PT. Clipan Finance Indonesia Past Earnings Performance
Past criteria checks 2/6
PT. Clipan Finance Indonesia has been growing earnings at an average annual rate of 28.4%, while the Consumer Finance industry saw earnings growing at 20.6% annually. Revenues have been declining at an average rate of 6% per year. PT. Clipan Finance Indonesia's return on equity is 4.5%, and it has net margins of 32.2%.
Key information
28.4%
Earnings growth rate
28.4%
EPS growth rate
| Consumer Finance Industry Growth | 11.7% |
| Revenue growth rate | -6.0% |
| Return on equity | 4.5% |
| Net Margin | 32.2% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How PT. Clipan Finance Indonesia 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 | 801,184 | 258,177 | 617,129 | 0 |
| 30 Jun 24 | 845,979 | 293,564 | 618,768 | 0 |
| 31 Mar 24 | 893,310 | 796,014 | 587,707 | 0 |
| 31 Dec 23 | 893,210 | 815,005 | 559,591 | 0 |
| 30 Sep 23 | 1,063,318 | 952,330 | 560,578 | 0 |
| 30 Jun 23 | 1,015,312 | 950,287 | 533,806 | 0 |
| 31 Mar 23 | 891,110 | 414,220 | 532,323 | 0 |
| 31 Dec 22 | 733,163 | 310,722 | 533,295 | 0 |
| 30 Sep 22 | 367,329 | 47,631 | 498,944 | 0 |
| 30 Jun 22 | 243,423 | -33,826 | 471,864 | 0 |
| 31 Mar 22 | 273,631 | 7,315 | 458,015 | 0 |
| 31 Dec 21 | 281,008 | 46,306 | 426,708 | 0 |
| 30 Sep 21 | -115,249 | 59,371 | 441,656 | 0 |
| 30 Jun 21 | 52,459 | 34,031 | 433,269 | 0 |
| 31 Mar 21 | 188,557 | -6,090 | 426,543 | 0 |
| 31 Dec 20 | 430,116 | 46,567 | 454,489 | 0 |
| 30 Sep 20 | 1,162,773 | 165,483 | 477,055 | 0 |
| 30 Jun 20 | 1,299,505 | 302,705 | 513,615 | 0 |
| 31 Mar 20 | 1,383,965 | 375,182 | 539,306 | 0 |
| 31 Dec 19 | 1,370,632 | 361,596 | 525,972 | 0 |
| 30 Sep 19 | 1,323,476 | 336,835 | 515,131 | 0 |
| 30 Jun 19 | 1,297,075 | 321,012 | 501,949 | 0 |
| 31 Mar 19 | 1,257,877 | 310,375 | 483,540 | 0 |
| 31 Dec 18 | 1,219,635 | 305,138 | 469,795 | 0 |
| 30 Sep 18 | 1,143,960 | 298,153 | 585,923 | 0 |
| 30 Jun 18 | 1,058,832 | 276,580 | 399,721 | 0 |
| 31 Mar 18 | 1,008,816 | 251,214 | 382,317 | 0 |
| 31 Dec 17 | 922,467 | 236,275 | 338,245 | 0 |
| 30 Sep 17 | 878,989 | 231,167 | 223,661 | 0 |
| 30 Jun 17 | 811,271 | 218,751 | 257,391 | 0 |
| 31 Mar 17 | 708,907 | 214,782 | 216,359 | 0 |
| 31 Dec 16 | 651,302 | 205,362 | 190,419 | 0 |
| 30 Sep 16 | 616,212 | 170,922 | 165,179 | 0 |
| 30 Jun 16 | 633,257 | 191,715 | 173,315 | 0 |
| 31 Mar 16 | 667,969 | 241,296 | 181,810 | 0 |
| 31 Dec 15 | 680,901 | 286,349 | 159,480 | 0 |
| 30 Sep 15 | 696,609 | 345,281 | 140,062 | 0 |
| 30 Jun 15 | 683,752 | 381,954 | 180,298 | 0 |
| 31 Mar 15 | 656,314 | 394,800 | 123,407 | 0 |
| 31 Dec 14 | 671,726 | 397,519 | 135,603 | 0 |
| 30 Sep 14 | 667,438 | 393,280 | 79,451 | 0 |
| 30 Jun 14 | 659,344 | 394,832 | 127,934 | 0 |
| 31 Mar 14 | 655,376 | 390,101 | 127,514 | 0 |
| 31 Dec 13 | 620,381 | 382,884 | 124,369 | 0 |
Quality Earnings: CFIN has high quality earnings.
Growing Profit Margin: CFIN's current net profit margins (32.2%) are lower than last year (89.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CFIN's earnings have grown significantly by 28.4% per year over the past 5 years.
Accelerating Growth: CFIN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CFIN had negative earnings growth (-72.9%) over the past year, making it difficult to compare to the Consumer Finance industry average (7.3%).
Return on Equity
High ROE: CFIN's Return on Equity (4.5%) is considered low.