HNB Finance PLC

COSE:HNBF.N0000 Stock Report

Market Cap: LK₨7.8b

HNB Finance Past Earnings Performance

Past criteria checks 4/6

HNB Finance has been growing earnings at an average annual rate of 6.6%, while the Consumer Finance industry saw earnings growing at 16.9% annually. Revenues have been growing at an average rate of 9.6% per year. HNB Finance's return on equity is 10.7%, and it has net margins of 10.4%.

Key information

6.6%

Earnings growth rate

13.5%

EPS growth rate

Consumer Finance Industry Growth12.6%
Revenue growth rate9.6%
Return on equity10.7%
Net Margin10.4%
Last Earnings Update30 Sep 2024

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

COSE:HNBF.N0000 Revenue, expenses and earnings (LKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 246,0986311,9760
30 Jun 245,7095991,8230
31 Mar 245,4586211,6840
31 Dec 235,0955861,6110
30 Sep 234,7234481,5820
30 Jun 234,023-1491,5750
31 Mar 233,556-4691,5930
31 Dec 223,461-4301,4950
30 Sep 223,398-3211,4670
30 Jun 223,7012281,4340
31 Mar 223,8295031,3980
31 Dec 213,6376361,3150
30 Sep 213,0783751,2060
30 Jun 212,593-411,1650
31 Mar 212,420-1241,1230
31 Dec 202,249-5111,0490
30 Sep 202,938-2521,1800
30 Jun 203,7382441,2510
31 Mar 204,2053951,3370
31 Dec 194,6076071,5380
30 Sep 194,5166721,4570
30 Jun 194,4237391,3950
31 Mar 194,3798311,3190
31 Mar 184,1731,0121,1540
31 Mar 173,8131,0599920
31 Mar 163,2631,1107620
31 Mar 151,9425355880
31 Dec 141,7745206030
30 Sep 141,5965066210
30 Jun 141,4354565440
31 Mar 141,2734054670

Quality Earnings: HNBF.N0000 has high quality earnings.

Growing Profit Margin: HNBF.N0000's current net profit margins (10.4%) are higher than last year (9.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: HNBF.N0000's earnings have grown by 6.6% per year over the past 5 years.

Accelerating Growth: HNBF.N0000's earnings growth over the past year (41%) exceeds its 5-year average (6.6% per year).

Earnings vs Industry: HNBF.N0000 earnings growth over the past year (41%) did not outperform the Consumer Finance industry 45.9%.

Return on Equity

High ROE: HNBF.N0000's Return on Equity (10.7%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/20 20:54
End of Day Share Price 2025/01/20 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

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 .

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.

AnalystInstitution