ISP Finance Services Past Earnings Performance
Past criteria checks 5/6
ISP Finance Services has been growing earnings at an average annual rate of 15.3%, while the Consumer Finance industry saw earnings growing at 12.7% annually. Revenues have been growing at an average rate of 5.8% per year. ISP Finance Services's return on equity is 13.8%, and it has net margins of 27.7%.
Key information
15.3%
Earnings growth rate
15.3%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | 5.8% |
| Return on equity | 13.8% |
| Net Margin | 27.7% |
| Last Earnings Update | 30 Sep 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 |
|---|---|---|---|---|
| 30 Sep 24 | 319 | 88 | 108 | 0 |
| 30 Jun 24 | 346 | 99 | 112 | 0 |
| 31 Mar 24 | 339 | 82 | 121 | 0 |
| 31 Dec 23 | 324 | 67 | 119 | 0 |
| 30 Sep 23 | 302 | 43 | 122 | 0 |
| 30 Jun 23 | 286 | 44 | 122 | 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 (27.7%) are higher than last year (14.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: ISP's earnings have grown by 15.3% per year over the past 5 years.
Accelerating Growth: ISP's earnings growth over the past year (105.8%) exceeds its 5-year average (15.3% per year).
Earnings vs Industry: ISP earnings growth over the past year (105.8%) exceeded the Consumer Finance industry 9.8%.
Return on Equity
High ROE: ISP's Return on Equity (13.8%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/04 18:41 |
| End of Day Share Price | 2025/01/03 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
ISP Finance Services Limited is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
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