Salafin Past Earnings Performance
Past criteria checks 4/6
Salafin's earnings have been declining at an average annual rate of -0.2%, while the Consumer Finance industry saw earnings declining at 2% annually. Revenues have been declining at an average rate of 2.4% per year. Salafin's return on equity is 11.4%, and it has net margins of 13.4%.
Key information
-0.2%
Earnings growth rate
-1.4%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | -2.4% |
| Return on equity | 11.4% |
| Net Margin | 13.4% |
| Last Earnings Update | 30 Jun 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Salafin 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 24 | 694 | 93 | 65 | 0 |
| 31 Mar 24 | 703 | 92 | 66 | 0 |
| 31 Dec 23 | 712 | 91 | 67 | 0 |
| 30 Sep 23 | 708 | 84 | 69 | 0 |
| 30 Jun 23 | 704 | 77 | 71 | 0 |
| 31 Mar 23 | 708 | 81 | 71 | 0 |
| 31 Dec 22 | 711 | 86 | 71 | 0 |
| 30 Sep 22 | 715 | 87 | 71 | 0 |
| 30 Jun 22 | 718 | 89 | 72 | 0 |
| 31 Mar 22 | 718 | 87 | 71 | 0 |
| 31 Dec 21 | 717 | 85 | 70 | 0 |
| 30 Sep 21 | 669 | 47 | 67 | 0 |
| 30 Jun 21 | 621 | 9 | 64 | 0 |
| 31 Mar 21 | 597 | -4 | 64 | 0 |
| 31 Dec 20 | 573 | -16 | 63 | 0 |
| 30 Sep 20 | 642 | 30 | 60 | 0 |
| 30 Jun 20 | 712 | 76 | 57 | 0 |
| 31 Mar 20 | 775 | 103 | 56 | 0 |
| 31 Dec 19 | 839 | 130 | 55 | 0 |
| 30 Sep 19 | 857 | 131 | 67 | 0 |
| 30 Jun 19 | 876 | 131 | 78 | 0 |
| 31 Mar 19 | 864 | 129 | 75 | 0 |
| 31 Dec 18 | 851 | 127 | 71 | 0 |
| 30 Sep 18 | 835 | 132 | 61 | 0 |
| 30 Jun 18 | 818 | 138 | 51 | 0 |
| 31 Mar 18 | 824 | 139 | 50 | 0 |
| 31 Dec 17 | 830 | 140 | 50 | 0 |
| 30 Sep 17 | 831 | 141 | 52 | 0 |
| 30 Jun 17 | 832 | 141 | 53 | 0 |
| 31 Mar 17 | 833 | 140 | 55 | 0 |
| 31 Dec 16 | 835 | 139 | 58 | 0 |
| 30 Sep 16 | 838 | 136 | 54 | 0 |
| 30 Jun 16 | 841 | 134 | 51 | 0 |
| 31 Mar 16 | 841 | 129 | 51 | 0 |
| 31 Dec 15 | 841 | 125 | 51 | 0 |
| 30 Sep 15 | 835 | 119 | 50 | 0 |
| 30 Jun 15 | 828 | 112 | 50 | 0 |
| 31 Mar 15 | 817 | 109 | 48 | 0 |
| 31 Dec 14 | 806 | 106 | 46 | 0 |
| 30 Sep 14 | 791 | 106 | 44 | 0 |
| 30 Jun 14 | 777 | 105 | 42 | 0 |
| 31 Mar 14 | 754 | 100 | 41 | 0 |
| 31 Dec 13 | 730 | 95 | 40 | 0 |
Quality Earnings: SLF has high quality earnings.
Growing Profit Margin: SLF's current net profit margins (13.4%) are higher than last year (11%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: SLF's earnings have declined by 0.2% per year over the past 5 years.
Accelerating Growth: SLF's earnings growth over the past year (20.7%) exceeds its 5-year average (-0.2% per year).
Earnings vs Industry: SLF earnings growth over the past year (20.7%) exceeded the Consumer Finance industry 8.5%.
Return on Equity
High ROE: SLF's Return on Equity (11.4%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/22 16:24 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/06/30 |
| Annual Earnings | 2023/12/31 |
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 |
| |
| Management | 10 years |
| |
| 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 here.
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 .
Analyst Sources
Salafin S.A. is covered by 1 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.
| Analyst | Institution |
|---|---|
| Hanane Rahali | CFG Marches |