Fino Payments Bank Past Earnings Performance
Past criteria checks 3/6
Fino Payments Bank has been growing earnings at an average annual rate of 45.5%, while the Banks industry saw earnings growing at 38.3% annually. Revenues have been growing at an average rate of 17.4% per year. Fino Payments Bank's return on equity is 13.5%, and it has net margins of 6%.
Key information
45.5%
Earnings growth rate
44.7%
EPS growth rate
| Banks Industry Growth | 38.0% |
| Revenue growth rate | 17.4% |
| Return on equity | 13.5% |
| Net Margin | 5.9% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Fino Payments Bank 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 | 15,702 | 934 | 3,246 | 0 |
| 30 Jun 24 | 14,790 | 918 | 1,844 | 0 |
| 31 Mar 24 | 13,988 | 862 | 3,119 | 0 |
| 31 Dec 23 | 13,298 | 831 | 2,830 | 0 |
| 30 Sep 23 | 12,817 | 794 | 2,768 | 0 |
| 30 Jun 23 | 12,340 | 737 | 1,589 | 0 |
| 31 Mar 23 | 11,825 | 651 | 2,676 | 0 |
| 31 Dec 22 | 11,541 | 606 | 2,418 | 0 |
| 30 Sep 22 | 11,245 | 556 | 2,378 | 0 |
| 30 Jun 22 | 10,717 | 497 | 1,393 | 0 |
| 31 Mar 22 | 9,935 | 427 | 2,380 | 0 |
| 31 Dec 21 | 9,423 | 327 | 2,343 | 0 |
| 30 Sep 21 | 8,971 | 251 | 2,295 | 0 |
| 30 Jun 21 | 8,195 | 204 | 2,237 | 0 |
| 31 Mar 21 | 7,775 | 205 | 2,097 | 0 |
| 31 Mar 20 | 6,805 | -320 | 1,967 | 0 |
| 31 Mar 19 | 3,647 | -624 | 1,916 | 0 |
| 31 Mar 18 | 2,365 | -673 | 1,850 | 0 |
Quality Earnings: FINOPB has high quality earnings.
Growing Profit Margin: FINOPB's current net profit margins (6%) are lower than last year (6.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: FINOPB has become profitable over the past 5 years, growing earnings by 45.5% per year.
Accelerating Growth: FINOPB's earnings growth over the past year (17.7%) is below its 5-year average (45.5% per year).
Earnings vs Industry: FINOPB earnings growth over the past year (17.7%) exceeded the Banks industry 15%.
Return on Equity
High ROE: FINOPB's Return on Equity (13.5%) is considered low.