ISP Finance Services Past Earnings Performance
Past criteria checks 5/6
ISP Finance Services has been growing earnings at an average annual rate of 8.3%, while the Consumer Finance industry saw earnings growing at 9.8% annually. Revenues have been growing at an average rate of 5% per year. ISP Finance Services's return on equity is 13.6%, and it has net margins of 24.3%.
Key information
8.3%
Earnings growth rate
8.3%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | 5.0% |
| Return on equity | 13.6% |
| Net Margin | 24.3% |
| Last Earnings Update | 31 Mar 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How ISP Finance Services 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 | 339 | 82 | 121 | 0 |
| 31 Dec 23 | 324 | 67 | 119 | 0 |
| 30 Sep 23 | 302 | 43 | 126 | 0 |
| 30 Jun 23 | 286 | 44 | 126 | 0 |
| 31 Mar 23 | 295 | 54 | 122 | 0 |
| 31 Dec 22 | 299 | 57 | 130 | 0 |
| 30 Sep 22 | 285 | 49 | 126 | 0 |
| 30 Jun 22 | 292 | 47 | 127 | 0 |
| 31 Mar 22 | 291 | 51 | 125 | 0 |
| 31 Dec 21 | 286 | 54 | 123 | 0 |
| 30 Sep 21 | 301 | 68 | 125 | 0 |
| 30 Jun 21 | 283 | 67 | 116 | 0 |
| 31 Mar 21 | 273 | 68 | 113 | 0 |
| 31 Dec 20 | 275 | 65 | 117 | 0 |
| 30 Sep 20 | 237 | 33 | 117 | 0 |
| 30 Jun 20 | 244 | 24 | 134 | 0 |
| 31 Mar 20 | 241 | 17 | 141 | 0 |
| 31 Dec 19 | 242 | 23 | 140 | 0 |
| 30 Sep 19 | 284 | 58 | 146 | 0 |
| 30 Jun 19 | 264 | 53 | 139 | 0 |
| 31 Mar 19 | 257 | 50 | 135 | 0 |
| 31 Dec 18 | 244 | 44 | 130 | 0 |
| 30 Sep 18 | 237 | 46 | 128 | 0 |
| 30 Jun 18 | 241 | 51 | 126 | 0 |
| 31 Mar 18 | 239 | 51 | 123 | 0 |
| 31 Dec 17 | 237 | 50 | 123 | 0 |
| 30 Sep 17 | 235 | 48 | 120 | 0 |
| 30 Jun 17 | 230 | 50 | 116 | 0 |
| 31 Mar 17 | 214 | 52 | 115 | 0 |
| 31 Dec 16 | 203 | 40 | 110 | 0 |
| 30 Sep 16 | 175 | 38 | 165 | 0 |
| 30 Jun 16 | 164 | 33 | 142 | 0 |
| 31 Mar 16 | 160 | 25 | 116 | 0 |
| 31 Dec 15 | 153 | 27 | 94 | 0 |
| 31 Dec 14 | 237 | -3 | 181 | 0 |
Quality Earnings: ISP has high quality earnings.
Growing Profit Margin: ISP's current net profit margins (24.3%) are higher than last year (18.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: ISP's earnings have grown by 8.3% per year over the past 5 years.
Accelerating Growth: ISP's earnings growth over the past year (51.6%) exceeds its 5-year average (8.3% per year).
Earnings vs Industry: ISP earnings growth over the past year (51.6%) exceeded the Consumer Finance industry 12.6%.
Return on Equity
High ROE: ISP's Return on Equity (13.6%) is considered low.