HNB Finance Past Earnings Performance
Past criteria checks 5/6
HNB Finance has been growing earnings at an average annual rate of 39.1%, while the Consumer Finance industry saw earnings growing at 17.8% annually. Revenues have been growing at an average rate of 21.2% per year. HNB Finance's return on equity is 11.2%, and it has net margins of 11.3%.
Key information
39.13%
Earnings growth rate
39.01%
EPS growth rate
| Consumer Finance Industry Growth | 12.57% |
| Revenue growth rate | 21.16% |
| Return on equity | 11.17% |
| Net Margin | 11.28% |
| Last Earnings Update | 30 Jun 2025 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
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 |
|---|---|---|---|---|
| 30 Jun 25 | 7,714 | 870 | 2,246 | 0 |
| 31 Mar 25 | 7,160 | 765 | 2,190 | 0 |
| 31 Dec 24 | 6,375 | 675 | 2,087 | 0 |
| 30 Sep 24 | 6,098 | 631 | 1,976 | 0 |
| 30 Jun 24 | 5,709 | 599 | 1,823 | 0 |
| 31 Mar 24 | 5,458 | 621 | 1,684 | 0 |
| 31 Dec 23 | 5,069 | 586 | 1,621 | 0 |
| 30 Sep 23 | 4,723 | 448 | 1,582 | 0 |
| 30 Jun 23 | 4,023 | -149 | 1,575 | 0 |
| 31 Mar 23 | 3,556 | -469 | 1,593 | 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 |
Quality Earnings: HNBF.N0000 has high quality earnings.
Growing Profit Margin: HNBF.N0000's current net profit margins (11.3%) are higher than last year (10.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: HNBF.N0000's earnings have grown significantly by 39.1% per year over the past 5 years.
Accelerating Growth: HNBF.N0000's earnings growth over the past year (45.2%) exceeds its 5-year average (39.1% per year).
Earnings vs Industry: HNBF.N0000 earnings growth over the past year (45.2%) exceeded the Consumer Finance industry 45.2%.
Return on Equity
High ROE: HNBF.N0000's Return on Equity (11.2%) is considered low.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/11/13 08:38 |
| End of Day Share Price | 2025/11/13 00:00 |
| Earnings | 2025/06/30 |
| Annual Earnings | 2025/03/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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.
Analysis Model and Snowflake
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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 Github.
Analyst Sources
HNB Finance PLC is covered by 0 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.