The Housing Bank for Trade and Finance

ASE:THBK Stock Report

Market Cap: د.أ1.0b

Housing Bank for Trade and Finance Past Earnings Performance

Past criteria checks 2/6

Housing Bank for Trade and Finance has been growing earnings at an average annual rate of 20.1%, while the Banks industry saw earnings growing at 10.8% annually. Revenues have been growing at an average rate of 10.7% per year. Housing Bank for Trade and Finance's return on equity is 10.6%, and it has net margins of 33.9%.

Key information

20.1%

Earnings growth rate

20.1%

EPS growth rate

Banks Industry Growth3.8%
Revenue growth rate10.7%
Return on equity10.6%
Net Margin33.9%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Housing Bank for Trade and Finance makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

ASE:THBK Revenue, expenses and earnings (JOD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 244221431310
30 Jun 244131401290
31 Mar 244091391280
31 Dec 234021371270
30 Sep 234161441230
30 Jun 234001411210
31 Mar 233891351180
31 Dec 223721301150
30 Sep 223461251120
30 Jun 223421201090
31 Mar 223101111070
31 Dec 213051061040
30 Sep 21277791010
30 Jun 21258601000
31 Mar 21249451010
31 Dec 20242371040
30 Sep 20264471050
30 Jun 20290701080
31 Mar 20301731110
31 Dec 19306811090
30 Sep 19276801060
30 Jun 19265741040
31 Mar 1927987970
31 Dec 1828690950
30 Sep 18314110960
30 Jun 18320114950
31 Mar 18323117950
31 Dec 17325122950
30 Sep 17329116960
30 Jun 17333121950
31 Mar 17338121950
31 Dec 16351124940
30 Sep 16352128930
30 Jun 16351126920
31 Mar 16345125910
31 Dec 15326122890
30 Sep 15325126900
30 Jun 15316123890
31 Mar 15309122880
31 Dec 14308120880
30 Sep 14302110870
30 Jun 14295108860
31 Mar 14288104850
31 Dec 13282100840

Quality Earnings: THBK has high quality earnings.

Growing Profit Margin: THBK's current net profit margins (33.9%) are lower than last year (34.6%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: THBK's earnings have grown significantly by 20.1% per year over the past 5 years.

Accelerating Growth: THBK's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: THBK had negative earnings growth (-0.7%) over the past year, making it difficult to compare to the Banks industry average (6.9%).

Return on Equity

High ROE: THBK's Return on Equity (10.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 03:36
End of Day Share Price 2024/12/22 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

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

The Housing Bank for Trade and Finance is covered by 3 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.

AnalystInstitution
Jaap MeijerArqaam Capital Research Offshore S.A.L.
Elena Sanchez-CabezudoEFG-Hermes Research
Shabbir MalikEFG-Hermes Research