Bank of Saga Past Earnings Performance
Past criteria checks 2/6
Bank of Saga has been growing earnings at an average annual rate of 16.8%, while the Banks industry saw earnings growing at 4.9% annually. Revenues have been growing at an average rate of 1.8% per year. Bank of Saga's return on equity is 3.4%, and it has net margins of 8.9%.
Key information
16.8%
Earnings growth rate
16.7%
EPS growth rate
| Banks Industry Growth | 4.1% |
| Revenue growth rate | 1.8% |
| Return on equity | 3.4% |
| Net Margin | 8.9% |
| Next Earnings Update | 10 May 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How Bank of Saga 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 Dec 23 | 44,535 | 3,978 | 20,423 | 0 |
| 30 Sep 23 | 45,238 | 4,523 | 20,136 | 0 |
| 30 Jun 23 | 44,199 | 4,418 | 20,118 | 0 |
| 31 Mar 23 | 43,321 | 5,491 | 19,903 | 0 |
| 31 Dec 22 | 43,316 | 6,509 | 19,948 | 0 |
| 30 Sep 22 | 43,040 | 6,724 | 20,262 | 0 |
| 30 Jun 22 | 40,652 | 4,785 | 20,351 | 0 |
| 31 Mar 22 | 40,027 | 4,076 | 20,460 | 0 |
| 31 Dec 21 | 39,796 | 3,817 | 21,080 | 0 |
| 30 Sep 21 | 39,049 | 3,200 | 21,434 | 0 |
| 30 Jun 21 | 39,478 | 3,228 | 21,838 | 0 |
| 31 Mar 21 | 38,629 | 2,465 | 22,266 | 0 |
| 31 Dec 20 | 38,772 | 2,456 | 22,237 | 0 |
| 30 Sep 20 | 39,371 | 2,694 | 22,439 | 0 |
| 30 Jun 20 | 39,701 | 2,867 | 22,678 | 0 |
| 31 Mar 20 | 39,365 | 2,441 | 22,704 | 0 |
| 31 Dec 19 | 39,601 | 2,665 | 23,026 | 0 |
| 30 Sep 19 | 38,622 | 2,103 | 23,068 | 0 |
| 30 Jun 19 | 41,922 | 2,434 | 23,209 | 0 |
| 31 Mar 19 | 42,351 | 2,636 | 23,323 | 0 |
| 31 Dec 18 | 43,002 | 3,704 | 23,457 | 0 |
| 30 Sep 18 | 44,654 | 6,116 | 23,481 | 0 |
| 30 Jun 18 | 39,734 | 6,188 | 23,378 | 0 |
| 31 Mar 18 | 39,198 | 6,650 | 23,404 | 0 |
| 31 Dec 17 | 37,130 | 4,817 | 23,360 | 0 |
| 30 Sep 17 | 36,720 | 3,173 | 23,517 | 0 |
| 30 Jun 17 | 41,105 | 3,917 | 24,021 | 0 |
| 31 Mar 17 | 43,300 | 2,898 | 24,167 | 0 |
| 31 Dec 16 | 48,453 | 3,430 | 24,285 | 0 |
| 30 Sep 16 | 47,393 | 1,970 | 24,252 | 0 |
| 30 Jun 16 | 44,762 | 620 | 24,159 | 0 |
| 31 Mar 16 | 46,699 | 3,242 | 24,029 | 0 |
| 31 Dec 15 | 43,494 | 1,973 | 24,135 | 0 |
| 30 Sep 15 | 43,536 | 3,307 | 24,391 | 0 |
| 30 Jun 15 | 43,737 | 4,224 | 24,540 | 0 |
| 31 Mar 15 | 40,602 | 3,316 | 24,831 | 0 |
| 31 Dec 14 | 39,810 | 5,077 | 24,580 | 0 |
| 30 Sep 14 | 38,890 | 4,748 | 24,358 | 0 |
| 30 Jun 14 | 39,012 | 4,510 | 24,349 | 0 |
| 31 Mar 14 | 40,492 | 4,983 | 24,187 | 0 |
| 31 Dec 13 | 39,364 | 3,012 | 24,341 | 0 |
| 30 Sep 13 | 43,213 | 5,505 | 24,391 | 0 |
| 30 Jun 13 | 41,602 | 4,566 | 24,420 | 0 |
Quality Earnings: 8395 has high quality earnings.
Growing Profit Margin: 8395's current net profit margins (8.9%) are lower than last year (15%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: 8395's earnings have grown by 16.8% per year over the past 5 years.
Accelerating Growth: 8395's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 8395 had negative earnings growth (-38.9%) over the past year, making it difficult to compare to the Banks industry average (8.6%).
Return on Equity
High ROE: 8395's Return on Equity (3.4%) is considered low.