Banks industry saw earnings growing at 15.4% annually. Revenues have been growing at an average rate of 1.5% per year. Podravska banka d.d's return on equity is 5.6%, and it has net margins of 20.9%.
Key information
-0.1%
Earnings growth rate
-0.1%
EPS growth rate
| Banks Industry Growth | 7.6% |
| Revenue growth rate | 1.5% |
| Return on equity | 5.6% |
| Net Margin | 20.9% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Revenue & Expenses BreakdownBeta
How Podravska 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 | 19 | 4 | 14 | 0 |
| 30 Sep 23 | 17 | 3 | 13 | 0 |
| 30 Jun 23 | 16 | 2 | 13 | 0 |
| 31 Mar 23 | 16 | 2 | 13 | 0 |
| 31 Dec 22 | 16 | 2 | 13 | 0 |
| 30 Sep 22 | 14 | 2 | 12 | 0 |
| 30 Jun 22 | 15 | 2 | 12 | 0 |
| 31 Mar 22 | 15 | 2 | 12 | 0 |
| 31 Dec 21 | 15 | 2 | 12 | 0 |
| 30 Sep 21 | 16 | 2 | 12 | 0 |
| 30 Jun 21 | 16 | 1 | 12 | 0 |
| 31 Mar 21 | 15 | 2 | 12 | 0 |
| 31 Dec 20 | 15 | 2 | 12 | 0 |
| 30 Sep 20 | 16 | 1 | 12 | 0 |
| 30 Jun 20 | 16 | 2 | 12 | 0 |
| 31 Mar 20 | 16 | 2 | 12 | 0 |
| 31 Dec 19 | 16 | 3 | 12 | 0 |
| 30 Sep 19 | 17 | 4 | 11 | 0 |
| 30 Jun 19 | 16 | 3 | 12 | 0 |
| 31 Mar 19 | 15 | 2 | 11 | 0 |
| 31 Dec 18 | 14 | 2 | 12 | 0 |
| 30 Sep 18 | 13 | 1 | 12 | 0 |
| 30 Jun 18 | 14 | 1 | 12 | 0 |
| 31 Mar 18 | 13 | 1 | 12 | 0 |
| 31 Dec 17 | 15 | 2 | 12 | 0 |
| 30 Sep 17 | 14 | 1 | 12 | 0 |
| 30 Jun 17 | 14 | 1 | 12 | 0 |
| 31 Mar 17 | 14 | 1 | 12 | 0 |
| 31 Dec 16 | 17 | 3 | 12 | 0 |
| 30 Sep 16 | 17 | 4 | 12 | 0 |
| 30 Jun 16 | 17 | 4 | 12 | 0 |
| 31 Mar 16 | 18 | 4 | 13 | 0 |
| 31 Dec 15 | 14 | 0 | 13 | 0 |
| 30 Sep 15 | 13 | -1 | 12 | 0 |
| 30 Jun 15 | 12 | -2 | 13 | 0 |
| 31 Mar 15 | 12 | -2 | 13 | 0 |
| 31 Dec 14 | 12 | -2 | 13 | 0 |
| 30 Sep 14 | 14 | -1 | 13 | 0 |
| 30 Jun 14 | 15 | 0 | 13 | 0 |
| 31 Mar 14 | 15 | 0 | 13 | 0 |
| 31 Dec 13 | 15 | 0 | 13 | 0 |
| 30 Sep 13 | 15 | 0 | 14 | 0 |
| 30 Jun 13 | 16 | 0 | 15 | 0 |
Quality Earnings: PDBA has high quality earnings.
Growing Profit Margin: PDBA's current net profit margins (20.9%) are higher than last year (10.3%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PDBA's earnings have declined by 0.1% per year over the past 5 years.
Accelerating Growth: PDBA's earnings growth over the past year (150.8%) exceeds its 5-year average (-0.1% per year).
Earnings vs Industry: PDBA earnings growth over the past year (150.8%) exceeded the Banks industry 62.7%.
Return on Equity
High ROE: PDBA's Return on Equity (5.6%) is considered low.