Commercial Credit and Finance Past Earnings Performance
Past criteria checks 2/6
Commercial Credit and Finance has been growing earnings at an average annual rate of 9.4%, while the Consumer Finance industry saw earnings growing at 13.5% annually. Revenues have been growing at an average rate of 4.5% per year. Commercial Credit and Finance's return on equity is 14.6%, and it has net margins of 26.1%.
Key information
9.4%
Earnings growth rate
9.4%
EPS growth rate
| Consumer Finance Industry Growth | 12.6% |
| Revenue growth rate | 4.5% |
| Return on equity | 14.6% |
| Net Margin | 26.1% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How Commercial Credit and 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 |
|---|---|---|---|---|
| 31 Dec 23 | 12,462 | 3,251 | 4,214 | 0 |
| 30 Sep 23 | 10,852 | 2,609 | 3,979 | 0 |
| 30 Jun 23 | 10,324 | 2,452 | 3,792 | 0 |
| 31 Mar 23 | 10,722 | 2,616 | 3,819 | 0 |
| 31 Dec 22 | 11,616 | 3,659 | 3,683 | 0 |
| 30 Sep 22 | 12,584 | 4,347 | 3,553 | 0 |
| 30 Jun 22 | 12,645 | 4,577 | 3,358 | 0 |
| 31 Mar 22 | 12,099 | 4,520 | 3,072 | 0 |
| 31 Dec 21 | 10,636 | 3,797 | 3,201 | 0 |
| 30 Sep 21 | 9,472 | 3,011 | 3,075 | 0 |
| 30 Jun 21 | 9,015 | 2,632 | 2,961 | 0 |
| 31 Mar 21 | 8,596 | 2,335 | 2,898 | 0 |
| 31 Dec 20 | 7,782 | 1,366 | 2,841 | 0 |
| 30 Sep 20 | 8,394 | 1,627 | 2,964 | 0 |
| 30 Jun 20 | 8,367 | 1,727 | 3,094 | 0 |
| 31 Mar 20 | 8,846 | 2,005 | 3,248 | 0 |
| 31 Dec 19 | 9,767 | 2,327 | 3,678 | 0 |
| 30 Sep 19 | 10,230 | 2,575 | 3,755 | 0 |
| 30 Jun 19 | 10,409 | 2,524 | 3,879 | 0 |
| 31 Mar 19 | 10,850 | 2,633 | 3,936 | 0 |
| 31 Dec 18 | 10,297 | 2,649 | 3,023 | 0 |
| 30 Sep 18 | 9,985 | 2,518 | 3,031 | 0 |
| 30 Jun 18 | 10,184 | 2,604 | 2,991 | 0 |
| 31 Mar 18 | 10,012 | 2,541 | 3,052 | 0 |
| 31 Dec 17 | 10,119 | 2,582 | 3,615 | 0 |
| 30 Sep 17 | 10,084 | 2,849 | 3,658 | 0 |
| 30 Jun 17 | 10,099 | 2,986 | 3,628 | 0 |
| 31 Mar 17 | 10,293 | 3,115 | 3,679 | 0 |
| 31 Dec 16 | 9,837 | 2,926 | 3,628 | 0 |
| 30 Sep 16 | 9,038 | 2,567 | 3,404 | 0 |
| 30 Jun 16 | 8,650 | 2,369 | 3,555 | 0 |
| 31 Mar 16 | 8,263 | 2,318 | 3,521 | 0 |
| 31 Dec 15 | 8,507 | 2,367 | 3,475 | 0 |
| 30 Sep 15 | 8,164 | 2,328 | 3,403 | 0 |
| 30 Jun 15 | 7,397 | 2,324 | 3,038 | 0 |
| 31 Mar 15 | 6,729 | 2,192 | 2,717 | 0 |
| 31 Dec 14 | 5,772 | 1,963 | 2,482 | 0 |
| 30 Sep 14 | 5,148 | 1,646 | 2,298 | 0 |
| 30 Jun 14 | 4,500 | 1,326 | 2,106 | 0 |
| 31 Mar 14 | 3,775 | 1,008 | 1,876 | 0 |
| 31 Dec 13 | 3,335 | 768 | 1,618 | 0 |
| 30 Sep 13 | 3,025 | 738 | 1,488 | 0 |
| 30 Jun 13 | 2,738 | 715 | 1,325 | 0 |
Quality Earnings: COCR.N0000 has high quality earnings.
Growing Profit Margin: COCR.N0000's current net profit margins (26.1%) are lower than last year (31.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: COCR.N0000's earnings have grown by 9.4% per year over the past 5 years.
Accelerating Growth: COCR.N0000's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: COCR.N0000 had negative earnings growth (-11.2%) over the past year, making it difficult to compare to the Consumer Finance industry average (-10.1%).
Return on Equity
High ROE: COCR.N0000's Return on Equity (14.6%) is considered low.