SBFC Finance Past Earnings Performance
Past criteria checks 4/6
SBFC Finance has been growing earnings at an average annual rate of 36%, while the Consumer Finance industry saw earnings growing at 19.1% annually. Revenues have been growing at an average rate of 29.1% per year. SBFC Finance's return on equity is 8.5%, and it has net margins of 35.4%.
Key information
36.0%
Earnings growth rate
30.5%
EPS growth rate
| Consumer Finance Industry Growth | 18.3% |
| Revenue growth rate | 29.1% |
| Return on equity | 8.5% |
| Net Margin | 35.4% |
| Last Earnings Update | 31 Mar 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How SBFC Finance 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 Mar 24 | 6,693 | 2,371 | 2,171 | 0 |
| 31 Dec 23 | 5,576 | 2,044 | 2,005 | 0 |
| 30 Sep 23 | 5,034 | 1,816 | 1,869 | 0 |
| 30 Jun 23 | 4,646 | 1,646 | 1,745 | 0 |
| 31 Mar 23 | 4,266 | 1,497 | 1,629 | 0 |
| 31 Dec 22 | 3,894 | 1,218 | 1,497 | 0 |
| 30 Sep 22 | 3,304 | 933 | 1,366 | 0 |
| 30 Jun 22 | 2,984 | 772 | 1,210 | 0 |
| 31 Mar 22 | 2,697 | 645 | 1,111 | 0 |
| 31 Dec 21 | 2,511 | 712 | 1,030 | 0 |
| 30 Sep 21 | 2,511 | 783 | 1,017 | 0 |
| 30 Jun 21 | 2,449 | 817 | 965 | 0 |
| 31 Mar 21 | 2,335 | 850 | 845 | 0 |
| 31 Mar 20 | 1,698 | 355 | 745 | 0 |
| 31 Mar 19 | 1,262 | 244 | 672 | 0 |
| 31 Mar 18 | 509 | 31 | 298 | 0 |
| 31 Mar 17 | 10 | 0 | 9 | 0 |
Quality Earnings: SBFC has a high level of non-cash earnings.
Growing Profit Margin: SBFC's current net profit margins (35.4%) are higher than last year (35.1%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: SBFC's earnings have grown significantly by 36% per year over the past 5 years.
Accelerating Growth: SBFC's earnings growth over the past year (58.3%) exceeds its 5-year average (36% per year).
Earnings vs Industry: SBFC earnings growth over the past year (58.3%) exceeded the Consumer Finance industry 41.6%.
Return on Equity
High ROE: SBFC's Return on Equity (8.5%) is considered low.