United Credit Past Earnings Performance
Past criteria checks 4/6
United Credit's earnings have been declining at an average annual rate of -0.4%, while the Consumer Finance industry saw earnings growing at 25.4% annually. Revenues have been declining at an average rate of 9.5% per year. United Credit's return on equity is 6.1%, and it has net margins of 46.3%.
Key information
-0.4%
Earnings growth rate
-0.4%
EPS growth rate
| Consumer Finance Industry Growth | 18.3% |
| Revenue growth rate | -9.5% |
| Return on equity | 6.1% |
| Net Margin | 46.3% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How United Credit 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 | 39 | 18 | 12 | 0 |
| 30 Jun 24 | 36 | 17 | 0 | 0 |
| 31 Mar 24 | 36 | 16 | 11 | 0 |
| 31 Dec 23 | 39 | 14 | 11 | 0 |
| 30 Sep 23 | 31 | 9 | 11 | 0 |
| 30 Jun 23 | 30 | 8 | 11 | 0 |
| 31 Mar 23 | 29 | 7 | 11 | 0 |
| 31 Dec 22 | 31 | 8 | 10 | 0 |
| 30 Sep 22 | 30 | 8 | 10 | 0 |
| 30 Jun 22 | 27 | 6 | 7 | 0 |
| 31 Mar 22 | 28 | 8 | 10 | 0 |
| 31 Dec 21 | 26 | 7 | 10 | 0 |
| 30 Sep 21 | 26 | 7 | 11 | 0 |
| 30 Jun 21 | 29 | 9 | 11 | 0 |
| 31 Mar 21 | 27 | 9 | 7 | 0 |
| 31 Dec 20 | 28 | 9 | 10 | 0 |
| 30 Sep 20 | 29 | 9 | 10 | 0 |
| 30 Jun 20 | 28 | 9 | 10 | 0 |
| 31 Mar 20 | 30 | 9 | 10 | 0 |
| 31 Dec 19 | 81 | 23 | 8 | 0 |
| 30 Sep 19 | 80 | 22 | 5 | 0 |
| 30 Jun 19 | 79 | 22 | 7 | 0 |
| 31 Mar 19 | 79 | 21 | 10 | 0 |
| 31 Dec 18 | 26 | 9 | 7 | 0 |
| 30 Sep 18 | 25 | 9 | 7 | 0 |
| 30 Jun 18 | 25 | 9 | 6 | 0 |
| 31 Mar 18 | 25 | 7 | 7 | 0 |
| 31 Dec 17 | 24 | 9 | 7 | 0 |
| 30 Sep 17 | 24 | 9 | 7 | 0 |
| 30 Jun 17 | 23 | 8 | 6 | 0 |
| 31 Mar 17 | 21 | 8 | 7 | 0 |
| 31 Dec 16 | 26 | 1 | 7 | 0 |
| 30 Sep 16 | 25 | -1 | 7 | 0 |
| 30 Jun 16 | 24 | -2 | 7 | 0 |
| 31 Mar 16 | 25 | 1 | 7 | 0 |
| 31 Dec 15 | 19 | 4 | 8 | 0 |
| 30 Sep 15 | 20 | 6 | 8 | 0 |
| 30 Jun 15 | 20 | 6 | 8 | 0 |
| 31 Mar 15 | 20 | 5 | 6 | 0 |
| 31 Dec 14 | 19 | 3 | 8 | 0 |
| 30 Sep 14 | 19 | 3 | 8 | 0 |
| 30 Jun 14 | 19 | 5 | 5 | 0 |
| 31 Mar 14 | 19 | 4 | 7 | 0 |
| 31 Dec 13 | 16 | -35 | 7 | 0 |
Quality Earnings: 531091 has high quality earnings.
Growing Profit Margin: 531091's current net profit margins (46.3%) are higher than last year (29.7%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: 531091's earnings have declined by 0.4% per year over the past 5 years.
Accelerating Growth: 531091's earnings growth over the past year (96%) exceeds its 5-year average (-0.4% per year).
Earnings vs Industry: 531091 earnings growth over the past year (96%) exceeded the Consumer Finance industry 26.1%.
Return on Equity
High ROE: 531091's Return on Equity (6.1%) is considered low.