Livingtrust Mortgage Bank PLC

NGSE:LIVINGTRUST Stock Report

Market Cap: ₦16.2b

Livingtrust Mortgage Bank Past Earnings Performance

Past criteria checks 3/6

Livingtrust Mortgage Bank has been growing earnings at an average annual rate of 36.5%, while the Banks industry saw earnings growing at 36.1% annually. Revenues have been growing at an average rate of 31.6% per year. Livingtrust Mortgage Bank's return on equity is 17.9%, and it has net margins of 36.7%.

Key information

36.5%

Earnings growth rate

36.5%

EPS growth rate

Banks Industry Growth30.4%
Revenue growth rate31.6%
Return on equity17.9%
Net Margin36.7%
Last Earnings Update30 Jun 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Livingtrust Mortgage Bank makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

NGSE:LIVINGTRUST Revenue, expenses and earnings (NGN Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 242,0717605970
31 Mar 241,9105976150
31 Dec 231,8175686100
30 Sep 231,8385376040
30 Jun 231,8345645880
31 Mar 231,9386995480
31 Dec 221,9508224960
30 Sep 221,8646465370
30 Jun 221,7836884340
31 Mar 221,6296534000
31 Dec 211,4505073610
30 Sep 211,1255532480
30 Jun 219263992950
31 Mar 216792052640
31 Dec 205581322390
30 Sep 205251092220
30 Jun 20450412170
31 Mar 20461572120
31 Dec 19472632140
30 Sep 19478902170
30 Jun 19480972060
31 Mar 19466782070
31 Dec 18467801950
30 Sep 185451551870
30 Jun 185361731880
31 Mar 185851911780
31 Dec 175511731720
30 Sep 17565961720
30 Jun 17529841570
31 Mar 17458791430
31 Dec 16448711420
30 Sep 16-1-205950
30 Jun 169-169770
31 Mar 16-22-181770
31 Dec 15-42-168620
30 Sep 1524692640
30 Jun 1525145630
30 Mar 1525756480
31 Dec 1424448460
31 Dec 1350-38370

Quality Earnings: LIVINGTRUST has high quality earnings.

Growing Profit Margin: LIVINGTRUST's current net profit margins (36.7%) are higher than last year (30.7%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: LIVINGTRUST's earnings have grown significantly by 36.5% per year over the past 5 years.

Accelerating Growth: LIVINGTRUST's earnings growth over the past year (34.9%) is below its 5-year average (36.5% per year).

Earnings vs Industry: LIVINGTRUST earnings growth over the past year (34.9%) did not outperform the Banks industry 121.8%.


Return on Equity

High ROE: LIVINGTRUST's Return on Equity (17.9%) is considered low.


Return on Assets


Return on Capital Employed


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