SBFC Finance Past Earnings Performance
Past criteria checks 4/6
SBFC Finance has been growing earnings at an average annual rate of 41.7%, while the Consumer Finance industry saw earnings growing at 24.9% annually. Revenues have been growing at an average rate of 37.4% per year. SBFC Finance's return on equity is 10.1%, and it has net margins of 41.6%.
Key information
41.7%
Earnings growth rate
33.7%
EPS growth rate
| Consumer Finance Industry Growth | 18.3% |
| Revenue growth rate | 37.4% |
| Return on equity | 10.1% |
| Net Margin | 41.6% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Revenue & Expenses Breakdown
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 |
|---|---|---|---|---|
| 30 Sep 24 | 7,234 | 3,006 | 2,441 | 0 |
| 30 Jun 24 | 6,746 | 2,690 | 2,375 | 0 |
| 31 Mar 24 | 6,176 | 2,371 | 2,235 | 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 | 1,646 | 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 (41.6%) are higher than last year (36.1%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: SBFC's earnings have grown significantly by 41.7% per year over the past 5 years.
Accelerating Growth: SBFC's earnings growth over the past year (65.5%) exceeds its 5-year average (41.7% per year).
Earnings vs Industry: SBFC earnings growth over the past year (65.5%) exceeded the Consumer Finance industry 26.1%.
Return on Equity
High ROE: SBFC's Return on Equity (10.1%) is considered low.