First Finance Past Earnings Performance
Past criteria checks 1/6
First Finance's earnings have been declining at an average annual rate of -7.1%, while the Consumer Finance industry saw earnings growing at 14.3% annually. Revenues have been declining at an average rate of 7.3% per year. First Finance's return on equity is 2.1%, and it has net margins of 37.3%.
Key information
-7.1%
Earnings growth rate
-7.3%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | -7.3% |
| Return on equity | 2.1% |
| Net Margin | 37.3% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses Breakdown
How First 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 | 3 | 1 | 1 | 0 |
| 30 Jun 24 | 2 | 1 | 1 | 0 |
| 31 Mar 24 | 3 | 1 | 1 | 0 |
| 31 Dec 23 | 2 | 1 | 1 | 0 |
| 30 Sep 23 | 2 | 1 | 1 | 0 |
| 30 Jun 23 | 3 | 2 | 2 | 0 |
| 31 Mar 23 | 3 | 1 | 1 | 0 |
| 31 Dec 22 | 3 | 1 | 1 | 0 |
| 30 Sep 22 | 2 | 0 | 2 | 0 |
| 30 Jun 22 | 1 | 0 | 1 | 0 |
| 31 Mar 22 | 2 | 0 | 1 | 0 |
| 31 Dec 21 | 3 | 1 | 1 | 0 |
| 30 Sep 21 | 5 | 3 | 1 | 0 |
| 30 Jun 21 | 5 | 3 | 1 | 0 |
| 31 Mar 21 | 4 | 2 | 1 | 0 |
| 31 Dec 20 | 2 | 1 | 1 | 0 |
| 30 Sep 20 | 2 | 0 | 1 | 0 |
| 30 Jun 20 | 1 | 0 | 1 | 0 |
| 31 Mar 20 | 2 | 1 | 1 | 0 |
| 31 Dec 19 | 4 | 2 | 1 | 0 |
| 30 Sep 19 | 5 | 3 | 1 | 0 |
| 30 Jun 19 | 4 | 2 | 1 | 0 |
| 31 Mar 19 | 3 | 2 | 1 | 0 |
| 31 Dec 18 | 3 | 2 | 1 | 0 |
| 30 Sep 18 | 3 | 1 | 1 | 0 |
| 30 Jun 18 | 5 | 2 | 1 | 0 |
| 31 Mar 18 | 6 | 3 | 1 | 0 |
| 31 Dec 17 | 6 | 3 | 1 | 0 |
| 30 Sep 17 | 6 | 3 | 1 | 0 |
| 30 Jun 17 | 5 | 3 | 1 | 0 |
| 31 Mar 17 | 6 | 3 | 1 | 0 |
| 31 Dec 16 | 6 | 3 | 1 | 0 |
| 30 Sep 16 | 5 | 3 | 1 | 0 |
| 30 Jun 16 | 6 | 4 | 1 | 0 |
| 31 Mar 16 | 5 | 3 | 1 | 0 |
| 31 Dec 15 | 6 | 4 | 1 | 0 |
| 30 Sep 15 | 7 | 4 | 1 | 0 |
| 30 Jun 15 | 6 | 4 | 1 | 0 |
| 31 Mar 15 | 6 | 4 | 1 | 0 |
| 31 Dec 14 | 6 | 4 | 1 | 0 |
| 30 Sep 14 | 6 | 3 | 1 | 0 |
| 30 Jun 14 | 6 | 3 | 1 | 0 |
| 31 Mar 14 | 6 | 3 | 1 | 0 |
| 31 Dec 13 | 6 | 3 | 1 | 0 |
Quality Earnings: FFCO has high quality earnings.
Growing Profit Margin: FFCO's current net profit margins (37.3%) are lower than last year (55.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: FFCO's earnings have declined by 7.1% per year over the past 5 years.
Accelerating Growth: FFCO's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: FFCO had negative earnings growth (-16%) over the past year, making it difficult to compare to the Consumer Finance industry average (12.6%).
Return on Equity
High ROE: FFCO's Return on Equity (2.1%) is considered low.