HNB Finance Past Earnings Performance
Past criteria checks 2/6
HNB Finance's earnings have been declining at an average annual rate of -27.4%, while the Consumer Finance industry saw earnings growing at 13.5% annually. Revenues have been growing at an average rate of 0.3% per year. HNB Finance's return on equity is 10.7%, and it has net margins of 11.5%.
Key information
-27.4%
Earnings growth rate
-26.1%
EPS growth rate
| Consumer Finance Industry Growth | 12.6% |
| Revenue growth rate | 0.3% |
| Return on equity | 10.7% |
| Net Margin | 11.5% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How HNB 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 | 5,095 | 586 | 1,504 | 0 |
| 30 Sep 23 | 4,723 | 448 | 1,474 | 0 |
| 30 Jun 23 | 4,004 | -148 | 1,487 | 0 |
| 31 Mar 23 | 3,556 | -469 | 1,504 | 0 |
| 31 Dec 22 | 3,461 | -430 | 1,495 | 0 |
| 30 Sep 22 | 3,398 | -321 | 1,467 | 0 |
| 30 Jun 22 | 3,701 | 228 | 1,434 | 0 |
| 31 Mar 22 | 3,829 | 503 | 1,398 | 0 |
| 31 Dec 21 | 3,637 | 636 | 1,315 | 0 |
| 30 Sep 21 | 3,078 | 375 | 1,206 | 0 |
| 30 Jun 21 | 2,593 | -41 | 1,165 | 0 |
| 31 Mar 21 | 2,420 | -124 | 1,123 | 0 |
| 31 Dec 20 | 2,249 | -511 | 1,049 | 0 |
| 30 Sep 20 | 2,938 | -252 | 1,180 | 0 |
| 30 Jun 20 | 3,738 | 244 | 1,251 | 0 |
| 31 Mar 20 | 4,205 | 395 | 1,337 | 0 |
| 31 Dec 19 | 4,607 | 607 | 1,538 | 0 |
| 30 Sep 19 | 4,516 | 672 | 1,457 | 0 |
| 30 Jun 19 | 4,423 | 739 | 1,395 | 0 |
| 31 Mar 19 | 4,379 | 831 | 1,319 | 0 |
| 31 Mar 18 | 4,173 | 1,012 | 1,154 | 0 |
| 31 Mar 17 | 3,813 | 1,059 | 992 | 0 |
| 31 Mar 16 | 3,263 | 1,110 | 762 | 0 |
| 31 Mar 15 | 1,942 | 535 | 588 | 0 |
| 31 Dec 14 | 1,774 | 520 | 603 | 0 |
| 30 Sep 14 | 1,596 | 506 | 621 | 0 |
| 30 Jun 14 | 1,435 | 456 | 544 | 0 |
| 31 Mar 14 | 1,273 | 405 | 467 | 0 |
| 31 Dec 13 | 1,105 | 347 | 454 | 0 |
| 30 Sep 13 | 936 | 289 | 442 | 0 |
| 30 Jun 13 | 822 | 258 | 386 | 0 |
Quality Earnings: HNBF.N0000 has high quality earnings.
Growing Profit Margin: HNBF.N0000 became profitable in the past.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: HNBF.N0000's earnings have declined by 27.4% per year over the past 5 years.
Accelerating Growth: HNBF.N0000 has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: HNBF.N0000 has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-10.1%).
Return on Equity
High ROE: HNBF.N0000's Return on Equity (10.7%) is considered low.